2023 Honda HR-V Car Insurance Calculator

Find out how changes to different risk factors impact the insurance cost for a 2023 Honda HR-V. Update factors like vehicle usage, gender of the driver, and marital status to learn how rates change. See instantly if rates increase or decrease with changes you make.

The average estimated car insurance premium for a 2023 Honda HR-V is $1,886 per year, or about $157 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,886

Cost Per Month

$157

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Honda HR-V Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2023 Honda HR-V.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,886
Average Rate
Your Rate
$1,886

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2023 Honda HR-V trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2023 Honda HR-V is $1,886.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2023 Honda HR-V vs. the Small SUV Segment

The table below compares insurance rates for the 2023 Honda HR-V against all other models in the small SUV segment. The Honda HR-V is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Honda HR-V, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Honda HR-V.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2023 Honda HR-V Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Trailblazer$1,722-$164
2Subaru Crosstrek$1,740-$146
3Nissan Kicks$1,744-$142
4Nissan Rogue Sport$1,776-$110
5Mazda CX-5$1,794-$92
6Buick Encore$1,814-$72
7Buick Envision$1,822-$64
8Kia Seltos$1,844-$42
9Hyundai Venue$1,854-$32
10Honda HR-V$1,886--
11Hyundai Kona$1,910$24
12Subaru Forester$1,926$40
13Honda CR-V$1,932$46
14Mazda CX-30$1,936$50
15Chevrolet Trax$1,950$64
16Volkswagen Tiguan$1,978$92
17Ford Bronco Sport$1,984$98
18Fiat 500X$2,018$132
19Kia Soul$2,022$136
20GMC Terrain$2,024$138
21Mitsubishi Eclipse Cross$2,034$148
22Chevrolet Equinox$2,048$162
23Toyota Corolla Cross$2,056$170
24Volkswagen Taos$2,062$176
25Mazda CX-50$2,064$178
2023 Small SUV Average$2,073$187
26Hyundai Tucson$2,082$196
27Ford Escape$2,086$200
28Nissan Rogue$2,094$208
29Kia Niro$2,110$224
30Toyota RAV4$2,112$226
31Mazda MX-30$2,116$230
32Mini Cooper$2,126$240
33Jeep Compass$2,130$244
34Mini Cooper Clubman$2,162$276
35Jeep Renegade$2,192$306
36Chevrolet Bolt$2,206$320
37Toyota bz4X$2,216$330
38Hyundai Ioniq 5$2,260$374
39Kia Sportage$2,270$384
40Mini Cooper Countryman$2,338$452
41Mitsubishi Mirage$2,340$454
42Mitsubishi Outlander$2,352$466
43Volkswagen ID4$2,366$480
44Kia EV6$2,416$530
45Dodge Hornet$2,418$532
46Hyundai Nexo$2,508$622
47Ford Mustang Mach-E$2,576$690

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2023 HR-V Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 Honda HR-V.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2023 Honda HR-V Insurance Rates by Trim Level
2023 Honda HR-V Trim Level Annual Premium Cost Per Month
LX$1,820$152
LX AWD$1,860$155
Sport$1,874$156
Sport AWD$1,904$159
EX-L$1,918$160
EX-L AWD$1,946$162

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2023 Honda HR-V for different driver ages.

2023 Honda HR-V Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,844$570
17$6,536$545
18$5,686$474
19$5,257$438
20$3,995$333
21$3,813$318
22$3,394$283
23$2,866$239
24$2,683$224
25$2,176$181
30$1,994$166
35$1,944$162
40$1,886$157
45$1,778$148
50$1,692$141
55$1,576$131
60$1,580$132
65$1,674$140
70$1,840$153
75$2,200$183
80$2,702$225

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Honda HR-V trim levels.