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

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $749
• Drivers who choose higher $1,000 deductibles will pay approximately $1,136 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,296
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,602
• Higher-risk drivers with serious driving violations could pay up to $2,818 or more
• Policy cost with full coverage for a teen driver can cost as much as $4,988 a year

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay 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 could be paying $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 138% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $470 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see which company has the best rate. Every company calculates rates differently, and quoted rates will be varied between companies.

How to Buy the Best Honda HR-V Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the information touched on above.

• Drivers can save approximately $160 per year simply by quoting early and online
• Teen drivers are the costliest to insure, costing up to $416 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Higher risk drivers who tend to receive serious violations may pay on average $1,520 more annually to insure their HR-V
• Policyholders who want more liability coverage will pay approximately $490 each year to go 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.