Honda HR-V Insurance Rates

Honda HR-V insurance rates amount to $1,356 a year, or $113 a month on average for full coverage. 

There are a number of factors that ultimately determine how expensive it is to insure a Honda HR-V. For example, if you looked at a Honda HR-V comparison chart, you will notice that older models are cheaper to insure than newer models. 

In order to alleviate the stress associated with shopping for insurance, let our thorough guide serve as your main point of reference. When you’re ready to find cheap insurance rates, be sure to enter your five-digit ZIP code to start comparing Honda HR-V car insurance policies from multiple companies.

The average insurance rates for a Honda HR-V are $1,312 a year for full coverage insurance. Comprehensive costs approximately $250, collision insurance costs $474, and liability costs around $430. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs around $2,850. Teenage drivers cost the most to insure at up to $5,012 a year.

Average premium for full coverage: $1,312

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below illustrates average Honda HR-V insurance rates for additional coverage and risk scenarios.

• The best discount rate is $759
• Using higher $1,000 deductibles will save $164 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,312
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,634
• High-risk insureds who are prone to accidents and violations could pay around $2,850
• Policy cost that insures a 16-year-old driver with full coverage can cost $5,012 or more

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V requires being a low-risk driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a quick review of the data presented in the illustrations above.

• Insureds who purchase more liability coverage will pay an extra $470 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save around $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Teen drivers have the highest car insurance rates, possibly costing $418 each month if the policy includes full coverage

As you can see from the information we’ve gone over to this point, it’s clear that the amount of money you pay for your model is parallel to how much you pay for insurance. Therefore, if you find yourself asking, “How much does a Honda HR-V cost?” you should also be considering the price of insurance.

The best way to find affordable Honda HR-V car insurance quotes is by using our free online tool below. Simply enter your ZIP code to find great Honda HR-V insurance quotes from providers in your area.

What are the safety ratings of the Honda HR-V?

It’s important to consider the safety ratings of the Honda HR-V to get a proper understanding of where you might qualify for policy discounts. 

Take a look at the safety ratings of the Honda HR-V below so you can see where you might be able to save money on your policy.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a frame of reference, the Insurance Institute for Highway Safety classifies “Good” as the highest rating possible. The Honda HR-V achieved that mark in every part of the SUV that was tested, meaning it absolutely aced the crash test.

Honda HR-V Compared Against Other Vehicles in the Same Class

Officially, the Honda HR-V is classified as a small SUV by the Insurance Institute for Highway Safety. Other similar models include the following:

• Kia Niro
• Mazda CX-3

When providing you with a Honda HR-V insurance cost, insurance companies will consider the loss percentages of the Honda HR-V as it compares to other similar models in this class.

The good news is that the Honda HR-V reflects a loss percentage of 0 percent for both property damage and bodily injury liability insurance. That means that liability insurance for this model is right at the median, so rates won’t be too high or too low.

Now that we have gone into great detail about how Honda HR-V insurance rates are calculated, you can feel confident when it’s time to buy Honda HR-V car insurance. Start comparing Honda HR-V car insurance rates from multiple companies through the use of our free online tool.