The Honda HR-V is a subcompact crossover SUV that first debuted in the U.S. in 1998. The 2026 Honda HR-V offers drivers and riders a blend of ample interior space, comfort, responsive handling, and a ton of standard driver-assist features. No matter which type of HR-V you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda HR-V insurance, an independent insurance agent can assist you. These agents know which local insurance companies offer Honda insurance at a great rate without sacrificing quality. But first, here's a closer look at how much it costs to insure a Honda HR-V by model year and top-rated insurance company in 2026.
Key Takeaways - Honda HR-V Car Insurance
Honda HR-V insurance costs an average of $1,764 per year, or approximately $147 per month for full coverage in 2026.
Honda HR-V insurance rates vary considerably by state, with drivers in Wyoming paying an average of only $30 per month for minimum coverage, while those in Louisiana pay $177.
Progressive, USAA, and American Family are the cheapest carriers for model-year 2025 Honda HR-V insurance this year.
The Honda HR-V is cheaper to insure, on average, than other vehicles, including similar SUVs.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda HR-V model.
What Is Honda HR-V Insurance?
Honda HR-V insurance is a special type of car insurance policy that includes specific coverage to protect your HR-V. As a subcompact crossover SUV, an HR-V may require additional coverage beyond that needed by a sedan. The HR-V's average insurance rates tend to be affordable when compared to other vehicles in its class.
Recommended coverage options for Honda HR-V drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Add-on coverage options worth considering for a Honda HR-V:
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Honda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
A local independent insurance agent can help you compare Honda HR-V car insurance rates in your area, including for the Honda HR-V 2025 model and Honda HR-V Sport.
How Much Does Honda HR-V Insurance Cost?
The average cost of car insurance for a Honda HR-V is $1,764 per year, or approximately $147 per month, for full coverage. However, several factors can influence the cost of Honda insurance, including:
- The specific type of HR-V you drive
- Your location
- Your driving history
- The types and amount of coverage you need
- Your claims history
- Your credit score (where allowed)
An independent insurance agent can help you find affordable coverage, whether you're looking for Honda HR-V full coverage insurance or a basic Honda HR-V liability insurance policy.
Is the Honda HR-V Expensive to Insure?
No, the Honda HR-V isn't expensive to insure on average, even when compared to other Honda vehicles and other SUVs in its class. Subcompact SUV lovers can potentially save money on car insurance by choosing a Honda HR-V.
The table below compares the HR-V's average monthly car insurance rates to those of similar vehicles and vehicles by the same brand.
| Vehicle | Average Monthly Cost of Car Insurance |
| Honda HR-V | $147 |
| Honda Vehicles | $167 |
| All Vehicles | $175 |
| All SUVs | $184 |
Honda HR-V Insurance Costs by Model Year
Next, we'll break down several model years of the Honda HR-V and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Honda HR-V* | $1,424 |
| 2025 Honda HR-V | $1,125 |
| 2024 Honda HR-V | $792 |
| 2023 Honda HR-V | $725 |
| 2022 Honda HR-V | $774 |
| 2021 Honda HR-V | $708 |
| 2020 Honda HR-V | $786 |
| 2019 Honda HR-V | $648 |
| 2018 Honda HR-V | $629 |
| 2017 Honda HR-V | $836 |
| 2016 Honda HR-V | $665 |
| 2013 Honda HR-V | $3,552 |
*Note: The 2026 Honda HR-V average cost is a projection based on the evaluation of inflation trends and current market data.
Cheapest Honda HR-V Car Insurance Companies for 2026
Many different car insurance companies across the nation offer affordable Honda HR-V insurance. These top-rated auto insurance carriers provide the cheapest model-year 2025 Honda HR-V insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,363 |
| USAA | $1,508 |
| American Family | $1,541 |
| Erie | $1,780 |
| Nationwide | $1,874 |
| Allstate | $3,436 |
Honda HR-V Car Insurance Rates by State
Location can have an effect on Honda HR-V auto insurance costs. Here are some average Honda HR-V car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Honda HR-V Insurance Rates by Driver Age and Profile
Teens and young drivers tend to pay the most, by far, for Honda HR-V car insurance. At age 25, car insurance rates drop dramatically until about age 65, then gradually climb again.
Drivers with accidents on their records or poor credit can also pay a lot more for auto insurance. Here are some average Honda HR-V insurance rates by driver age and profile in 2026.
| Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,330 | $9,296 | $10,874 |
| 20 | $4,878 | $7,163 | $8,380 |
| 25 | $2,858 | $4,197 | $4,909 |
| 30 | $2,226 | $3,269 | $3,825 |
| 35 | $2,085 | $3,062 | $3,582 |
| 40 | $2,005 | $2,945 | $3,445 |
| 45 | $1,951 | $2,865 | $3,352 |
| 55 | $1,790 | $2,628 | $3,074 |
| 65 | $1,867 | $2,741 | $3,207 |
| 75 | $2,356 | $3,460 | $4,048 |
Honda HR-V Insurance Rates by Trim Level
Your vehicle's trim can also impact your car insurance rates. The Honda HR-V's average monthly minimum coverage rates range from $78 for the LX Sport Utility 4D to $108 for the Touring Sport Utility 4D.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Best Honda HR-V Insurance Discounts: How to Lower Your Honda HR-V Insurance Premiums
Follow any of the steps recommended below to potentially start saving more money on your Honda HR-V auto insurance premiums today:
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Honda HR-V insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Honda HR-V insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda HR-V insurance from a trusted carrier near you.
A local independent insurance agent can help you find the cheapest Honda HR-V insurance in your area. They can also recommend even more strategies that could help reduce your auto insurance rates.
An Independent Insurance Agent Can Help You Get the Best Honda HR-V Insurance Quotes
When it's time to find the most affordable Honda HR-V insurance, no one's better equipped to help than a local independent insurance agent. These agents know which local carriers offer the best overall blend of Honda HR-V car insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda HR-V Insurance
How much does Honda HR-V insurance cost per year?
The average annual cost of full coverage for a Honda HR-V is $1,764 per year, or approximately $147 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda HR-V insurance premiums?
Many different factors can increase the cost of Honda HR-V insurance, such as having poor credit, prior claims, or accidents on your record.
Is the Honda HR-V expensive to insure?
No, the Honda HR-V isn't expensive to insure compared to other vehicles and other SUVs. The Honda HR-V's average monthly cost of car insurance is just $147 per month, while other SUVs average $184 per month.
What are the best and cheapest carriers for Honda HR-V insurance in 2026?
We found that Progressive, USAA, and American Family are the best and cheapest car insurance companies for model-year 2025 Honda HR-V insurance this year.
How can I get cheaper Honda HR-V insurance?
Finding cheaper Honda HR-V insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/honda-hr-v-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/honda/hr-v/
https://www.moneygeek.com/insurance/auto/honda-hr-v-insurance/
https://caredge.com/honda/hr-v/insurance