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.

U.S. average insurance prices for a Honda HR-V are $1,296 every 12 months for full coverage. Comprehensive costs an estimated $238, collision insurance costs $458, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $2,818. Teen drivers pay the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Price estimates broken down by individual coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all HR-V models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The example below illustrates how location helps determine insurance prices.

The ranges above show why everyone should get quotes for a targeted area and their own driving history, instead of using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $749
• Choosing higher $1,000 deductibles can save approximately $160 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,296
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,602
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,818
• The price to insure a teen driver for full coverage can cost as much as $4,988 each year

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Choosing high deductibles can save as much as $470 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,600 to $2,200 additional each year, depending on your age. Honda HR-V insurance for high-risk drivers ranges as much as 44% to 138% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay 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

How to Shop for the Cheapest Honda HR-V Insurance

Getting lower rates on car insurance takes being a good driver, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every time your policy renews by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a recap of the information covered in the charts and tables above.

• Drivers can save approximately $160 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $416 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $475 each year
• Higher risk drivers that have major violations or accidents pay on average $1,520 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay about $490 each year to raise limits from a low 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.