Honda HR-V insurance costs change based on model year, with newer vehicles being more expensive to insure. Monthly premiums run from $229 for 2025 models down to $68 for older HR-Vs.
Honda HR-V Insurance Cost
Updated: January 31, 2026
Key Takeaways
GEICO offers the most affordable Honda HR-V insurance on average, though full coverage costs vary widely by model year and insurer, averaging $171 monthly nationwide. Read more
SUVs face higher premiums due to increased repair costs and theft risk, but the HR-V ranks 85th out of 256 SUVs for affordability, placing it in the middle tier for its vehicle type. Read more
Teen drivers, especially, need model-year-specific quotes, since rates vary based on your HR-V's age and the drivers on your policy. Read MoneyGeek's analysis of rates by company for specific HR-V model years, depending on the age of the drivers
How Much Is Honda HR-V Insurance?
Looking for another Honda model? Read more about the cost of Honda car insurance models.
Costs vary by model year and company. Honda HR-V minimum coverage spans $62 monthly with GEICO to $151 with UAIC, while full coverage goes from $134 with GEICO to higher rates with other insurers.
These cost differences (exceeding $89 for minimum coverage and $194 for full coverage) demonstrate why HR-V owners need to shop around. Companies calculate risk differently for each model, affecting your final quote.
| AAA | $103 | $212 |
| AIG | $132 | $328 |
| Allstate | $106 | $205 |
| Amica | $107 | $219 |
| Chubb | $122 | $241 |
| Farmers | $135 | $238 |
| Geico | $62 | $134 |
| Kemper | $93 | $188 |
| Nationwide | $97 | $168 |
| Progressive | $85 | $158 |
| State Farm | $86 | $179 |
| The Hartford | $108 | $185 |
| Travelers | $80 | $147 |
| UAIC | $151 | $189 |
Is Honda HR-V Expensive to Insure?
MoneyGeek's analysis of 256 SUVs reveals the Honda HR-V's insurance affordability, ranking 85th overall. This positions it between the slightly cheaper Mazda CX-3 and the marginally pricier Volkswagen ID.4, with 84 more affordable SUV options available. The middle-tier ranking among SUVs shows it's competitively priced within its category.
While SUVs carry higher insurance costs, the HR-V's 350th place out of 827 total vehicles puts it in the top half for affordability. The Isuzu Amigo claims the cheapest SUV spot, while the Audi SQ8 e-tron commands the highest premiums in the category.
| Hyundai NEXO | $129 | 82 |
| Acura RDX | $129 | 83 |
| Lincoln MKT | $129 | 83 |
| Toyota C-HR | $129 | 83 |
| Mazda CX-3 | $129 | 84 |
| Honda HR-V | $130 | 85 |
| Volkswagen ID.4 | $130 | 86 |
| Chevrolet Blazer | $130 | 87 |
| Audi Q5 | $131 | 88 |
Several factors affect what you'll pay for Honda HR-V insurance:
- Average Repair or Replacement Costs: Honda HR-V maintenance expenses average $601 annually, ranking as Honda's fourth most affordable model to maintain out of 18 available models.
- Vehicle Trim, Features and Accessories: Performance capabilities vary across trims, with horsepower ranging from 158 to 180, depending on your specific model. Higher-performance trims cost more to insure due to increased horsepower output.
- Driver Profile:Â The HR-V attracts drivers aged 25 to 40 with a median age of around 32, earning lower rates due to responsible driving habits. However, the vehicle's performance reputation can attract risk-taking behaviors that concern insurers. Read more about the costs of Honda HR-Vs for young drivers.
Honda HR-V Insurance Cost by State
Car insurance for a Honda HR-V costs anywhere from $30 monthly in Wyoming to $177 in Louisiana for minimum coverage, depending on where you're located. Your state's risk characteristics and insurance regulations create these differences, not anything about the HR-V itself.
| Alabama | $74 | $141 |
| Alaska | $60 | $128 |
| Arizona | $107 | $200 |
| Arkansas | $73 | $162 |
| California | $84 | $170 |
| Colorado | $86 | $205 |
| Connecticut | $122 | $210 |
| Delaware | $125 | $210 |
| Florida | $117 | $272 |
| Georgia | $132 | $217 |
| Hawaii | $47 | $104 |
| Idaho | $49 | $100 |
| Illinois | $79 | $147 |
| Indiana | $58 | $114 |
| Iowa | $49 | $118 |
| Kansas | $64 | $151 |
| Kentucky | $110 | $187 |
| Louisiana | $177 | $378 |
| Maine | $46 | $95 |
| Maryland | $136 | $230 |
| Massachusetts | $89 | $189 |
| Michigan | $138 | $263 |
| Minnesota | $72 | $149 |
| Mississippi | $76 | $151 |
| Missouri | $104 | $207 |
| Montana | $60 | $144 |
| Nebraska | $64 | $146 |
| Nevada | $164 | $296 |
| New Hampshire | $61 | $109 |
| New Jersey | $147 | $242 |
| New Mexico | $71 | $160 |
| New York | $109 | $196 |
| North Carolina | $73 | $143 |
| North Dakota | $51 | $112 |
| Ohio | $67 | $130 |
| Oklahoma | $82 | $181 |
| Oregon | $109 | $192 |
| Pennsylvania | $75 | $177 |
| Rhode Island | $108 | $193 |
| South Carolina | $93 | $173 |
| South Dakota | $46 | $140 |
| Tennessee | $69 | $141 |
| Texas | $113 | $233 |
| Utah | $97 | $166 |
| Vermont | $39 | $93 |
| Virginia | $84 | $137 |
| Washington | $83 | $153 |
| West Virginia | $74 | $152 |
| Wisconsin | $57 | $126 |
| Wyoming | $30 | $93 |
Honda HR-V Costs by Model Year and Insurance Company
Your Honda HR-V's model year and your age impact insurance premiums. A 35- to 55-year-old driver pays around $179 monthly for full coverage on a 2025 Honda HR-V compared to $126 for a 2017 model. This $53 difference shows how model year affects your insurance costs, with newer vehicles consistently costing more to insure. Teen and young adult drivers will see much steeper rates regardless of which model year they choose.
GEICO consistently offers the most affordable rates across all Honda HR-V model years.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Honda HR-V
| Geico | $140 | $306 |
| National General | $240 | $491 |
| The Hartford | $244 | $416 |
| State Farm | $257 | $537 |
| Kemper | $258 | $513 |
| Travelers | $284 | $532 |
| AAA | $309 | $641 |
| Allstate | $313 | $617 |
| Progressive | $321 | $603 |
| Nationwide | $360 | $624 |
| Amica | $362 | $742 |
| UAIC | $375 | $475 |
| Farmers | $394 | $700 |
| AIG | $422 | $1,089 |
| Chubb | $443 | $885 |
Cost of Car Insurance for 2024 Honda HR-V
| Geico | $131 | $287 |
| National General | $224 | $460 |
| The Hartford | $228 | $390 |
| State Farm | $241 | $503 |
| Kemper | $241 | $480 |
| Travelers | $266 | $498 |
| AAA | $289 | $600 |
| Allstate | $293 | $577 |
| Progressive | $300 | $564 |
| Nationwide | $337 | $584 |
| Amica | $338 | $695 |
| UAIC | $351 | $445 |
| Farmers | $369 | $655 |
| AIG | $395 | $1,019 |
| Chubb | $414 | $828 |
Cost of Car Insurance for 2023 Honda HR-V
| Geico | $130 | $283 |
| National General | $222 | $454 |
| The Hartford | $226 | $385 |
| State Farm | $238 | $497 |
| Kemper | $238 | $475 |
| Travelers | $263 | $492 |
| AAA | $286 | $594 |
| Allstate | $289 | $571 |
| Progressive | $297 | $558 |
| Nationwide | $333 | $577 |
| Amica | $335 | $687 |
| UAIC | $347 | $440 |
| Farmers | $364 | $648 |
| AIG | $391 | $1,007 |
| Chubb | $410 | $818 |
Cost of Car Insurance for 2022 Honda HR-V
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
Cost of Car Insurance for 2021 Honda HR-V
| Geico | $90 | $196 |
| National General | $154 | $315 |
| The Hartford | $157 | $267 |
| State Farm | $165 | $345 |
| Kemper | $165 | $329 |
| Travelers | $182 | $341 |
| AAA | $198 | $411 |
| Allstate | $201 | $396 |
| Progressive | $206 | $387 |
| Nationwide | $231 | $400 |
| Amica | $232 | $476 |
| UAIC | $240 | $305 |
| Farmers | $253 | $449 |
| AIG | $271 | $698 |
| Chubb | $284 | $567 |
Cost of Car Insurance for 2020 Honda HR-V
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
Cost of Car Insurance for 2019 Honda HR-V
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
Cost of Car Insurance for 2018 Honda HR-V
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
Cost of Car Insurance for 2017 Honda HR-V
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
Cost of Car Insurance for 2016 Honda HR-V
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
Honda HR-V Insurance Cost by Trim
Honda HR-V insurance costs range from $78 monthly for minimum coverage on basic LX Sport Utility 4D models to $208 for full coverage on Touring Sport Utility 4D variants. Performance features and market value differences between trim levels create this significant cost variation.
| Lx Sport Utility 4d | $78 | $151 |
| Lx | $83 | $162 |
| Sport Suv 4d | $88 | $169 |
| Sport | $89 | $173 |
| Ex Sport Utility 4d | $89 | $172 |
| Ex-L Sport Utility 4d | $91 | $176 |
| Ex-L W/Navigation Sport Utility 4d | $94 | $181 |
| Ex-L | $95 | $185 |
| Touring Sport Utility 4d | $108 | $208 |
How to Lower the Cost of Honda HR-V Insurance
We've listed the best ways for you to save money on your HR-V car insurance:
- 1Choose the right coverage
Figure out how much coverage to buy for your Honda HR-V based on ownership status. Own it outright? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for compact SUVs. This benchmark assists with finding the cheapest car insurance companies offering competitive rates in business and tech districts.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond price quotes alone. Check J.D. Power satisfaction ratings, examine forum discussions about claims handling, review Better Business Bureau records and confirm AM Best financial stability. Budget options could provide limited coverage or slower service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Honda HR-V owners often get safety features discounts for automatic emergency braking, good driver discounts for clean records, multi-vehicle savings for insuring multiple cars and bundling discounts when combining auto and home policies.
- 5Consider alternative car insurance types
Honda HR-V owners might benefit from usage-based insurance options like Progressive Snapshot or Allstate Drivewise that track safe driving habits and deliver premium reductions. These programs monitor factors like hard braking, acceleration and mileage to reward careful drivers with lower rates.
- 6Check rates every year
Obtain car insurance quotes from several companies annually. Insurers don't notify you when competitors lower prices, so yearly comparisons might save up to 24% on your Honda HR-V insurance costs.
Honda HR-V Insurance Cost: Bottom Line
Honda HR-V insurance runs average in cost, though you'll find decent rates with smart shopping. Compare quotes from multiple insurers, claim available discounts and adjust your coverage choices to secure better pricing.
Honda HR-V Insurance Rates: FAQ
What is the average cost of car insurance for a Honda HR-V?
Honda HR-V insurance costs $1,063 annually for state minimum coverage and $2,055 yearly for full coverage. Monthly premiums average $89 for minimum and $171 for comprehensive protection.
What company has the cheapest car insurance for a Honda HR-V?
GEICO provides the most affordable auto insurance for Honda HR-V drivers at $744 annually for minimum coverage. Full coverage seekers also get the best rates with GEICO at $1,606 per year.
Are Honda HR-Vs expensive to insure?
No, Honda HR-V insurance is not expensive compared to other vehicles. Among SUVs, this model ranks 85th out of 256 for affordability, while placing 350th out of 827 total vehicles we track.
What factors affect insurance costs for Honda HR-Vs?
Multiple factors affect Honda HR-V insurance costs. The compact SUV benefits from affordable repair costs due to common parts availability and strong safety ratings that help reduce premiums. However, your personal driving record, credit score, and chosen coverage levels ultimately determine your final rates.
How can I lower Honda HR-V insurance costs?
Compare quotes from multiple insurers since Honda HR-V costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and keep your driving record spotless to secure better rates.
How We Determined Honda HR-V Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Honda HR-V insurance costs.
Who We Based These Rates On
These Honda HR-V rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.