Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used HR-V? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year up to 2021 and have compiled the results for you below.

Honda HR-V facts

  • Average full coverage auto insurance premium: $75/month

  • Most affordable companies: GEICO ($45/month) & Progressive ($49/month)

  • HR-V insurance cost vs. average rate: $96 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Honda HR-V by model year and insurer.

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Below average Honda HR-V insurer costs by state:

Factors affecting Honda HR-V rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, and other risk factors are also important components of your rate.

Honda HR-V’s are well-known for having exceptional resale value, which typically would result in high rates for even older vehicles. Still, Hondas actually do have some factors helping to mitigate that impact. For example, Hondas has been obtaining excellent safety ratings for decades, with the Honda HR-V named the Top Safety Pick by the Insurance Institute for Highway Safety.

Other Honda risk factors to consider

Another important factor for lower than average rates is Honda is one of the top-selling auto brands in the US, second only to Toyota. This helps in many ways, as the abundance of the same kind of vehicle helps companies obtain more data to do the underwriting more accurately. Also, it lowers repair costs since there are many replacement parts available for these cars and most mechanics are familiar with working on these vehicles.

One of the best ways to estimate whether the car you are considering will have high or low rates is to evaluate what the car is being used for by most people. In the case of a Honda, more than likely, it is being used by families to commute and provide general transportation. Honda does have a few more sport-like vehicles like the NSX, but the main target market is families by and large. This means that most drivers take care of their vehicles and drive them in a careful, conservative manner. In contrast, Subarus tend to have high rates because some of their more popular models are intended for the sports market they expect to drive them aggressively. In summary, it is hard to go wrong with a Honda as a vehicle, which is why Americans have continued to support the brand providing a very active resale market for even 30-year-old vehicles.

2021 Honda HR-V

Cheapest Insurance CompaniesAverage Annual Cost
American Family$1134
Amica$1309
Direct Auto$1348
Erie$846
Esurance$1159
Farmers$1295
GEICO$985
Kentucky Farm Bureau$1242
Liberty Mutual$1054
MetLife$1425
Nationwide$896
Progressive$823
State Farm$1038
Travelers$1214

Compare all 2021 Honda HR-V rates

Average Cost to Insure Per Year

$1115

List Price

$21999

Trims Available

LX - EX - EX-L w/Navi and Honda Sensing Safety & Driver-Assistive Technologies & Safety Features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2020 Honda HR-V

Cheapest Insurance CompaniesAverage Annual Cost
American Family$1005
Amica$1250
Direct Auto$1264
Erie$780
Esurance$1067
Farmers$1151
GEICO$863
Kentucky Farm Bureau$1128
Liberty Mutual$928
Nationwide$842
Progressive$768
State Farm$916
Travelers$1101

Compare all 2020 Honda HR-V rates

Average Cost to Insure Per Year

$1044

List Price

$21699

Trims Available

LX - EX - EX-L w/Navi and Honda Sensing Safety & Driver-Assistive Technologies & Safety Features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2019 Honda HR-V

Cheapest Insurance CompaniesAverage Annual Cost
American Family$980
Amica$1247
Direct Auto$1250
Erie$748
Esurance$1053
Farmers$1137
GEICO$824
Kentucky Farm Bureau$1121
Liberty Mutual$916
Nationwide$813
Progressive$729
State Farm$913
Travelers$1068

Compare all 2019 Honda HR-V rates

Average Cost to Insure Per Year

$1015

List Price

$21515

Trims Available

LX - EX - EX-L w/Navi and Honda Sensing Safety & Driver-Assistive Technologies & Safety Features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2018 Honda HR-V

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1080
Acuity$ 1080
Allied$ 986
Allied$ 986
American Family$ 1048
American Family$ 1048
Erie$ 700
Erie$ 700
GEICO$ 686
GEICO$ 686
Nationwide$ 937
Nationwide$ 937
Plymouth Rock Insurance$ 1013
Plymouth Rock Insurance$ 1013
Progressive$ 756
Progressive$ 756
State Farm$ 865
State Farm$ 865
Tennessee Farmers$ 858
Tennessee Farmers$ 858
USAA$ 771
USAA$ 771
Vermont Mutual$ 953
Vermont Mutual$ 953

Compare all 2018 Honda HR-V rates

Average Cost to Insure Per Year

$1004

List Price

$19670

Trims Available

LX - EX - EX-L w/Navi and Honda Sensing Safety & Driver-Assistive Technologies & Safety Features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2017 Honda HR-V

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1004
Allied$ 1004
American Family$ 1050
American Family$ 1050
Erie$ 685
Erie$ 685
GEICO$ 539
GEICO$ 539
Nationwide$ 956
Nationwide$ 956
Plymouth Rock Insurance$ 988
Plymouth Rock Insurance$ 988
Progressive$ 767
Progressive$ 767
State Farm$ 823
State Farm$ 823
Tennessee Farmers$ 858
Tennessee Farmers$ 858
Texas Farm Bureau$ 794
Texas Farm Bureau$ 794
USAA$ 766
USAA$ 766
Vermont Mutual$ 921
Vermont Mutual$ 921

Compare all 2017 Honda HR-V rates

Average Cost to Insure Per Year

$925

List Price

$19465

Trims Available

LX - EX - EX-L w/Navi and Honda Sensing Safety & Driver-Assistive Technologies & Safety Features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System

2016 Honda HR-V

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1034
Allied$ 1034
American Family$ 1040
American Family$ 1040
Erie$ 712
Erie$ 712
GEICO$ 705
GEICO$ 705
Nationwide$ 1034
Nationwide$ 1034
Plymouth Rock Insurance$ 966
Plymouth Rock Insurance$ 966
Progressive$ 891
Progressive$ 891
State Farm$ 999
State Farm$ 999
Tennessee Farmers$ 849
Tennessee Farmers$ 849
Texas Farm Bureau$ 810
Texas Farm Bureau$ 810
USAA$ 848
USAA$ 848
Vermont Mutual$ 899
Vermont Mutual$ 899

Compare all 2016 Honda HR-V rates

Average Cost to Insure Per Year

$998

List Price

$19465

Trims Available

LX - EX - EX-L w/Navi and Honda Sensing Safety & Driver-Assistive Technologies & Safety Features - Collision Mitigation Braking System, Road Departure Mitigation System, Adaptive Cruise Control with Low-Speed Follow, Lane Keeping Assist System, Forward Collision Warning, Lane Departure Warning, and Traffic Sign Recognition System