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 auto insurance rates for a Honda HR-V are $1,296 annually including full coverage. Comprehensive insurance costs an estimated $238, collision costs $458, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $2,818 or more. Teens 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:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all 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 fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save approximately $160 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,296
• Selecting pricier low deductibles costs an additional $306 annually
• Drivers with serious driving violations could pay up to $2,818 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,988

View Chart as Image

Car insurance rates for a Honda HR-V also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage 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 without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.

How to Buy the Cheapest Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the information touched on in the above illustrations.

• You may be able to save approximately $160 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $416 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,520 more annually to insure a Honda HR-V
• Insureds who want increased liability limits will pay approximately $490 per year to raise from a 30/60 limit to higher 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.