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 $1,296 a year including full coverage. Comprehensive costs an estimated $238 each year, collision costs $458, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $2,818. Teenage drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below breaks down estimated Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $749
• Raising to $1,000 deductibles will save approximately $160 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,296
• Using low deductibles will increase the cost to $1,602
• Drivers who are prone to accidents and violations could pay up to $2,818 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,988

View Chart as Image

Car insurance rates for a Honda HR-V also range considerably based on your risk profile, the model of your HR-V, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,900 a year. View Rates by Age

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $470 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 138% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

How to Find Low Cost Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Set aside time to compare rates every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a review of the coverage data covered above.

• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $475 each year
• Teen drivers have the highest car insurance rates, with premiums being up to $416 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,520 more annually to insure their HR-V

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.