Honda HR-V Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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
Using a middle-aged driver as an example, Honda HR-V insurance rates go from as cheap as $504 for minimum levels of liability insurance to a high of $2,742 for high-risk insurance.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
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
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.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,142 | -$120 | -9.5% |
Alaska | $968 | -$294 | -23.3% |
Arizona | $1,048 | -$214 | -17.0% |
Arkansas | $1,262 | -$0 | 0.0% |
California | $1,438 | $176 | 13.9% |
Colorado | $1,206 | -$56 | -4.4% |
Connecticut | $1,298 | $36 | 2.9% |
Delaware | $1,428 | $166 | 13.2% |
Florida | $1,580 | $318 | 25.2% |
Georgia | $1,164 | -$98 | -7.8% |
Hawaii | $906 | -$356 | -28.2% |
Idaho | $854 | -$408 | -32.3% |
Illinois | $940 | -$322 | -25.5% |
Indiana | $950 | -$312 | -24.7% |
Iowa | $850 | -$412 | -32.6% |
Kansas | $1,200 | -$62 | -4.9% |
Kentucky | $1,724 | $462 | 36.6% |
Louisiana | $1,868 | $606 | 48.0% |
Maine | $778 | -$484 | -38.4% |
Maryland | $1,040 | -$222 | -17.6% |
Massachusetts | $1,010 | -$252 | -20.0% |
Michigan | $2,194 | $932 | 73.9% |
Minnesota | $1,056 | -$206 | -16.3% |
Mississippi | $1,512 | $250 | 19.8% |
Missouri | $1,118 | -$144 | -11.4% |
Montana | $1,356 | $94 | 7.4% |
Nebraska | $996 | -$266 | -21.1% |
Nevada | $1,516 | $254 | 20.1% |
New Hampshire | $910 | -$352 | -27.9% |
New Jersey | $1,410 | $148 | 11.7% |
New Mexico | $1,118 | -$144 | -11.4% |
New York | $1,328 | $66 | 5.2% |
North Carolina | $728 | -$534 | -42.3% |
North Dakota | $1,034 | -$228 | -18.1% |
Ohio | $872 | -$390 | -30.9% |
Oklahoma | $1,296 | $34 | 2.7% |
Oregon | $1,154 | -$108 | -8.6% |
Pennsylvania | $1,204 | -$58 | -4.6% |
Rhode Island | $1,684 | $422 | 33.4% |
South Carolina | $1,142 | -$120 | -9.5% |
South Dakota | $1,064 | -$198 | -15.7% |
Tennessee | $1,106 | -$156 | -12.4% |
Texas | $1,522 | $260 | 20.6% |
Utah | $934 | -$328 | -26.0% |
Vermont | $864 | -$398 | -31.5% |
Virginia | $754 | -$508 | -40.3% |
Washington | $976 | -$286 | -22.7% |
West Virginia | $1,158 | -$104 | -8.2% |
Wisconsin | $874 | -$388 | -30.7% |
Wyoming | $1,126 | -$136 | -10.8% |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Honda HR-V | $228 | $424 | $452 | $1,262 |
2017 Honda HR-V | $218 | $400 | $456 | $1,232 |
2016 Honda HR-V | $210 | $358 | $460 | $1,186 |
Rates are averaged for all Honda HR-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
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.
Compare Quotes From Top Companies and Save Secured with SHA-256 EncryptionFree Car Insurance Comparison
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:
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.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,884 |
20 | $2,928 |
30 | $1,304 |
40 | $1,262 |
50 | $1,156 |
60 | $1,134 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,550 |
$250 | $1,416 |
$500 | $1,262 |
$1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,262 |
50/100 | $1,352 |
100/300 | $1,465 |
250/500 | $1,759 |
100 CSL | $1,398 |
300 CSL | $1,646 |
500 CSL | $1,827 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,946 |
20 | $4,668 |
30 | $2,788 |
40 | $2,742 |
50 | $2,620 |
60 | $2,598 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $66 |
Multi-vehicle | $68 |
Homeowner | $20 |
5-yr Accident Free | $89 |
5-yr Claim Free | $81 |
Paid in Full/EFT | $54 |
Advance Quote | $61 |
Online Quote | $88 |
Total Discounts | $527 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area