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 insurance costs on average $238, collision insurance costs $458, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $2,818 or more. 16-year-old drivers cost the most to insure at up to $4,988 a year.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should compare rates quotes based on a specific location and risk profile, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $749
• Raising to $1,000 deductibles will save around $160 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,296
• Buying pricier low deductibles will cost an extra $306 every year
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,818
• Policy cost for full coverage for a teen driver for full coverage may cost $4,988

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may 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 be charged upwards of $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 $850 a year in states like Idaho, Maine, and Iowa, or at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $470 every year, whereas buying more liability protection will cost you more. Going 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 could be paying at a minimum $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 as much as 44% to 138% more than the average rate. View High Risk Driver Rates

How to Find the Best Cheap Honda HR-V Insurance

Finding cheaper rates on car insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following list is a quick review of the car insurance concepts touched on above.

• Higher risk drivers with a DUI or reckless driving violation will pay on average $1,520 more each year than a safer driver
• Drivers can save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $475 each year
• Policyholders who require an increased level of liability coverage will pay around $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.