The cheapest full coverage insurance for a Honda HR-V is $1,014 annually with USAA, while rates for a 16-year-old can reach $5,658. Costs vary by model year, age, location, driving record and insurer. This article outlines Honda HR-V insurance costs and the top providers.
Honda HR-V Insurance Cost
Updated: March 17, 2025
Key Takeaways
GEICO provides the most affordable minimum coverage across all Honda HR-V model years at $480 annually.
For a Honda HR-V, the average annual cost is $600 for minimum coverage and $1,308 for full coverage.
MoneyGeek analyzed data and 2,092 Honda HR-V insurance quotes from Quadrant Information Services to ensure accurate findings.
Honda HR-V Insurance Rates
What Is the Average Honda HR-V Car Insurance Cost?
The average cost of full coverage insurance for a Honda HR-V is $109 per month or $1,308 per year, based on a 40-year-old male with a clean driving record. Minimum coverage averages $50 monthly or $600 annually.
| Minimum Coverage | $600 |
| Full Coverage | $1,308 |
Honda HR-V Insurance Costs by Company
Honda HR-V insurance costs range from $1,043 to $1,811 annually, depending on age, model year and coverage level. Here's a table comparing average Honda HR-V insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,406 | $1,812 | -22% |
| Auto-Owners | $1,115 | $1,227 | -9% |
| Farmers | $1,646 | $1,956 | -16% |
| GEICO | $1,075 | $1,333 | -19% |
| Kemper | $1,811 | $2,212 | -18% |
| Nationwide | $1,382 | $1,588 | -13% |
| Progressive | $1,457 | $1,743 | -16% |
| State Farm | $1,138 | $1,269 | -10% |
| Travelers | $1,389 | $1,521 | -9% |
| USAA | $1,043 | $1,200 | -13% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda HR-V by Model Year
Your Honda HR-V's production year affects your insurance rates, with older models usually being cheaper. For instance, full coverage for a 2022 model costs $1,357 annually, while it costs $1,263 for a 2016 model. Below are the average full and minimum coverage rates for each Honda HR-V year.
| 2022 | $603 | $1,357 |
| 2021 | $609 | $1,355 |
| 2020 | $611 | $1,341 |
| 2019 | $613 | $1,333 |
| 2018 | $617 | $1,302 |
| 2017 | $616 | $1,275 |
| 2016 | $616 | $1,263 |
Honda HR-V Insurance Costs by Driver Age
Honda HR-V insurance rates vary widely depending on the driver's age. For example, a 16-year-old pays an average of $5,658 annually for full coverage, while a 40-year-old pays around $1,318. Below are the average full and minimum coverage rates for HR-V drivers of different ages.
| 16 | $2,766 | $5,658 |
| 17 | $2,252 | $4,611 |
| 18 | $1,965 | $4,063 |
| 19 | $1,397 | $2,905 |
| 20 | $1,254 | $2,642 |
| 21 | $997 | $2,134 |
| 22 | $910 | $1,962 |
| 23 | $844 | $1,832 |
| 24 | $800 | $1,743 |
| 25 | $713 | $1,560 |
| 26 | $694 | $1,516 |
| 27 | $678 | $1,482 |
| 28 | $667 | $1,458 |
| 29 | $657 | $1,438 |
| 30 | $635 | $1,387 |
| 35 | $619 | $1,343 |
| 40 | $612 | $1,318 |
| 45 | $607 | $1,300 |
| 50 | $592 | $1,260 |
| 55 | $577 | $1,226 |
| 60 | $577 | $1,221 |
| 65 | $615 | $1,282 |
| 70 | $668 | $1,371 |
| 75 | $741 | $1,503 |
| 80 | $838 | $1,672 |
| 85 | $907 | $1,796 |
| 90 | $956 | $1,882 |
Honda HR-V Insurance Rates Explained
Car insurance rates depend on your driver profile and factors tied to your car. Below is a breakdown of key vehicle-related cost factors.
Honda HR-V Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda HR-V
Average Full Coverage Rate
$1,308Premiums for Honda HR-V are:$12 more
This is 1% more expensive.
Value
The Honda HR-V's MSRP is $29,500, classifying it as a compact SUV. Insurers consider the MSRP when calculating insurance costs.
Repair costs
The Honda HR-V’s annual repair cost is $301, below the national average, which can help lower insurance premiums.
Performance
The Honda HR-V, with 158 horsepower and a 0-to-60 time of 9.4 seconds, isn't classified as a high-performance vehicle, which helps keep insurance costs moderate.
Vehicle age
Newer Honda HR-Vs typically cost more to insure than older ones. However, collector and classic vehicles can also be very expensive.
Safety features
The Honda HR-V’s safety features, including stability control, airbags and antilock brakes, can help reduce accident risks and may qualify for insurance discounts.
Vehicle size
Larger vehicles often have higher insurance costs due to potential property damage. The Honda HR-V, with a curb weight of 3,333 lbs, may result in moderate insurance premiums.
Trim level
Higher trim levels with premium upgrades typically have a higher MSRP, increasing insurance costs. For instance, the Honda HR-V’s higher trims cost more to insure than the base model.
Theft rates
Vehicles at higher risk of theft cost more to insure. With a theft rate of 62, the Honda HR-V may have slightly higher insurance rates.
Anti-theft features
Vehicles with anti-theft features often qualify for lower insurance premiums. The Honda HR-V’s standard security system may help reduce costs.
Cheapest Honda HR-V Insurance
GEICO offers the most affordable annual rate for Honda HR-V insurance at $480 for minimum coverage, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Honda HR-V Insurance by Coverage Level
The coverage level you choose greatly affects your Honda HR-V insurance rate. GEICO provides the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Honda HR-V Minimum Coverage
GEICO offers the cheapest minimum coverage for a Honda HR-V at $40 monthly, followed closely by State Farm at $41. Other affordable options include Travelers at $52 and Progressive at $53.
| USAA | $35 | $418 |
| GEICO | $40 | $480 |
| State Farm | $41 | $497 |
| Travelers | $52 | $627 |
| Progressive | $53 | $641 |
| Allstate | $56 | $676 |
| Nationwide | $58 | $695 |
| Farmers | $59 | $706 |
*GEICO offers non-military-affiliated Honda HR-V owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda HR-V Insurance Rates by Model Year
The above list may not consider your Honda HR-V's production year, which could mean lower rates for older models. Check the table below for each production year's cheapest minimum coverage rates.
Data filtered by:Results filtered by:
Select
Model Year:2022
| Allstate | $659 | $55 |
| Farmers | $727 | $61 |
| GEICO | $475 | $40 |
| Nationwide | $711 | $59 |
| Progressive | $564 | $47 |
| State Farm | $502 | $42 |
| Travelers | $641 | $53 |
| USAA | $397 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda HR-V Insurance
GEICO offers the cheapest full coverage for a Honda HR-V at $88 per month or $1,056 annually. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $84 | $1,014 |
| GEICO | $88 | $1,056 |
| State Farm | $92 | $1,106 |
| Nationwide | $110 | $1,316 |
| Allstate | $113 | $1,356 |
| Travelers | $115 | $1,377 |
| Progressive | $116 | $1,397 |
| Farmers | $129 | $1,554 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda HR-V owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda HR-V Insurance by Age
Younger drivers aged 16 to 25 and seniors 55 and up often pay more for Honda HR-V insurance. Below is a breakdown of the cheapest options by age.
Cheapest Honda HR-V Insurance for Young Drivers
State Farm offers the most affordable car insurance for young drivers at $90 monthly or $1,085 annually for minimum coverage. Below is the complete list of the cheapest rates for Honda HR-V drivers aged 16 to 25.
| USAA | $72 | $865 |
| State Farm | $90 | $1,085 |
| GEICO | $94 | $1,129 |
| Travelers | $108 | $1,296 |
| Allstate | $130 | $1,564 |
| Progressive | $148 | $1,774 |
| Nationwide | $153 | $1,837 |
| Farmers | $156 | $1,868 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda HR-V Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $45 monthly or $546 annually. See the full list of affordable Honda HR-V insurers below:
| State Farm | $45 | $546 |
| USAA | $46 | $554 |
| GEICO | $47 | $570 |
| Travelers | $62 | $748 |
| Progressive | $68 | $815 |
| Nationwide | $68 | $815 |
| Allstate | $69 | $823 |
| Farmers | $79 | $950 |
Cheapest Honda HR-V Insurance After an Accident
For Honda HR-V drivers, State Farm, GEICO and Travelers are the most affordable car insurance options after an accident. The complete list is below.
| State Farm | $52 | $624 |
| USAA | $53 | $634 |
| GEICO | $63 | $750 |
| Travelers | $75 | $901 |
| Allstate | $77 | $924 |
| Progressive | $86 | $1,030 |
| Nationwide | $90 | $1,075 |
| Farmers | $113 | $1,357 |
Honda HR-V Insurance Cost: Bottom Line
Regularly comparing rates from different providers can help you find the cheapest car insurance. This article covers Honda HR-V insurance in detail, including costs for various demographics and the most affordable providers.
Honda HR-V Insurance Rates: FAQ
Below are answers to common questions about Honda HR-V insurance costs.
What company has the cheapest car insurance for a Honda HR-V?
GEICO offers a Honda HR-V's most affordable insurance, with an annual minimum coverage rate of $480.
What is the average cost of car insurance for a Honda HR-V?
The average annual cost for a Honda HRV is $600 for minimum coverage and $1,308 for full coverage.
Honda HR-V Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,092 Honda HR-V insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda HR-V:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda HR-V insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda HR-V.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.