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 $1,262 annually for full coverage. Comprehensive costs approximately $228 a year, collision costs $424, and liability insurance costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,742. Teens cost the most to insure at $4,884 a year or more.

Average premium for full coverage: $1,262

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $735
• Using higher $1,000 deductibles will save $1,116 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,262
• Selecting low $100 deductibles for physical damage coverage will cost $1,550
• Drivers with serious driving violations could pay around $2,742 or more
• Policy cost with full coverage for a teen driver can cost $4,884 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,800 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 anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see rates as low as $830 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,800 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied between companies.

How to Buy Cheaper Honda HR-V Insurance

Finding cheaper rates on Honda HR-V insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a condensed summary of the material that was touched on in the above illustrations.

• Drivers who purchase higher liability limits will pay approximately $500 each year to increase from a 30/60 limit to higher 250/500 limits
• Teenagers are the costliest to insure, costing up to $407 each month if they have full coverage
• High-risk drivers with multiple at-fault accidents pay on average $1,480 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $425 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.