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.

Estimated auto insurance rates for a Honda HR-V are $1,296 annually with full coverage. Comprehensive costs around $238 a year, collision insurance costs $458, and liability insurance costs around $442. A policy with only liability insurance costs as low as $496 a year, and a high-risk policy costs around $2,818. 16-year-old drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities. The diagram below illustrates how where you live affects auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $749
• Using higher $1,000 deductibles will save about $1,136 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,296
• Buying low $100 deductibles for physical damage coverage will cost $1,602
• Drivers with multiple tickets or accidents could pay at least $2,818
• An auto insurance policy with full coverage for a teen driver can be $4,988 or more

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving record, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 138% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $470 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda HR-V insurance rates. A driver around age 40 might see prices 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

How to Buy Low Cost Honda HR-V Insurance

Finding better rates on Honda HR-V insurance requires being a good driver, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every year by getting quotes from direct companies, and also from local exclusive and independent agents.

The following list is a review of the coverage data touched on in the above illustrations.

• You may be able to save up to $160 per year just by quoting early and online
• Increasing policy deductibles could save up to $475 each year
• Drivers age 16 to 20 are the costliest to insure, possibly costing $416 per month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations may pay on average $1,520 more every year than a safer driver

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.