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 insurance rates for a Honda HR-V are $1,296 a year with full coverage. Comprehensive insurance costs approximately $238, collision insurance costs $458, and liability coverage is estimated at $442. A policy with only liability insurance costs approximately $496 a year, and a high-risk policy costs $2,818 or more. Teenage drivers pay the most at up to $4,988 a year.

Average premium for full coverage: $1,296

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than using average rates.

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

Rates by State, City, and Model

The chart below details average Honda HR-V insurance rates for additional coverage and risk scenarios.

• The best discount rate is $749
• Choosing higher $1,000 deductibles can save $160 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,296
• Using more expensive low deductibles for comp and collision coverage will cost an additional $306 each year
• Drivers who are prone to accidents and violations could pay around $2,818
• An auto insurance policy that insures a teenage driver with full coverage can cost $4,988 each year

View Chart as Image

Car insurance prices for a Honda HR-V also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance ranges around 44% to 138% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $470 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Honda HR-V Insurance

Finding better rates on auto insurance takes being a low-risk driver, having a positive credit history, being claim-free, and attention to physical damage deductibles. Compare prices every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a review of the information covered above.

• You may be able to save around $160 per year just by shopping early and online
• Teen drivers pay the highest auto insurance prices, possibly costing $416 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $475 each year
• Drivers who have several accidents or serious violations may have to pay on average $1,520 more per year to insure their HR-V
• Consumers who purchase more liability coverage will pay an extra $490 every year to raise limits from 30/60 bodily injury limits 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.