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 prices for a Honda HR-V are $1,312 every 12 months including full coverage. Comprehensive costs around $250, collision costs $474, and liability costs $430. Liability-only insurance costs as little as $486 a year, with high-risk driver insurance costing around $2,850. Teen drivers cost the most to insure at $5,012 a year or more.

Average premium for full coverage: $1,312

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured 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

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $759
• Drivers who choose higher $1,000 deductibles will pay about $164 every year
• The average price for a good driver age 40 using $500 deductibles is $1,312
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $1,634
• Drivers with multiple violations and an at-fault accident could pay at least $2,850 or more
• Policy cost to insure a 16-year-old driver with full coverage can be $5,012 a year

View Chart as Image

Auto insurance rates for a Honda HR-V also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles could save up to $490 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $387 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can cost from 44% to 136% more than average. View High Risk Driver Rates

Your home state makes a big difference in Honda HR-V insurance prices. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied.

How to Shop for Low Cost Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a review of the information covered in the charts and tables above.

• You may be able to save up to $160 per year simply by shopping early and online
• Teenagers are expensive to insure, with premiums being up to $418 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,540 more every year for car insurance
• Insureds who may need higher liability limits will pay about $470 per year to go from a 30/60 limit to a 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.