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 prices for a Honda HR-V are $1,312 every 12 months including full coverage. Comprehensive insurance costs around $250 each year, collision costs $474, and liability insurance costs $430. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $2,850 or more. Teens receive the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Rate estimates for individual coverage type:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and HR-V models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

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

These examples highlight why all drivers should compare rates for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $759
• Drivers who choose higher $1,000 deductibles will pay about $164 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,312
• Selecting low deductibles for comprehensive and collision insurance costs an extra $322 a year
• High risk drivers with serious driving violations could pay at least $2,850 or more
• The cost to insure a teen driver can be $5,012 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $490 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Honda HR-V insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,870 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company calculates rates differently, and quoted rates can be significantly different.

How to Shop for the Cheapest Honda HR-V Insurance

Saving money on Honda HR-V insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a recap of the material that was raised in the charts and tables above.

• Drivers who may need additional liability coverage will pay approximately $470 per year to go from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, as much as $418 per month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,540 more every year than a driver with a clean driving record
• Increasing deductibles could save as much as $475 each year

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.