How much is insurance on a Honda HR-V?

Priced for the 2024 HR-V AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Honda HR-V's rank is the same in every state.

Why the Honda HR-V costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Honda HR-V 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 84 for crash repairs, 84 for non-crash damage, 93 for damage to others' property, and 102 for injury claims.

• Crash repairs (collision)fixing this car after a crashAverage16% better than average4th best of the 13 small cars we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage16% better than average5th best of the 13 small cars we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage7% better than average2nd best of the 13 small cars we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 2% more often than average2nd best of the 12 small cars we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Honda HR-V comes out about 16% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 6% less than average: about $900 a year vs $950. On the liability side, damage to others and injury claims combine to about 2% better than average. So that part is about 1% less than average: $980 a year vs $990.

How the math works

In EPA size classes, the HR-V is a small car (gas-powered). In Highway Loss Data Institute loss tables, the Honda HR-V is benchmarked against mini SUVs.

Matched to HLDI series “Honda HR-V 4dr 4WD” (HLDI, 2022–24 models).

A used Honda HR-V, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 HR-V AWD (0–3 years old)	about $1,880	about $980	+$1,240	about $5,390
2022 HR-V AWD (4–7 years old)	about $1,770	about $980	+$1,170	about $5,080
2018 HR-V AWD (8–12 years old)	about $1,700	about $1,030	+$1,120	about $4,870

Our catalog covers the Honda HR-V across model years 2016–2027. Full coverage on a used 2018 HR-V (8–12 years old) runs about $1,700 a year, $180 less than on a 2024. Dropping collision and comprehensive on that 2018 brings liability-only coverage to about $1,030 a year. Each photo shows that year's generation of the car. Photo credits.

All 2 versions of the 2024 Honda HR-V in our catalog (HR-V AWD and HR-V FWD) price within about $50 a year of each other.

On a policy of their own with a 2024 Honda HR-V, a 22–25-year-old pays about $2,440 a year ($560 more than a 45-year-old), a 26–39-year-old about $2,080, and a driver 65 and older about $1,970.

Adding a 16-year-old with a Honda HR-V

Adding a new 16-year-old who drives the Honda HR-V raises the family bill by about $1,240 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,390 a year, so keeping them on the family policy saves about $4,150 a year.

For adding a teen driver, the Honda HR-V ranks 52nd cheapest out of all 121 models we track. Stepping down to a used 2018 HR-V (8–12 years old) brings the teen add-on to about $1,120 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small cars

Among these 13 small cars, the Honda HR-V is the 2nd least expensive to insure. Right next to it are the Subaru Impreza (about $1,850 a year) and the Chevrolet Trax (about $1,900).

• 2024 Subaru Imprezaabout $1,850 (about the same)
• 2024 Honda HR-Vabout $1,880 (this car)
• 2024 Chevrolet Traxabout $1,900 (about the same)
• 2024 Buick Envistaabout $1,920 (about the same)
• 2024 Mazda 3about $2,030 ($150 more)
• 2024 Kia Soulabout $2,030 ($150 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Honda HR-V costs in your state

In six sample states, a 2024 Honda HR-V runs from about $1,250 a year in Vermont through Indiana, West Virginia, Arkansas and South Carolina to about $2,470 in New York:

• Vermontabout $1,250/yr · +$820 teen
• Indianaabout $1,350/yr · +$890 teen
• West Virginiaabout $1,600/yr · +$1,060 teen
• Arkansasabout $1,690/yr · +$1,120 teen
• South Carolinaabout $1,980/yr · +$1,310 teen
• New Yorkabout $2,470/yr · +$1,630 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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