Honda HR-V Insurance Rates [Comprehensive Guide]

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 1, 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 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
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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

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
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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
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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
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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
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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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