What is the Best Car Insurance for a Honda HR-V?

Average Honda HR-V auto insurance rates cost $1,356 a year, or around $113 a month. Mature drivers with good driving records may find rates as low as $797 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 26, 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 car insurance rates cost an average of $1,356 a year or $113 each month, but that can be reduced to $544 a year with a liability-only policy. Good drivers can save up to $559 every year on Honda HR-V insurance rates with policy discounts. Keep reading to learn all about Honda HR-V rates so you can compare policies with confidence.

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 auto insurance rates for a Honda HR-V cost $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 Lincoln MKT, Audi Q5, and Lincoln MKC.

Vehicle Comprehensive Collision Liability Total
Honda HR-V $294 $532 $372 $1,356
Lincoln MKT $370 $626 $450 $1,626
Audi Q5 $362 $718 $372 $1,610
Lincoln MKC $306 $596 $398 $1,458
Ford EcoSport $280 $500 $372 $1,310
Nissan Rogue $268 $512 $440 $1,400
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 auto insurance coverage.

Age of the Vehicle

Older Honda HR-V models generally cost less to insure. For example, car insurance rates for a 2020 Honda HR-V are $1,356, while 2016 Honda HR-V rates 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 impact on Honda HR-V auto insurance rates. For example, 20-year-old drivers pay approximately $1,658 more each year for their Honda HR-V auto insurance than 30-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 your Honda HR-V car insurance rates. 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 auto insurance rates are tied to the Honda HR-V’s safety ratings. 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

Poor Honda HR-V crash test ratings could mean higher 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

The Honda HR-V safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Honda HR-V auto insurance rates. 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, 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

There are many ways that you can save on Honda HR-V car insurance. Below are five actions you can take to find cheap Honda HR-V auto insurance rates.

  • Renew Your Honda HR-V Insurance Coverage to Avoid Lapses
  • Spy on Your Teen Driver
  • Use Paperless Billing for Your Honda HR-V Insurance Policy
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Buy Winter Tires for Your Honda HR-V

Top Honda HR-V Insurance Companies

Who is the best auto 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 insurance from some of the top car insurance companies by using our free online tool today.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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