Honda HR-V Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Honda HR-V costs about the same as most other SUVs to insure.

• Full coverage insurance for a HR-V tends to be about $150 a month, on average, while liability only insurance generally runs around $82.

• The most affordable auto insurance carrier for a HR-V is NationalGeneral, who offers liability only coverage for sometimes as cheap as $38 per month, on average.

HR-V Overview

With 2022 models starting at $21,420, the Honda HR-V is a great car for drivers on a budget. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when you consider your future car insurance prices.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Honda HR-V car insurance rates average out to about $146 monthly. But how does that stack up to other similar SUVs out there on the market?

How Much is Car Insurance for a Honda HR-V?

Looking at the table above, you'll find that compared to other vehicles, Honda HR-V insurance premiums are cheaper than average. HR-V drivers normally pay around $150 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $82 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Compared to other models, the HR-V is slightly more affordable, with prices about 10% lower than other vehicles in Honda's lineup. But compared to other vehicles of a similar body style, HR-V coverage runs close to average, with full coverage insurance rates $2 cheaper than other SUVs and liability insurance premiums coming in at $1 higher.

Compared to all vehicles of any body type, full coverage prices are more affordable for a HR-V, but run slightly higher than average for liability only policies.

Who has the Cheapest Car Insurance for a Honda HR-V?

In the market for a car insurance policy for your Honda HR-V? You may be most interested in which company offers the lowest premiums. While there will never be one carrier that offers the cheapest premiums for everyone, the lowest average rates for liability only insurance are as low as $27 monthly from Ohio Mutual. The runner up for most affordable rates is CaliforniaCasualty, with auto insurance policies starting as little as $28 per month.

Rounding out the list are Fiesta, MetroMile, and NationalGeneral. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Car insurance companies use a wide array of variables and complex formulas to calculate rates. By checking quotes from a multitude of insurance carriers at once, you can rest easy knowing that you're finding the cheapest rate.

What Factors Affect Car Insurance Rates for a Honda HR-V?

There are multiple attributes that car insurance companies consider to determine how much they charge for a policy -- and every company uses a different method, so there's not one carrier that's the lowest for each driver.

Below are just a few of the things auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Honda HR-V has been around for a few years, so vehicle age may make a difference in your car insurance premium. Usually, it costs more to insure newer cars because they're worth more, however, as time goes on and HR-Vs begin to depreciate, insurance costs will gradually decrease.

According to the table above, the Honda HR-V bucks the trend, as the cheapest models to insure are those that are 2 to 3 years old, while the most expensive models are 4 to 5 years old, on average.

Your Age

Age plays a significant role in how much you pay for auto insurance. As you can see in the table above, those who have more experience on the road pay less for insurance than drivers under 18. Honda HR-V drivers who are 18 to 24 actually pay $46 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with the cheapest age group for HR-V drivers being 65 years and older.

Your Gender

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, women typically pay less for car insurance than men. When it comes to HR-V drivers specifically, men pay around $91 a month for auto insurance, while women pay about $75.

Where You Live

It may seem like common sense that factors like what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live matters, too? Insurance is regulated at the state level, so prices change quite a bit depending on which state you call home.

For example, the average Honda HR-V owner from New York pays around $196 per month for liability coverage. Meanwhile, on average, the same driver from California will pay less than a third of that price. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

Honda HR-V Car Insurance Discounts

No matter your home state, your car, or your age, using as many discounts as possible when it comes to your auto insurance policy is always important.

While no two car insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments
• Multi-car discounts for having more than one vehicle on your auto policy

These are just a few of the discounts insurance companies offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

Although you can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), there is quite bit in your control. Below are just a few of the ones you can use to your favor in order to save on car insurance:

Your Driving Record

You've most likely noticed ads from insurance carriers offering big discounts for safe drivers. It checks out that your car insurance premiums will go higher if you get into a collision or get a speeding ticket. But how much will they cost you?

As you can see from the table above, accidents will usually cost HR-V drivers more than tickets, but both will cause a significant increase in rates. Honda HR-V drivers with one accident on their record pay an average of $107 per month (up $25 from the $82/mo. overall average), while drivers with a single ticket will pay about $62 a month. The rates only get higher the more tickets you get or collisions you have.

How Much You Drive

The amount of miles you drive each year plays a role in your insurance rates. Those who drive less often are less likely to get tickets, so they'll usually end up spending less on auto insurance. Based on the table above, you can see that Honda HR-V owners who drive fewer than 2,500 miles each year pay about $78 monthly for insurance, while those who put 10,000 miles or more on their cars pay $82.

But if you're one of those drivers who don't put very many miles on your Honda HR-V each year, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Honda HR-Vs Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Honda HR-V is on your shortlist, it can pay off to do your research. Car insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Visit the table below to see how the Honda HR-V compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Honda HR-V is a fantastic value when it comes to price. The HR-V starts at $21,420, which is much cheaper than the national average vehicle price of $41,045.

Similarly, car insurance prices are slightly lower when compared to other vehicles on the market. Full coverage insurance for a Honda HR-V is about $5 a month cheaper than average, while liability only coverage is $19 cheaper per month.

When it comes to usage, Honda HR-V drivers are much lower than the national average in annual miles driven, with 10,476 miles a year compared to 11,673 for all vehicles.

Honda HR-V Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays for insurance. But if you're considering buying a new HR-V, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your options.

So we've decided to break down Honda HR-V auto insurance premiums by model year. Simply choose a specific HR-V model year in the dropdown below and see average rates for both liability only and full coverage. You'll also find some other helpful info, like cheapest insurance carrier available trims for each year the HR-V has been around.

2022 Honda HR-V Car Insurance

On average, drivers who own a 2022 HR-V can expect to pay $62 to $164 a month for liability only and full coverage car insurance, respectively.

With rates as cheap as $58 monthly, DirectGeneral offered the cheapest policy we found for the 2022 Honda HR-V.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

2021 Honda HR-V Car Insurance

You can expect full coverage for a 2021 Honda HR-V to run around $160 a month, while liability only coverage will average about $63 per month.

Hugo offered the lowest policy we found, with rates as cheap as just $20 monthly.

If you want to know exactly how much you can expect to pay for your HR-V, get free quotes in minutes by just entering your ZIP code below.

2020 Honda HR-V Car Insurance

It costs around $99 a month for liability or $184 for a full coverage policy for the 2020 HR-V.

We found DirectGeneral offered the most affordable policy, with rates as low as just $20 per month.

Want something more accurate than national averages? Enter your ZIP code below to get lots of free customized quotes.

2019 Honda HR-V Car Insurance

The average cost to insure a 2019 Honda HR-V with liability only coverage is $90 monthly, while full coverage runs about $157 per month.

Looking for the cheapest policy? DirectGeneral offered liability only coverage for sometimes as low as $22 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2018 Honda HR-V Car Insurance

2018 HR-V drivers can expect to pay an average of $82 a month for liability or $156 for full coverage.

DirectGeneral has prices sometimes as little as $20 monthly for the 2018 Honda HR-V.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2017 Honda HR-V Car Insurance

The average cost to insure a 2017 Honda HR-V with liability only coverage is $89 a month, while full coverage runs around $156 per month.

If you're looking for the cheapest possible 2017 Honda HR-V insurance policy, Gainsco offered the lowest policy we found, with rates as little as just $23 monthly.

Want something more accurate than nationwide averages? Just enter your ZIP code below to get several personalized quotes for free.

2016 Honda HR-V Car Insurance

It costs about $79 a month for liability or $139 for a full coverage policy for the 2016 HR-V.

With rates sometimes as cheap as $21 per month, MetLife offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

Honda HR-V Insurance FAQs

Is a Honda HR-V expensive to insure?

Liability insurance runs an average of $82 monthly, while full coverage will cost you around $150. The cost of insurance for the Honda HR-V is about on par with the average SUV.

How can I get the best price on car insurance for my Honda HR-V?

There's only one way to ensure you're getting the lowest rates -- checking prices regularly and comparing quotes from a lot of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Honda HR-V affect my insurance prices?

You might have heard the old adage that it costs more to insure a red car, but that's actually a myth. There are a range of things auto insurance companies think about when they calculate how much your policy will be, but your car's color is not factored into that equation.

Do I need to have insurance before I buy a Honda HR-V?

Before you can legally drive your new (or new to you) HR-V off the dealership lot, you'll need to have an insurance policy in place. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Honda HR-V?

There are a variety of discounts out there when it comes to insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your HR-V has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance carrier and ask about which discounts they offer.