The 2025 HR-V’s MSRP ranges from $26,795 for the LX trim to $30,895 for the top-of-the-line EX-L trim.
The following table shows average monthly rates from different insurers.
On average, Honda HR-V drivers pay $188 per month for full coverage and $100 for liability-only insurance. That’s slightly less than for similar subcompact SUVs, like the Toyota Corolla Cross, Nissan Kicks, and Hyundai Venue.
The Honda HR-V earns a five-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), and J.D. Power gives it high marks for quality and reliability.1 2
Here’s what to know as you shop for car insurance for your Honda HR-V.
Cost of Honda HR-V insurance by model year
The average cost of car insurance for a Honda HR-V is $100 per month for liability-only coverage and $188 for a full-coverage policy. USAA, State Farm, and Allstate offer some of the cheapest average rates for the HR-V.
In 2024, the starting MSRP for a Honda HR-V was $25,995 for the LX trim and $29,545 for the EX-L.
See the table below for average monthly quotes from various insurers for the 2024 HR-V.
A 2023 Honda HR-V had an MSRP of $22,299 for the base model, with its most expensive model starting at $30,725.
Check out average monthly rates below for this model year.
In 2022, the Honda HR-V’s MSRP ranged from $23,115 to $29,415, depending on the trim.
The table below shows the cheapest insurance companies for this model year.
In 2021, the Honda HR-V’s MSRP ranged from $22,445 to $30,565.
The following table shows average monthly insurance costs from multiple insurers.
In 2020, the Honda HR-V’s MSRP ranged from $22,040 for the base model to $30,110 for the top-of-the-line model.
Below are average monthly quotes for a 2020 HR-V from several insurers.
The 2019 Honda HR-V had an MSRP ranging from $21,740 to $29,760, depending on the trim.
The table below highlights this model year’s most affordable insurance options.
In 2018, the HR-V had a starting MSRP of $21,465, with the top trim starting at $27,535.
The following table shows top insurers’ average monthly quotes for the 2018 HR-V.
In 2017, the Honda HR-V’s starting MSRP ranged from $21,240 to $27,215, depending on the trim.
See the table below for average monthly quotes from some of the best insurance companies.
In 2016, the Honda HR-V had an MSRP ranging from $20,795 to $26,890, depending on the trim.
The following table shows average monthly quotes from several insurers for this model year.
Average cost of Honda insurance by state
Insurers consider your location when determining your premiums. Rates can vary between cities and even ZIP codes due to differences in theft, vandalism, and accident rates.5
The map below shows how Honda insurance costs vary by state. Alaska and Hawaii aren’t included due to insufficient data.
How to ensure you have enough coverage on your Honda HR-V
Nearly every U.S. state has minimum car insurance requirements. Minimum coverage typically includes bodily injury liability and property damage liability. If you cause an accident, it covers the other driver’s injuries and any property damage you’re responsible for.
While you must carry state-minimum liability insurance to drive, most experts recommend higher limits to protect yourself financially. Without enough liability insurance, you could face significant out-of-pocket costs if you cause an accident.
Consider these other common coverages for added protection:6
Honda HR-V car insurance FAQs
For more information about Honda HR-V car insurance, see the answers to some frequently asked questions below.
USAA offers the cheapest Honda HR-V insurance, but it’s available only to active and former military members and their families. State Farm and Allstate also offer affordable rates.
No. With average monthly rates of $144, the Honda HR-V is cheaper to insure than the national average for all cars of $143, according to Insurify data. The Honda HR-V is also slightly cheaper to insure than similar models, such as the Toyota Corolla Cross, Nissan Kicks, and Hyundai Venue.
The average cost to insure a Honda HR-V is $100 per month for liability-only coverage and $188 for a full-coverage policy.
Yes. The 2025 Honda HR-V is rated as a Top Safety Pick+ by the IIHS. It also has a five-star overall safety rating from the NHTSA.
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