Buy Cheap Honda HR-V Auto Insurance in 2023
Average car insurance rates for a Honda HR-V cost $1,356 a year, or around $113 a month. Finding Honda HR-V teenager insurance rates can cost on average $4,956 a year, so shop around to find cheap coverage.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 don’t need to stress drivers out. Full coverage for a Honda HR-V costs around $1,356 a year or $113 each month. Learn what you can do to save on insurance rates for a Honda HR-V in our comprehensive guide.
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 car insurance costs for a Honda HR-V 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 Subaru Crosstrek, MINI Clubman, and Chevrolet Trax.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Honda HR-V | $294 | $532 | $372 | $1,356 |
| Subaru Crosstrek | $320 | $512 | $332 | $1,300 |
| MINI Clubman | $320 | $506 | $398 | $1,382 |
| Chevrolet Trax | $280 | $470 | $372 | $1,280 |
| Audi SQ5 | $394 | $774 | $264 | $1,542 |
| Ford EcoSport | $280 | $500 | $372 | $1,310 |
| Toyota C-HR | $254 | $452 | $258 | $1,074 |
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
The average Honda HR-V auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Honda HR-V costs $1,356, while a 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 the cost of Honda HR-V car insurance. For example, a 20-year-old driver could pay around $138 more each month for their Honda HR-V car insurance than a 30-year-old driver.
Driver Location
Where you live can have a large impact on Honda HR-V insurance rates. For example, drivers in Houston may pay $1,000 a year more than drivers in Columbus.
Your Driving Record
Your driving record can have an impact on the cost of Honda HR-V auto 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
Honda HR-V crash test ratings can impact your Honda HR-V car insurance rates. See Honda HR-V crash test results below:
| 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
The Honda HR-V safety features can help lower insurance costs. The 2020 Honda HR-V has the following safety features:
- 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, you will pay more if you purchase Honda HR-V car insurance at the dealership, so be sure to shop around and compare Honda HR-V car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Honda HR-V Insurance
You can save more money on your Honda HR-V auto insurance rates by employing any of the following five strategies.
- Remove Unnecessary Insurance Once Your Honda HR-V is Paid Off
- Get Married and Ask for a Discount
- Bundle Your Honda HR-V Auto Insurance with Home Insurance
- Apply for Your Full, Unrestricted License as Soon as You’re Eligible
- Buy An Older Honda HR-V
Top Honda HR-V Insurance Companies
Who is the top car insurance company for Honda HR-V insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda HR-V auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda HR-V offers.
| 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.
Frequently Asked Questions
Is it possible to find cheap insurance for a Honda HR-V?
Yes, it is possible to find affordable insurance for a Honda HR-V by following a few strategies.
What factors can affect the cost of Honda HR-V insurance?
Several factors can influence the cost of insurance for a Honda HR-V, including the driver’s age, location, driving record, coverage options, deductible amount, and the model year and trim level of the HR-V.
How can I lower my Honda HR-V insurance premiums?
You can lower your Honda HR-V insurance premiums by considering the following measures:
- Maintain a clean driving record.
- Opt for higher deductibles if you can afford to pay more out of pocket in case of an accident.
- Take advantage of available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features on your HR-V.
- Shop around and compare quotes from multiple insurance companies to find the best rate.
Are there any specific safety features on the Honda HR-V that could reduce insurance costs?
Yes, the Honda HR-V comes equipped with various safety features, such as anti-lock brakes, stability control, multiple airbags, and a rearview camera. These features can potentially help reduce insurance costs.
How does the model year and trim level of the Honda HR-V impact insurance rates?
Newer models of the Honda HR-V may have higher insurance rates due to their higher value. Additionally, higher trim levels with more advanced features may be more expensive to insure.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.