How Much are Honda HR-V Insurance Rates?
Average Honda HR-V car insurance rates cost $1,356 a year, or around $113 a month. Finding Honda HR-V teenager insurance coverage can cost on average $4,956 a year, so shop around to find cheap rates.
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UPDATED: Jul 25, 2022
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Key takeaways:
- Full coverage costs around $1,356 a year or $113 each month
- A liability-only policy costs around $544 a year or $45 each month
- Highest rates are for teenage drivers at around $4,956 a year or $413 each month
- Good drivers can save as much as $559 a year by earning policy discounts
- Honda HR-V insurance costs around $163 less per year than the average vehicle
Honda HR-V insurance rates are about $163 less per year than the average vehicle with full coverage around $1,356 a year or $113 a month. Good drivers can get up to $559 a year in policy discounts by practicing safe driving habits. Let’s take a look at Honda HR-V insurance rates, crash test ratings, and more.
You can start comparing quotes for Honda HR-V car insurance rates from some of the best car insurance companies by using our free online tool now.
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Honda HR-V Insurance Cost
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The average Honda HR-V auto insurance rates are $1,356 a year or $113 a month.
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Are Honda HR-Vs Expensive to Insure?
The chart below details how Honda HR-V insurance rates compare to other crossovers like the Nissan Murano, Chevrolet Equinox, and Mazda CX-5.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda HR-V | $294 | $532 | $372 | $1,356 |
| Nissan Murano | $294 | $512 | $390 | $1,354 |
| Chevrolet Equinox | $308 | $532 | $372 | $1,370 |
| Mazda CX-5 | $322 | $532 | $372 | $1,384 |
| Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| Lincoln MKC | $306 | $596 | $398 | $1,458 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
However, there are a few things you can do to find the cheapest Honda insurance rates online.
What Impacts the Cost of Honda HR-V Insurance?
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The Honda HR-V trim and model you choose can impact the total price you will pay for Honda HR-V insurance coverage.
Age of the Vehicle
Older Honda HR-V models generally cost less to insure. For example, car insurance for a 2020 Honda HR-V costs $1,356, while 2016 Honda HR-V insurance costs are $1,312, a difference of $44.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Honda HR-V | $294 | $532 | $372 | $1,356 |
| 2019 Honda HR-V | $280 | $512 | $390 | $1,340 |
| 2018 Honda HR-V | $270 | $506 | $398 | $1,332 |
| 2017 Honda HR-V | $260 | $494 | $416 | $1,328 |
| 2016 Honda HR-V | $250 | $474 | $430 | $1,312 |
Driver Age
Driver age can have a significant effect on Honda HR-V car insurance rates. For example, 30-year-old drivers pay $60 more for Honda HR-V car insurance than 40-year-old drivers.
Driver Location
More: Is Honda’s safety rating on small SUVs better than Subaru’s?
Where you live can have a large impact on Honda HR-V insurance rates. For example, drivers in Jacksonville may pay $813 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Honda HR-V car insurance. Teens and drivers in their 20’s see the highest jump in their Honda HR-V car insurance with violations on their driving record.
Honda HR-V Safety Ratings
Your Honda HR-V car insurance rates are tied to the safety ratings of the Honda HR-V. See the breakdown below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Honda HR-V Crash Test Ratings
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Good Honda HR-V crash test ratings mean the VW is safer, which could mean cheaper Honda HR-V car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Honda HR-V SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Honda HR-V SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Honda HR-V SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Honda HR-V SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Honda HR-V SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Honda HR-V SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Honda HR-V SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Honda HR-V SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Honda HR-V SUV FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Honda HR-V SUV AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Honda HR-V Safety Features
Having a variety of safety features on your Honda HR-V can help lower your Honda HR-V insurance costs. The Honda HR-V’s safety features include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
Honda HR-V Finance and Insurance Cost
If you are financing a Honda HR-V, most lenders will require your carry higher Honda HR-V coverages including comprehensive coverage, so be sure to compare Honda HR-V car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Honda HR-V Insurance
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Although it may seem like your Honda HR-V car insurance rates are set, there are a few measures that you can take to secure the best Honda HR-V car insurance rates possible. Take a look at the following five ways to save on Honda HR-V auto insurance.
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Ask About Seasonal Insurance for Your Honda HR-V
- Pay Your Honda HR-V Insurance Upfront
- Reduce Modifications on Your Honda HR-V
- Buy a Dashcam for Your Honda HR-V
Top Honda HR-V Insurance Companies
Several insurance companies offer competitive rates for the Honda HR-V based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Honda HR-V drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Honda HR-V Insurance Quotes Online
You can start comparing quotes for Honda HR-V auto insurance rates from some of the best auto insurance companies by using our free online tool now.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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