Honda HR-V Car Insurance Cost 2025
On average, the cost to insure a Honda HR-V is $502 per year. However, the exact premium you pay may vary depending on factors like your age, the specific model year of your Honda HR-V, and other variables. To get a more accurate estimate, you can use our quote tables to compare prices and find the best rate for your situation.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Honda HR-V, one crucial aspect to consider is the insurance cost. On average, insurance for a Honda HR-V costs $502 per year. Insurance is a big part of owning a car, and it’s essential to understand its implications before making a purchase.
Selecting the right insurance policy is vital to avoid unexpected and potentially high expenses later on. Insufficient coverage during an accident can lead to significant out-of-pocket costs. Additionally, if you’re at fault, there might be increases in premiums.
With my extensive experience analyzing insurance rates over the years, I’ve noticed how much these costs can vary. Factors like your age, driving history, and where you reside can significantly impact your insurance premiums.
How Much Does Honda HR-V Car Insurance Cost?
Typically, Honda HR-V drivers can expect to pay an average of $502 per year for car insurance. However, individual rates may vary depending on factors such as driving history, location, and coverage options. It’s always a good idea to shop around and compare quotes to find the best rate for your specific circumstances.
It’s important to note that the cost of car insurance can vary widely based on several factors. These include your location, driving history, the year of your car model, and the type of coverage you choose. For example, drivers with a clean driving record typically pay lower premiums, while a history of accidents or traffic violations can result in higher costs.
Additionally, living in an urban area with high traffic density can lead to higher insurance rates compared to rural areas with less congestion. The type of coverage also plays a key role—comprehensive coverage, which includes both collision and comprehensive protection, generally costs more than the minimum liability coverage.
As shown, the insurance cost for a Honda HR-V is lower than the average for all Honda models, yet still remains more affordable compared to the average insurance cost for all cars. To ensure you get the best deal, Insuranceopedia is here to help you compare quotes from various auto insurance providers, helping you find the most suitable rate for your needs.
| Vehicle | Average Monthly Premium |
| Honda HR-V | $149 |
| All Honda | $167 |
| All Cars | $175 |
Average Insurance Cost Of Honda HR-V By Model Year
| Model Year | Average Premium |
| 2024 Honda HR-V | $792 |
| 2023 Honda HR-V | $725 |
| 2022 Honda HR-V | $774 |
| 2021 Honda HR-V | $708 |
| 2020 Honda HR-V | $786 |
| 2019 Honda HR-V | $648 |
| 2018 Honda HR-V | $629 |
| 2017 Honda HR-V | $836 |
| 2016 Honda HR-V | $665 |
| 2013 Honda HR-V | $3,552 |
2024 Honda HR-V Insurance Rates
The average annual insurance cost for a 2024 Honda HR-V Car is $792. However, Safeco offers the cheapest rates, averaging $502 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $502 |
| Dairyland Broadform | $658 |
| NatGen Custom 360 | $668 |
| Buckeye Insurance Group | $814 |
| New York Central Mutual Fire | $1,022 |
| NatGen Value | $624 |
| American National P | $877 |
| Titan | $976 |
| Dairyland | $878 |
| Utica National Ins Group | $902 |
2023 Honda HR-V Insurance Rates
The average annual insurance cost for a 2023 Honda HR-V Car is $725. However, Victoria offers the cheapest rates, averaging $343 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $957 |
| Safeco | $514 |
| Pekin Insurance | $700 |
| AssuranceAmerica Mobile Max | $647 |
| Buckeye Insurance Group | $997 |
| Victoria | $343 |
| NatGen Value | $763 |
| NatGen Custom 360 | $689 |
| Mercury Insurance | $553 |
| Texas Farm Bureau Group | $1,082 |
2022 Honda HR-V Insurance Rates
The average annual insurance cost for a 2022 Honda HR-V Car is $774. However, NatGen Custom 360 offers the cheapest rates, averaging $290 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $699 |
| NatGen Custom 360 | $290 |
| MMG Insurance Company | $773 |
| Safeco | $332 |
| Mercury Insurance | $719 |
| AssuranceAmerica Mobile Max | $784 |
| Tennessee Farmers | $1,025 |
| Virginia Farm Bureau | $1,041 |
| North Carolina Farm Bureau | $1,008 |
| NatGen Value | $1,067 |
2021 Honda HR-V Insurance Rates
The average annual insurance cost for a 2021 Honda HR-V Car is $708. However, Safeco offers the cheapest rates, averaging $426 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $508 |
| Safeco | $426 |
| NatGen Custom 360 | $468 |
| United Farm Bureau of IN Group | $922 |
| Countryway Insurance | $977 |
| Mercury Insurance | $888 |
| NatGen PPA | $716 |
| Texas Farm Bureau Group | $827 |
| Victoria | $445 |
| Buckeye Insurance Group | $903 |
2020 Honda HR-V Insurance Rates
The average annual insurance cost for a 2020 Honda HR-V Car is $786. However, American National P offers the cheapest rates, averaging $467 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $864 |
| American National P | $467 |
| SafeAuto | $906 |
| North Carolina Farm Bureau | $961 |
| Safeco | $536 |
| MMG Insurance Company | $788 |
| Concord Group | $815 |
| NatGen PPA | $677 |
| Wolverine Mutual | $948 |
| Rural Mutual Insurance | $898 |
Find Affordable Honda HR-V Insurance Rates
2019 Honda HR-V Insurance Rates
The average annual insurance cost for a 2019 Honda HR-V Car is $648. However, Safeco offers the cheapest rates, averaging $293 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $541 |
| Safeco | $293 |
| Mercury Insurance | $495 |
| Indiana Farmers Mutual Ins | $905 |
| AssuranceAmerica Mobile Max | $445 |
| NatGen Value | $813 |
| Concord Group | $670 |
| NatGen PPA | $814 |
| NatGen Custom 360 | $632 |
| Partners Mutual Insurance Co | $873 |
2018 Honda HR-V Insurance Rates
The average annual insurance cost for a 2018 Honda HR-V Car is $629. However, American National P&C offers the cheapest rates, averaging $395 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $750 |
| Safeco | $520 |
| Infinity Special | $762 |
| Kemper Personal Insurance | $722 |
| American National P&C | $395 |
| North Carolina Farm Bureau | $825 |
| NatGen Custom 360 | $691 |
| American National P | $538 |
| Buckeye Insurance Group | $608 |
| Mercury Insurance | $474 |
2017 Honda HR-V Insurance Rates
The average annual insurance cost for a 2017 Honda HR-V Car is $836. However, Safeco offers the cheapest rates, averaging $279 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $929 |
| Dairyland Broadform | $1,055 |
| NatGen PPA | $1,081 |
| American National P | $553 |
| PEMCO | $840 |
| Safeco | $279 |
| North Carolina Farm Bureau | $762 |
| Verti Insurance | $1,105 |
| Texas Farm Bureau Group | $907 |
| Mercury Insurance | $850 |
2016 Honda HR-V Insurance Rates
The average annual insurance cost for a 2016 Honda HR-V Car is $836. However, Safeco offers the cheapest rates, averaging $173 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $895 |
| Mercury Insurance | $795 |
| Infinity Special | $908 |
| Kentucky Farm Bureau | $906 |
| AssuranceAmerica Mobile Max | $298 |
| American National P | $656 |
| Kemper Personal Insurance | $322 |
| Safeco | $173 |
| PEMCO | $775 |
| North Star | $924 |
2013 Honda HR-V Insurance Rates
The average annual insurance cost for a 2013 Honda HR-V Car is $3,552. However, Metropolitan offers the cheapest rates, averaging $2,051 per year.
| Insurance Provider | Average Annual Cost |
| Metropolitan | $2,051 |
| Safe Auto | $5,053 |
Find Affordable Honda HR-V Insurance Rates
Is A Honda HR-V Expensive To Insure?
The cost to insure a Honda HR-V is generally lower than the overall average for all cars. However, the exact premium you’ll pay can vary based on factors such as your age, the year of your car model, your location, and other personal details. For example, younger drivers and those in certain areas with higher traffic or accident rates may face higher premiums. Additionally, the level of coverage you choose will also impact your cost. It’s important to consider these factors when estimating your insurance rates.
Cost of Honda HR-V Car Insurance By Age
Age is one of the key factors in determining car insurance rates. Teen drivers typically face the highest premiums because they are statistically more likely to be involved in accidents due to inexperience. As drivers get older and gain more experience, their premiums tend to decrease, as they are considered lower risk. Insurance companies often offer lower rates to drivers in their 30s, 40s, and 50s. However, premiums may start to rise again as drivers reach their 60s and beyond, depending on their driving history and other factors.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,562 | $9,584 | $11,218 |
| 18 | $6,071 | $8,970 | $10,429 |
| 19 | $5,348 | $7,901 | $9,272 |
| 20 | $4,655 | $6,856 | $8,029 |
| 21 | $3,932 | $5,754 | $6,716 |
| 22 | $3,800 | $5,635 | $6,585 |
| 23 | $3,369 | $4,924 | $5,758 |
| 24 | $3,185 | $4,716 | $5,453 |
| 25 | $2,751 | $4,068 | $4,726 |
| 30 | $2,100 | $3,127 | $3,705 |
| 35 | $2,045 | $2,978 | $3,410 |
| 40 | $1,969 | $2,820 | $3,304 |
| 45 | $1,844 | $2,733 | $3,205 |
| 55 | $1,730 | $2,519 | $2,955 |
| 65 | $1,749 | $2,627 | $3,079 |
| 75 | $2,268 | $3,297 | $3,900 |
Honda HR-V Car Insurance Rates By State
Yes, where you live is a major factor in determining your car insurance rates. States have different laws and regulations that affect premiums. For example, Michigan has some of the highest auto insurance rates in the country because it requires unlimited personal injury protection (PIP), which increases coverage levels.
Location also influences premiums based on the risk of weather-related damages. Areas prone to extreme weather like hurricanes, floods, and severe storms generally see higher rates, as insurance companies anticipate more claims due to these events.
Moreover, areas with higher crime rates, especially car thefts and accidents, may also lead to higher premiums. Urban areas with more traffic and a higher risk of collisions tend to have higher insurance costs compared to rural areas where the risk of accidents is lower. Insurance companies factor all these considerations when determining how much to charge for your Honda HR-V coverage.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,018 | $2,993 | $3,727 |
| Alaska | $1,705 | $2,313 | $2,251 |
| Arizona | $1,895 | $2,753 | $4,048 |
| Arkansas | $2,063 | $3,330 | $3,580 |
| California | $2,290 | $4,143 | $2,312 |
| Colorado | $2,131 | $3,065 | $3,839 |
| Connecticut | $2,729 | $4,279 | $5,445 |
| Delaware | $2,262 | $3,061 | $3,942 |
| Florida | $2,759 | $3,741 | $4,970 |
| Georgia | $2,205 | $3,360 | $3,411 |
| Hawaii | $863 | $1,185 | $934 |
| Idaho | $1,512 | $2,067 | $2,545 |
| Illinois | $1,572 | $2,446 | $2,839 |
| Indiana | $1,706 | $2,581 | $2,810 |
| Iowa | $1,336 | $1,813 | $2,120 |
| Kansas | $1,738 | $2,506 | $2,981 |
| Kentucky | $2,569 | $3,696 | $4,374 |
| Louisiana | $3,288 | $4,932 | $5,309 |
| Maine | $1,182 | $1,687 | $2,497 |
| Maryland | $2,039 | $2,913 | $3,208 |
| Massachusetts | $1,601 | $2,745 | $1,619 |
| Michigan | $3,821 | $5,925 | $9,298 |
| Minnesota | $1,613 | $2,153 | $2,932 |
| Mississippi | $1,930 | $2,745 | $2,794 |
| Missouri | $1,855 | $2,609 | $3,384 |
| Montana | $1,822 | $2,527 | $3,026 |
| Nebraska | $1,508 | $2,330 | $2,497 |
| Nevada | $2,527 | $3,814 | $4,060 |
| New Hampshire | $1,801 | $2,818 | $3,570 |
| New Jersey | $1,966 | $3,122 | $4,076 |
| New Mexico | $2,036 | $3,012 | $3,137 |
| New York | $1,864 | $2,309 | $3,909 |
| North Carolina | $1,157 | $1,927 | $1,359 |
| North Dakota | $1,595 | $2,424 | $2,801 |
| Ohio | $1,368 | $2,170 | $2,176 |
| Oklahoma | $2,278 | $3,162 | $3,650 |
| Oregon | $1,993 | $2,695 | $3,275 |
| Pennsylvania | $1,765 | $2,524 | $2,928 |
| Rhode Island | $2,834 | $4,208 | $4,759 |
| South Carolina | $1,997 | $2,670 | $3,733 |
| South Dakota | $1,732 | $2,471 | $2,868 |
| Tennessee | $2,038 | $3,076 | $4,009 |
| Texas | $2,117 | $2,997 | $3,676 |
| Utah | $1,790 | $2,492 | $3,416 |
| Vermont | $1,339 | $2,045 | $2,179 |
| Virginia | $1,246 | $1,918 | $1,951 |
| Washington | $1,710 | $2,314 | $2,751 |
| West Virginia | $1,734 | $2,401 | $3,043 |
| Wisconsin | $1,730 | $2,603 | $3,045 |
| Wyoming | $1,576 | $2,239 | $2,311 |
Find Affordable Honda HR-V Insurance Rates
Cheapest Car Insurance Companies For A Honda HR-V
If you’re looking to purchase a new car insurance policy for your Honda HR-V, then you might want to know who the cheapest insurance companies are.
For drivers solely looking for the most affordable policy, Ohio Mutual offer a $26 per month premium, making them the cheapest provider for a Honda HR-V. However, rates can fluctuate based on your driver profile, so this rate is just an average. In order to find the affordable rates for your profile, the best thing to do is shop around and compare quotes.
| Company | Average Monthly Rate |
| NationalGeneral | $39 |
| MetroMile | $33 |
| Fiesta | $35 |
| CaliforniaCasualty | $29 |
| Ohio Mutual | $26 |
Common Honda HR-V Insurance Discounts
Discounts can be a great way to reduce your car insurance costs. Here are some common ones to look out for:
- Multi-policy discount: If you bundle your auto insurance with another policy, like home or renters insurance, you can often qualify for a discount.
- Paying annually: Insurance companies sometimes offer discounts to customers who pay their premium in full for the year rather than monthly.
- Defensive driving course: Completing a defensive driving course can demonstrate that you’re a responsible driver, and many insurers offer discounts for this.
In addition to these, insurance companies may offer discounts based on factors like vehicle safety features, low mileage, or your driving history. It’s always a good idea to ask your insurance agent about any discounts you might be eligible for, as these can vary by company and location.
Ways To Save On Honda HR-V Insurance Costs
Maintaining a clean driving record is essential for keeping your car insurance costs low. Drivers with violations or accidents generally face higher premiums.
For instance, Honda HR-V drivers with a speeding ticket may pay an average of $63 per month, while those with multiple accidents might see an increase to about $130 per month. By avoiding traffic violations and accidents, you can prevent premium hikes.
Additionally, mileage plays a significant role in determining premiums. Drivers who cover 5,001-7,500 miles annually can expect to pay around $80 per month, while those exceeding 10,000 miles annually will typically pay $84 per month.
Staying within these ranges and maintaining a safe driving record can help you save on your Honda HR-V insurance.
Compare Honda HR-V To Other Honda Models
Looking for other Honda model insurance costs?
Our Methodology
To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top auto insurance companies. The example used was a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the numbers in this guide may vary from your personal experience.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Honda HR-V?
Yes, you’ll need to show proof of insurance before driving your Honda HR-V off the dealership lot. It’s a good idea to buy a policy ahead of time and notify your insurance provider that you’re purchasing the car. This way, your coverage will be ready to go as soon as you drive the car home, without relying on dealership insurance, which might not be as tailored to your needs or could be more expensive.
How Can You Get The Cheapest Insurance For Your Honda HR-V?
The most effective way to find the lowest rates for your Honda HR-V is by comparing quotes from different insurance companies. Luckily, Insuranceopedia makes it easy to compare quotes from various providers, all in one place on our website. This allows you to find the best deal that suits your needs and budget.
