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How Much are Honda HR-V Insurance Rates?

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.

Table of Contents

Honda HR-V Insurance Cost

The average Honda HR-V auto insurance rates are $1,356 a year or $113 a month.

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.

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.

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