Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2020

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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.

Honda HR-V Insurance Cost

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
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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?

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
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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

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
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Honda HR-V Crash Test Ratings

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
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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

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
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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.