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 $1,312 a year including full coverage. Comprehensive costs around $250 a year, collision costs $474, and liability costs around $430. Buying just liability costs as low as $486 a year, with insurance for high-risk drivers 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:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and HR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Details

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
• Using higher $1,000 deductibles will save about $1,148 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,312
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,634
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,850 or more
• Policy cost for full coverage for a 16-year-old driver can be $5,012 or more

View Chart as Image

Insurance rates for a Honda HR-V also range considerably based on your risk profile, the model of your HR-V, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,000 a year. View Rates by Age

Your home state has a huge impact on Honda HR-V insurance prices. A driver around age 40 might see rates 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

Choosing high deductibles could cut rates by as much as $490 annually, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $387 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 136% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

How to Find Affordable Honda HR-V Insurance

Finding cheaper rates on insurance for a Honda HR-V requires being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $160 per year simply by quoting early and online
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,540 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save around $475 each year
• Teenage drivers pay higher rates, with premiums being up to $418 each month for full coverage

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.