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 rates for a Honda HR-V are $1,312 a year for full coverage. Comprehensive insurance costs approximately $250 a year, collision insurance costs $474, and liability insurance is estimated at $430. A policy with just liability insurance costs approximately $486 a year, and coverage for high-risk drivers costs $2,850 or more. Teen drivers pay the highest rates at up to $5,012 a year.

Average premium for full coverage: $1,312

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and HR-V trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above show why it is important to get quotes using their specific location, rather than relying on price averages.

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

Rate Comparisons

The chart below shows average Honda HR-V insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $759
• Choosing higher $1,000 deductibles can save $1,148 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,312
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $322 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,850
• The price that insures a teen driver can cost $5,012 each year

View Chart as Image

Insurance prices for a Honda HR-V are also quite variable based on the trim level of your HR-V, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 136% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $490 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $387 more per year. View Rates by Deductible or Liability Limit

How to Find the Right Honda HR-V Insurance

Getting lower rates on Honda HR-V insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by requesting rates from direct carriers, and also from insurance agencies where you live.

The following items are a quick rundown of the material that was covered above.

• Drivers who purchase additional liability coverage will pay about $470 each year to raise limits from a low limit to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $418 a month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,540 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $475 each year

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.