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 $1,312 a year with full coverage. Comprehensive costs approximately $250, collision costs $474, and liability costs around $430. Liability-only coverage costs as low as $486 a year, with high-risk coverage costing around $2,850. Teenage drivers cost the most to insure at $5,012 a year or more.

Average premium for full coverage: $1,312

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all HR-V models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $759
• Using higher $1,000 deductibles will save $164 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,312
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,634
• High-risk insureds who are prone to accidents and violations could pay around $2,850 or more
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,012 or more

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on the model of your HR-V, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 additional every year, depending on your age. Honda HR-V insurance for high-risk drivers can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,770 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $490 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $387 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied.

How to Find Affordable Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V requires being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices at every other renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a brief review of the concepts that were covered above.

• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,540 more per year to insure their HR-V
• Teen drivers are the costliest to insure, as much as $418 each month if comprehensive and collision insurance is included
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date

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.