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.

Average insurance rates for a Honda HR-V are $1,296 a year with full coverage. Comprehensive insurance costs around $238, collision insurance costs $458, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $2,818 or more. 16-year-old drivers receive the highest rates at up to $4,988 a year.

Average premium for full coverage: $1,296

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities. The example below illustrates how location helps determine auto insurance rates.

These examples demonstrate why everyone should get quotes for a specific zip code and risk profile, rather than using rate averages.

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

Additional Rate Analysis

The chart below details average Honda HR-V insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $749
• Choosing higher $1,000 deductibles can save about $160 annually
• The average rate for a 40-year-old driver using $500 deductibles is $1,296
• Buying pricier low deductibles for comp and collision coverage will cost an extra $306 each year
• Drivers with multiple tickets or accidents could pay at least $2,818
• The cost for full coverage for a teenage driver for full coverage can be $4,988 each year

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $4,900 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $470 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,600 to $2,200 extra per year, depending on your age. Honda HR-V insurance for high-risk drivers ranges around 44% to 138% more than the average rate. View High Risk Driver Rates

How to Find the Best Cheap Honda HR-V Insurance

Saving money on auto insurance takes having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by getting quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a quick review of the information covered in the charts and tables above.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers pay higher rates, with premiums as much as $416 per month for full coverage
• Increasing deductibles can save around $475 each year
• Drivers with a DUI or reckless driving violation pay an average of $1,520 more every year than a driver with a clean driving record
• Consumers who may need additional liability coverage will pay around $490 every year to raise limits from a minimum 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.