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 for full coverage. Comprehensive costs an estimated $250, collision costs $474, and liability coverage is estimated at $430. Liability-only coverage costs approximately $486 a year, with high-risk coverage costing around $2,850. Teenage drivers receive the highest rates at $5,012 a year or more.

Average premium for full coverage: $1,312

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

These examples show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Analysis

The chart below shows estimated Honda HR-V insurance rates for other coverage scenarios.

• The best discount rate is $759
• Choosing higher $1,000 deductibles can save approximately $164 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,312
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,634
• Drivers who are prone to accidents and violations could pay up to $2,850 or more
• The cost to insure a teenage driver with full coverage can cost as much as $5,012 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $490 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $387 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance ranges around 44% to 136% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda HR-V insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different.

How to Shop for the Right Honda HR-V Insurance

Saving money on auto insurance takes being safe and accident-free, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Take the time to comparison shop every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the material that was touched on in the above illustrations.

• Consumers who want more liability protection will pay an extra $470 each year to raise limits from a minimum limit to a 250/500 level
• Youthful drivers have the highest car insurance rates, costing as high as $418 per month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions pay on average $1,540 more annually than a low-risk driver
• 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.