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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The Honda HR-V is an affordable subcompact SUV with a versatile interior and a wide range of advanced safety features. If you own or are in the market for an HR-V, expect to pay around $146 per month for coverage, according to Compare.com data.
Honda HR-V insurance rates fall just below the national average. The 2025 model earned strong safety ratings from the Insurance Institute for Highway Safety, which may be why its rates are more affordable.[1]
Here’s what you need to know about Honda HR-V car insurance, including how to find the best rates on a policy.
Auto insurance premiums for the Honda HR-V average $103 per month for minimum coverage and $189 per month for full coverage.
GEICO, Travelers, and Nationwide are three of the best car insurance companies for Honda HR-V drivers.
You’ll likely pay more to insure the base LX trim than the top-tier EX-L trim.
The average cost to insure a Honda HR-V will depend on the type of auto policy you choose. A liability-only policy is the cheapest policy available and only covers damages and injuries you cause to other drivers. You can expect to pay higher rates for a full-coverage policy since it covers you and others from a variety of incidents, including car accidents, natural disasters, theft, vandalism, and more.
Below, we compare the average monthly premiums for liability and full coverage for the Honda HR-V and the national average for all vehicles.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Honda HR-V | $103 | $189 | $146 |
| All vehicles | $108 | $193 | $150 |
HR-V drivers pay an average of $103 per month for liability insurance and $189 per month for full coverage. But you should keep in mind that these are just averages. Your exact car insurance premiums will vary based on different factors, which we’ll explore further below.
Average insurance rates don’t always matter. Your rates can look different because of your unique driver profile, and you can find ways to save on your coverage.
Let’s take a look at which insurance companies offer the cheapest car insurance for HR-Vs. Consider getting quotes from the insurers in the table below.
Company | Average Monthly Premium |
|---|---|
| Travelers | $67 |
| Mile Auto | $71 |
| Certainly | $83 |
| Clearcover | $87 |
| Root | $95 |
Travelers offers the cheapest insurance policy rates for HR-V owners, at $67 per month. Though our data shows that these companies offer the most affordable coverage for HR-Vs, your unique situation will determine the cheapest insurance option.
That’s why it’s a good idea to shop around and compare quotes to find the best deal.
Keep reading to learn how much auto policies may cost for different types of HR-V drivers.
Comparing personalized quotes is the only way to find the best coverage.
When it comes to car insurance, no company will fit every driver. The best insurer for your Honda HR-V will depend on your unique budget, needs, and preferences. Below, we highlight three insurance companies for Honda HR-V owners on a budget, young drivers, and low-mileage drivers.
We chose each based on a combination of average rates, coverage options, customer ratings and reviews, and available insurance discounts.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers some of the cheapest car insurance rates for Honda HR-V drivers. Not only are its policies affordable, but GEICO also has a long list of discounts to further your savings. GEICO’s discounts include the clean driving record discount, good student discount, and federal employee discount.
Unfortunately, the insurer doesn’t offer gap coverage, and its claims satisfaction is lacking.[2]
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Teen HR-V drivers can find more affordable car insurance coverage through Travelers. The insurance company also offers several teen-specific discounts, such as the good student discount, driver training discount, and student away at school discount.
Plus, teens driving for rideshare or food delivery companies like Uber or DoorDash may secure limited ridesharing coverage.
Gap insurance available
Accident forgiveness available
Savings of up to 30% with IntelliDrive
Low claims satisfaction
Below-average customer satisfaction ratings[5]
Not available everywhere
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 641 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $174/mo |
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Drivers appreciate the available discounts but dislike the high prices and lack of communication.
Nationwide offers competitive rates for low-mileage drivers. For example, it may be a good option for HR-V owners who are retired or work remotely. The company’s SmartMiles pay-per-mile program can save you up to 40% on your auto policy. Your monthly premium will change based on how many miles you drive.
Also, if you sign up for SmartRide, Nationwide’s telematics program, you can save even more money by driving safely.
Roadside assistance available
Usage-based programs available
Local agents for personalized service
SmartMiles isn’t available in every state
Fewer discounts than other insurers
Not available in some states
Comparing quotes can save you up to $867.†
The age of your Honda HR-V can affect what you pay for car insurance coverage. Generally, the more your vehicle is worth, the more it will cost to insure it. As such, new HR-Vs usually come with higher car insurance rates.
The table below highlights different HR-V model years and the average auto insurance premium for each, according to Compare.com data.
HR-V Model Year | Average Monthly Premium |
|---|---|
| 2025 | $178 |
| 2024 | $165 |
| 2023 | $167 |
| 2022 | $150 |
| 2021 | $140 |
| 2020 | $135 |
| 2019 | $132 |
| 2018 | $127 |
| 2017 | $134 |
| 2016 | $126 |
The model year is just one factor affecting your insurance costs. Your state and ZIP code will also influence your premiums for your HR-V.
Car insurance costs vary by state. If you live in an area with many uninsured drivers or frequent natural disasters, for example, you can expect to pay more for an auto insurance policy. You might also face higher premiums in an urban area with a larger population and high car accident rates.
Here’s a look at the average cost of auto insurance for HR-V drivers by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $86 |
| Arizona | $115 |
| Arkansas | $165 |
| California | $166 |
| Colorado | $135 |
| Connecticut | $262 |
| Delaware | $160 |
| Florida | $168 |
| Georgia | $171 |
| Idaho | $87 |
| Illinois | $107 |
| Indiana | $93 |
| Iowa | $78 |
| Kansas | $106 |
| Kentucky | $168 |
| Louisiana | $155 |
| Maine | $102 |
| Maryland | $237 |
| Massachusetts | $130 |
| Michigan | $202 |
| Minnesota | $130 |
| Mississippi | $130 |
| Missouri | $126 |
| Montana | $105 |
| Nebraska | $121 |
| Nevada | $205 |
| New Hampshire | $79 |
| New Jersey | $137 |
| New Mexico | $100 |
| New York | $331 |
| North Carolina | $64 |
| North Dakota | $100 |
| Ohio | $88 |
| Oklahoma | $112 |
| Oregon | $111 |
| Pennsylvania | $113 |
| Rhode Island | $99 |
| South Carolina | $189 |
| South Dakota | $83 |
| Tennessee | $97 |
| Texas | $153 |
| Utah | $125 |
| Vermont | $94 |
| Virginia | $125 |
| Washington | $96 |
| District of Columbia | $196 |
| West Virginia | $100 |
| Wisconsin | $88 |
| Wyoming | $83 |
Your ZIP code and location help determine your car insurance rates as an HR-V owner, but insurers will also consider your age.
Car insurance companies consider your age when calculating your HR-V premium. That’s because there’s a direct link between driving experience and car accidents. For example, teens typically spend the most on car insurance because they’re statistically more likely to get into a car accident.[6] But as you gain more experience behind the wheel, your rate will likely decline.
Let’s take a look at auto insurance premiums for each age group, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $275 |
| Adults | $134 |
| Seniors | $112 |
Teens with a Honda HR-V pay an average monthly premium of $275 per month, but this drops drastically in your 20s. Your rates will continue to decline each year and increase again around age 70.[7]
Your driving history also has a major effect on your car insurance costs. When you have serious traffic violations on your record, like speeding, at-fault accidents, or driving under the influence (DUI), insurance companies see you as a high-risk driver.
Here’s a look at the average monthly insurance premiums for HR-V owners with different driving histories, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $146 |
| Speeding ticket | $203 |
| At-fault accident | $211 |
| DUI | $240 |
A clean driving record will get you the best rates overall. Honda H-RV drivers with a clean record pay $94 less per month than drivers with a DUI.
Now, let’s see how different features can affect your car insurance costs.
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The features in your Honda HR-V can affect your car insurance premiums. That’s because they play a role in your SUV’s safety, theft risk, and repair costs. Some trim levels increase the value of your car and are more expensive to repair or replace, resulting in higher insurance costs.
For instance, the entry-level LX trim may be cheaper to insure. But if you choose the higher-level EX-L trim, you may pay more for your car insurance due to luxury features like a moonroof, dual-zone automatic climate control system, and leather seats.
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Average rates aside, there are ways to lower your auto insurance premiums. Here are some tips to help you lock in cheaper car insurance for your HR-V:
Buy a lower-level trim. You’ll likely pay less for coverage if you go with the base LX or middle-of-the-road Sport trim. The top-of-the-line EX-L may cost more to insure due to its luxury features.
Look for discounts. Most insurance companies offer discounts to help you save money. A few examples of the most common discounts include the multi-vehicle discount, good student discount, and defensive driving discount.
Choose a higher deductible. One way your lower your premiums is to choose higher deductibles. But if you go this route, make sure you have the cash to cover higher out-of-pocket expenses after a claim.
Shop around. Do your research, and get regular car insurance quotes from at least three different companies. Then, compare rates, coverage levels, discounts, and more to find the right policy for your HR-V.
Get personalized quotes for your Honda HR-V.
Here are answers to common questions drivers have about car insurance policies for the Honda HR-V.
No. Honda HR-V car insurance costs an average of $146 per month, which is slightly lower than the average of $150 for all vehicles, according to Compare.com data. Keep in mind that many factors, such as your driving history, coverage choices, and where you live, play a role in how much you’ll pay.
Our data shows that Travelers is the cheapest car insurer for a Honda HR-V. On average, drivers pay just $67 per month. But that doesn’t mean Travelers will be your cheapest option. You should always shop around and compare quotes to find the best coverage and rate for your unique situation.
Car insurance for the 2025 Honda HR-V averages $178 per month, according to our data. But your exact rate will depend on factors like your ZIP code, age, driving record, and credit history.
The Honda Odyssey is the cheapest model to insure, with average monthly premiums around $116, according to our research.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.
Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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