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 for full coverage. Comprehensive insurance costs around $238, collision costs $458, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers 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 for individual coverage type:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance rates.

These examples show why everyone should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save about $160 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,296
• Selecting pricier low deductibles will cost an additional $306 annually
• Drivers with serious driving violations could pay at least $2,818 or more
• The cost that insures a 16-year-old driver for full coverage can be $4,988

View Chart as Image

Auto insurance rates for a Honda HR-V can also vary considerably based on the model of your HR-V, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Honda HR-V insurance for high-risk drivers is expensive and can cost from 44% to 138% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Where you live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $850 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to regularly compare rates from multiple companies. Every auto insurance company calculates rates differently, and quoted rates can be significantly different.

How to Find Low Cost Honda HR-V Insurance

Saving money on insurance for a Honda HR-V consists of being a low-risk driver, maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Compare rates at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a review of the data raised in the charts and tables above.

• Insureds who may need more liability coverage will pay approximately $490 each year to raise from a minimum limit to the 250/500 level
• Drivers can save up to $160 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $475 each year
• Teen drivers are expensive to insure, costing as high as $416 per month if the policy includes full coverage

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.