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 prices for a Honda HR-V are $1,296 every 12 months for full coverage insurance. Comprehensive costs around $238 a year, collision costs $458, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $2,818. Teens pay the most at $4,988 a year or more.

Average premium for full coverage: $1,296

Premium estimates for type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why it is important to compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $749
• Using higher $1,000 deductibles will save about $1,136 each year
• The average price for a 40-year-old good driver using $500 deductibles is $1,296
• Selecting low $100 deductibles for physical damage coverage increases the price to $1,602
• High-risk insureds with serious driving violations could pay at least $2,818 or more
• An auto insurance policy to insure a 16-year-old driver can be $4,988 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 annually, while buying higher liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 44% to 138% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company calculates prices differently, and quoted prices will be substantially different.

How to Shop for the Best Cheap Honda HR-V Insurance

Finding better rates on insurance for a Honda HR-V requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a quick review of the information covered above.

• It is possible to save up to $160 per year simply by quoting early and online
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $416 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $475 each year
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,520 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay approximately $490 annually to increase from 30/60 bodily injury limits 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.