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 rates for a Honda HR-V are $1,312 a year for full coverage insurance. Comprehensive insurance costs an estimated $250 a year, collision insurance costs $474, and liability insurance is $430. A policy with just liability insurance costs around $486 a year, and coverage for high-risk drivers costs $2,850 or more. Teen drivers receive the highest rates at up to $5,012 a year.

Average premium for full coverage: $1,312

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

These examples illustrate why it is important to compare rates quotes for a targeted area, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below illustrates average Honda HR-V insurance rates for other coverage scenarios.

• The lowest rate with discounts is $759
• Raising to $1,000 deductibles will save approximately $1,148 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,312
• Choosing low $100 deductibles will cost an additional $322 a year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,850
• The cost that insures a teen driver can cost as much as $5,012

View Chart as Image

Insurance rates for a Honda HR-V can also vary considerably based on the trim level of your HR-V, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 136% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

Where you live also has a big influence on Honda HR-V insurance rates. A middle-age driver might find rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,770 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $490 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

How to Find More Affordable Honda HR-V Insurance

Saving money on Honda HR-V insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a summary of the data touched on above.

• Drivers who want more liability protection will pay about $470 annually to raise from a minimum limit to the 250/500 level
• It is possible to save approximately $160 per year just by quoting early and online
• Increasing deductibles can save approximately $475 each year
• Youthful drivers are expensive to insure, costing up to $418 per month if comprehensive and collision insurance is included

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.