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

Average premium for full coverage: $1,312

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different HR-V trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas.

The price range example below illustrates the difference location can make on car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $759
• Raising to $1,000 deductibles will save around $164 annually
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,312
• Choosing more expensive low deductibles will cost $1,634
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,850 or more
• The cost with full coverage for a 16-year-old driver with full coverage may cost $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 driving record, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $490 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $387 more each year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Honda HR-V insurance prices. A middle-age driver might find rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, and rates can be significantly different between companies.

How to Buy the Right Honda HR-V Insurance

Saving money on insurance for a Honda HR-V consists of avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least every other year by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a quick rundown of the car insurance concepts touched on in this article.

• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,540 more each year for car insurance
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing deductibles could save up to $475 each year
• Insureds who require higher liability limits will pay about $470 every year to raise from a minimum limit to higher 250/500 limits

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.