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 for full coverage. Comprehensive costs an estimated $238, collision costs $458, and liability insurance is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $2,818. Teen 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:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $749
• Raising to $1,000 deductibles will save approximately $160 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,296
• Choosing more expensive low deductibles will increase the cost to $1,602
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,818 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $4,988

View Chart as Image

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

An older driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

Your home state also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $470 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 138% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

How to Find the Best Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief recap of the information raised in the charts and tables above.

• Drivers can save approximately $160 per year simply by shopping early and online
• 16 to 18-year-old drivers are the costliest to insure, costing up to $416 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $475 each year
• High-risk drivers who tend to receive serious violations pay an average of $1,520 more annually than a driver with a clean driving record
• Drivers who want additional liability coverage will pay about $490 each year to raise from a 30/60 limit to 250/500 limits

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.