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.

Average insurance prices for a Honda HR-V are $1,296 every 12 months with full coverage. Comprehensive costs around $238 each year, collision insurance costs $458, and liability coverage is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs around $2,818. Teens receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates for individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have more infrequent collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance rates.

These examples demonstrate why all drivers should compare rates quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Additional Rate Information

The chart below details average Honda HR-V insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save about $160 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,296
• Selecting low deductibles increases the price to $1,602
• Unlucky drivers with serious driving violations could pay at least $2,818
• The cost to insure a teenage driver can be $4,988

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on policy deductibles and limits, your driving record, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 138% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for Cheaper Honda HR-V Insurance

Saving money on auto insurance consists of having a decent driving record, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the car insurance concepts raised in the charts and tables above.

• Drivers with multiple at-fault accidents pay on average $1,520 more every year than a driver with a clean driving record
• You may be able to save up to $160 per year just by quoting online in advance
• Increasing deductibles could save as much as $475 each year
• Consumers who may need additional liability coverage will pay approximately $490 every year to raise from a minimum limit to a 250/500 level

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.