Honda HR-V Car Insurance Cost
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Written by
Gianetta Palmer
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Reviewed by
Joel Ohman
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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
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Average full coverage auto insurance premium: $75/month
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Most affordable companies: GEICO ($45/month) & Progressive ($49/month)
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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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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Below average Honda HR-V insurer costs by state:
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Kentucky car insurance – $914 per year
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New York car insurance – $1,108 per year
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South Carolina car insurance – $1,014 per year
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Georgia – $988 per year
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Arizona – $723 per year
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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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 Companies | Average 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