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 auto insurance rates for a Honda HR-V are $1,312 annually including full coverage. Comprehensive costs on average $250 a year, collision costs $474, and liability is estimated at $430. A liability-only policy costs approximately $486 a year, with high-risk insurance costing around $2,850. Teen drivers pay the most at $5,012 a year or more.

Average premium for full coverage: $1,312

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and HR-V trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

These rate differences highlight why it is important to get quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Honda HR-V insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $759
• Choosing higher $1,000 deductibles can save around $1,148 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,312
• Choosing low $100 deductibles for comp and collision coverage will cost $1,634
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,850 or more
• An auto insurance policy with full coverage for a teen driver may cost $5,012 each year

View Chart as Image

Auto insurance prices for a Honda HR-V also have a wide range based on the model of your HR-V, your driving characteristics, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $490 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Honda HR-V insurance prices. A good driver about age 40 could pay 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

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different between companies.

How to Buy the Cheapest Honda HR-V Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Make time to compare rates at least once a year by quoting rates from direct car insurance companies, and also from several local insurance agents.

The list below is a recap of the primary concepts that were touched on in this article.

• You may be able to save as much as $160 per year simply by quoting early and online
• Higher risk drivers that have major violations or accidents pay on average $1,540 more each year for car insurance
• Increasing policy deductibles could save up to $475 each year
• Teenagers are charged the highest prices, with the cost nearing $418 per month if full coverage 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.