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 $1,296 a year including full coverage. Comprehensive insurance costs on average $238, collision costs $458, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,818 or more. 16-year-old drivers cost the most to insure at $4,988 a year or more.

Average premium for full coverage: $1,296

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how your location can change car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $749
• Raising to $1,000 deductibles will save around $160 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,296
• Buying more expensive low deductibles will cost an additional $306 every year
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,818 or more
• Policy cost that insures a teen driver with full coverage may cost $4,988

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on the model year and trim level, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 138% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 a year. View Rates by Age

Your home state also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $470 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates will be varied.

How to Find the Best Cheap Honda HR-V Insurance

Finding cheaper rates on car insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop every time your policy renews by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a quick review of the information illustrated above.

• You may be able to save as much as $160 per year simply by shopping early and online
• Teenage drivers pay higher rates, with premiums being up to $416 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,520 more each year for auto insurance
• Policyholders who require higher levels of liability will pay around $490 per year to raise from a 30/60 limit to the 250/500 level

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.