Honda HR-V Car Insurance Rates for 2022

How much does Honda HR-V car insurance cost? We analyzed rates from the base level LX model up to the high-end Touring AWD to see how prices ranked against the entire compact SUV segment.

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  • Honda HR-V insurance costs $1,370 per year for a full coverage policy, depending on the trim level.
  • The HR-V LX trim level is the cheapest to insure at around $1,320 per year, or $110 per month. The model with the most expensive insurance is the EX-L at $1,414 per year, or around $118 per month.
  • The Honda HR-V ranks #17 out of 46 vehicles in the 2022 compact SUV class for overall car insurance affordability.

How much does Honda HR-V insurance cost?

Honda HR-V insurance rates average $1,370 a year, or $114 if paid each month. On average, expect to pay approximately $56 less per year for Honda HR-V insurance when compared to the average rate for all small SUVs, and $197 less per year than the $1,567 national average for all vehicles.

The following chart demonstrates how the average cost of Honda HR-V insurance changes based on the age of the driver and different policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Honda HR-V with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda HR-V trim levels.Data last updated on November 28, 2022
Honda HR-V Car Insurance Cost Summary
Honda HR-V Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,352$196
$500$2,690$224
$250$3,042$254
30$1,000$1,228$102
$500$1,424$119
$250$1,626$136
40$1,000$1,192$99
$500$1,370$114
$250$1,556$130
50$1,000$1,088$91
$500$1,248$104
$250$1,414$118
60$1,000$1,066$89
$500$1,224$102
$250$1,386$116

Which HR-V trim level is cheapest to insure?

The HR-V with the cheapest insurance rates is the base LX trim (MSRP of $21,870) costing an average of $1,320 per year, or about $110 per month.

The $26,670 EX-L trim is the most expensive to insure, costing an average of $94 more per year than the cheapest model.

The rate table below details average yearly and semi-annual policy costs, in addition to a monthly amount, for each Honda HR-V trim level.

2022 Honda HR-V Insurance Cost by Trim Level
Honda HR-V Trim Level Annual Policy 6-month Policy Per Month
LX$1,320$660$110
Sport$1,368$684$114
EX$1,378$689$115
EX-L$1,414$707$118

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda HR-V, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 28, 2022
Honda HR-V Insurance Cost by Trim Level

Is Honda HR-V insurance cheap?

The Honda HR-V ranks #17 out of 46 total vehicles in the small SUV class. The HR-V costs an average of $1,370 per year to insure and the segment average cost is $1,426 annually, so the HR-V costs $56 less per year for insurance than the average small SUV.

When compared to the best-selling models in the small SUV category, insurance for a Honda HR-V costs $70 less per year than the Toyota RAV4, $34 more than the Honda CR-V, $54 less than the Chevrolet Equinox, and $122 less than the Nissan Rogue.

The table below shows how Honda HRV insurance cost compares to all 46 models in the 2022 compact SUV segment.

Insurance Cost Comparison: Honda HR-V vs Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,158-$212
2Nissan Kicks$1,190-$180
3Chevrolet Trailblazer$1,196-$174
4Subaru Crosstrek$1,224-$146
5Toyota C-HR$1,254-$116
6Buick Encore$1,260-$110
7Nissan Rogue Sport$1,272-$98
8Hyundai Venue$1,294-$76
9Buick Envision$1,298-$72
10Kia Seltos$1,300-$70
11Toyota Corolla Cross$1,310-$60
12Hyundai Kona$1,318-$52
13Subaru Forester$1,320-$50
14Volkswagen Tiguan$1,324-$46
15Honda CR-V$1,336-$34
16Mazda CX-30$1,350-$20
17Honda HR-V$1,370--
18Ford Ecosport$1,380$10
19Chevrolet Trax$1,398$28
20GMC Terrain$1,404$34
21Mitsubishi Eclipse Cross$1,408$38
22Hyundai Tucson$1,416$46
23Chevrolet Bolt$1,420$50
24Chevrolet Equinox$1,424$54
25Volkswagen Taos$1,428$58
26Fiat 500X$1,434$64
27Toyota RAV4$1,440$70
28Kia Soul$1,442$72
29Mazda MX-30$1,472$102
30Jeep Compass$1,478$108
31Kia Niro$1,480$110
32Nissan Rogue$1,492$122
33Ford Escape$1,498$128
34Hyundai Ioniq 5$1,514$144
35Mini Cooper Clubman$1,516$146
36Jeep Renegade$1,518$148
37Kia Sportage$1,524$154
38Ford Bronco$1,532$162
39Volkswagen ID4$1,554$184
40Mini Cooper$1,564$194
41Mini Cooper Countryman$1,582$212
42Mitsubishi Outlander$1,640$270
43Mitsubishi Mirage$1,658$288
44Ford Mustang Mach-E$1,726$356
45Hyundai Nexo$1,744$374
46Jeep Wrangler$1,746$376

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 28, 2022
Insurance Cost Comparison: Honda HR-V vs Small SUVs

Will an older model cost less to insure?

Opting for a 2016 HR-V in place of a more expensive 2022 model year will save around $268 each year. Even an almost new 2019 model could save you $164 annually.

The data table below illustrates average estimated insurance rate data for a Honda HR-V for different drivers and HR-V model years. Average policy cost ranges from the cheapest cost of $990 for a 60-year-old driver rated on a 2016 Honda HR-V to the most expensive rate of $2,690 for a 20-year-old with a 2022 model.

Honda HR-V Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2022 Honda HR-V$2,690$1,370$1,224
2021 Honda HR-V$2,546$1,296$1,156
2020 Honda HR-V$2,508$1,272$1,136
2019 Honda HR-V$2,376$1,206$1,078
2018 Honda HR-V$2,280$1,160$1,038
2017 Honda HR-V$2,220$1,126$1,008
2016 Honda HR-V$2,184$1,102$990

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 28, 2022
Honda HR-V Insurance Cost by Model Year

Eventually, as the vehicle ages it makes financial sense to drop comprehensive and/or collision coverage from the policy. As a Honda HR-V drops in value over time, the sticker price of physical damage insurance starts to outweigh any benefits.

Removing full coverage on an older Honda HR-V could save around $580 a year, depending on where the physical damage deductibles were set and the driver age. Since the initial year for the HR-V is the 2016 model, there is probably not enough depreciation even on the oldest model year to justify removing full coverage.

Will my location affect insurance cost?

Depending on the city you live in, insurance cost for a Honda HR-V can vary from cheaper rates like $978 a year in Charlotte, NC, or $852 in Raleigh, NC, to expensive rates such as $2,646 a year in Miami, FL, and $2,274 in Las Vegas, NV.

Some additional insurance cost examples include Louisville, KY, at $2,176 per year, Chicago, IL, averaging $1,490, Minneapolis, MN, at $1,440, and Houston, TX, at an estimated $1,456.

The following chart ranks average insurance rate data for a Honda HR-V in the most populated areas in the U.S. Cost ranges from $1,030 per year in Columbus, OH, to $2,586 in New York City a difference of $1,556.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Honda HR-V, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Honda HR-V trim levels.Data last updated on November 28, 2022
Honda HR-V Insurance Rates in Large U.S. Cities
Honda HR-V Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,586$216
Philadelphia, PA$2,280$190
Los Angeles, CA$2,268$189
San Francisco, CA$1,954$163
Jacksonville, FL$1,942$162
San Jose, CA$1,618$135
Phoenix, AZ$1,574$131
San Diego, CA$1,538$128
Chicago, IL$1,490$124
Dallas, TX$1,464$122
Houston, TX$1,456$121
Indianapolis, IN$1,380$115
San Antonio, TX$1,312$109
Austin, TX$1,246$104
Columbus, OH$1,030$86

Which state has the cheapest HR-V insurance?

When analyzing Honda HR-V insurance rates on a state level, states like Maine ($946) and Virginia ($884) tend to have cheaper HR-V insurance rates, while states like Louisiana ($1,982), Michigan ($2,182), and Florida ($2,000) tend to be on the expensive side.

Auto insurance rates in most states are closer to average, with states like Arkansas, New Mexico, and South Carolina included in this group with average Honda HR-V insurance rates of $1,464, $1,096, and $1,264 per year, respectively.

Honda HR-V Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,114$557$93
Alaska$1,202$601$100
Arizona$1,216$608$101
Arkansas$1,464$732$122
California$1,570$785$131
Colorado$1,462$731$122
Connecticut$1,326$663$111
Delaware$1,390$695$116
Florida$2,000$1,000$167
Georgia$1,324$662$110
Hawaii$928$464$77
Idaho$1,082$541$90
Illinois$1,106$553$92
Indiana$1,022$511$85
Iowa$992$496$83
Kansas$1,380$690$115
Kentucky$1,594$797$133
Louisiana$1,982$991$165
Maine$946$473$79
Maryland$1,234$617$103
Massachusetts$1,122$561$94
Michigan$2,182$1,091$182
Minnesota$1,204$602$100
Mississippi$1,292$646$108
Missouri$1,456$728$121
Montana$1,332$666$111
Nebraska$1,308$654$109
Nevada$1,502$751$125
New Hampshire$826$413$69
New Jersey$1,292$646$108
New Mexico$1,096$548$91
New York$1,458$729$122
North Carolina$870$435$73
North Dakota$1,138$569$95
Ohio$796$398$66
Oklahoma$1,330$665$111
Oregon$1,148$574$96
Pennsylvania$1,150$575$96
Rhode Island$1,612$806$134
South Carolina$1,264$632$105
South Dakota$1,238$619$103
Tennessee$1,084$542$90
Texas$1,290$645$108
Utah$1,130$565$94
Vermont$910$455$76
Virginia$884$442$74
Washington$1,038$519$87
West Virginia$1,230$615$103
Wisconsin$928$464$77
Wyoming$1,258$629$105

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda HR-V, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda HR-V trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on November 28, 2022
Honda HR-V insurance rates by U.S. state

Additional rates and information

Other important observations concerning the cost of insurance for a HR-V include:

  • Higher physical damage deductibles lower policy cost. Increasing your deductibles from $500 to $1,000 could save around $178 per year for a 40-year-old driver and $338 per year for a 20-year-old driver.
  • Low deductibles makes insurance more expensive. Dropping your deductibles from $500 to $250 could cost an additional $186 per year for a 40-year-old driver and $352 per year for a 20-year-old driver.
  • High-risk drivers pay much more for HR-V insurance. For a 50-year-old driver, being required to buy a high-risk insurance policy increases the cost by $1,598 or more per year.
  • Get cheaper insurance rates by avoiding traffic tickets. If you want to get the cheapest price for HR-V insurance rates, it can pay off to be a safe driver. Just a few minor moving violations could increase the price of a policy by as much as $358 per year.
  • As you get older, rates tend to be cheaper. The difference in insurance rates for a HR-V between a 40-year-old driver ($1,370 per year) and a 20-year-old driver ($2,690 per year) is $1,320, or a savings of 49.1%.
  • Fewer accidents means cheaper Honda HR-V insurance. Having multiple accidents could cost you more, possibly by an extra $622 per year for a 30-year-old driver and even as much as $446 per year for a 50-year-old driver.