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 on average $238, collision costs $458, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,818 or more. Teens receive the highest rates at $4,988 a year or more.

Average premium for full coverage: $1,296

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

These examples demonstrate why everyone should compare rates based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $749
• Drivers who choose higher $1,000 deductibles will pay around $160 annually
• The average rate for a 40-year-old driver with $500 deductibles is $1,296
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $306 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,818 or more
• The cost for full coverage for a teen driver for full coverage may cost $4,988 a 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 policy deductibles and limits.

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

Where you live makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $470 every year, whereas buying more liability protection will cost you more. 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 a minimum $1,600 to $2,200 extra per year, depending on your age. Honda HR-V insurance for high-risk drivers can cost as much as 44% to 138% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, so the rates can be significantly different from one company to the next.

How to Find Affordable Honda HR-V Insurance

Saving money on car insurance not only requires being safe and accident-free, but also maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Spend time shopping around every time your policy renews by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

Below you'll find a brief review of the information touched on above.

• You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Youthful drivers pay the highest rates, with premiums as much as $416 per month for full coverage
• Increasing deductibles can save around $475 each year
• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,520 more each year than a low-risk driver
• Policyholders who require more liability protection will pay approximately $490 every year to go 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.