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
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.
Rates vary by model year and insurer. GEICO is cheapest for the Honda HR-V at $62 a month for minimum coverage and $134 for full. UAIC charges the most for minimum at $151.
Minimum coverage varies by more than $89 between insurers. Full coverage varies by more than $194. Each company calculates model-specific risk differently, which affects your final rate.
| 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?
Among 256 SUVs, the Honda HR-V ranks 85th for insurance affordability. It's a few dollars a month more than a Mazda CX-3 and a few less than a Volkswagen ID.4. Across all 827 vehicles in MoneyGeek's database, the HR-V ranks 350th. The Isuzu Amigo is the cheapest SUV to insure. The Audi SQ8 e-tron is the most expensive.
| 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 repairs average $601 a year, and it's fourth most affordable among 18 Honda models. Lower repair costs keep premiums below most of its class.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 158 to 180 depending on trim. Higher-performance trims cost more to insure because more power raises claim risk.
- Driver Profile: Most HR-V drivers are 25 to 40 with a median age around 32, an age range that typically sees lower rates. The HR-V's performance profile can draw higher-risk drivers, which insurers price in. 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
Coverage needs depend on how you own the car.
Own it outright (lower cost):
- State minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Own it outright (more coverage):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
- 2Research costs and cheap companies
Check average auto insurance costs for compact SUVs before you shop. That number tells you whether a quote is competitive. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction ratings, Better Business Bureau records and AM Best financial stability scores. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Check discounts you qualify for
Check every car insurance discount before buying. Honda HR-V owners commonly qualify for safety features discounts on automatic emergency braking, good driver discounts for clean records, multi-vehicle discounts and bundling discounts for combining auto and home policies.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving (hard braking, acceleration and mileage) and lower premiums based on actual behavior.
- 6Check rates every year
Get car insurance quotes from multiple companies each year. Insurers don't tell you when competitors drop their prices. Annual comparisons can save up to 24%, so set a reminder at each renewal.
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?
The Honda HR-V's affordable repair costs and strong safety ratings keep premiums below average for its class. Your driving record, credit score and coverage level are the biggest factors in your final rate.
How can I lower Honda HR-V insurance costs?
Compare quotes from at least three insurers because Honda HR-V pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle policies with the same carrier and keep your record clean.
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.
Who We Based These Rates On
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.