About $1,379 a year for full coverage on a national average — 4% less than the $1,438 average car. Insurers rate the Honda HR-V at an index of 96 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly. Personal injury (PIP) — no-fault injury cover in some states — carries this car's highest loss index at 128, while Comprehensive sits at 82. That gap is the real reason behind the price, and it's the part a quote form never shows you. Among 78 suvs we hold data for, the HR-V ranks #48 from cheapest, above the class median of 94. Against what the car is worth the bill looks different again: a 2026 HR-V sells for a median $27,888, so a year of cover costs 4.9% of the car's value. Over 9 generations of data the index has climbed from 89 (2015-2017) to 96 (2022-2024). Calculated from 16 insurance-loss records and live US listing prices.
Why a HR-V costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,379: Liability (BI + PD) $662 · Collision $386 · Comprehensive $165 · Other (UM / PIP) $165.
The HR-V against its class
Every suvs we hold insurance data for, cheapest to insure first. The HR-V is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (SUVs), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 94, roughly $1,352 a year.
How it changed by generation
Insurance-loss index of the HR-V across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The HR-V has become more expensive to insure over time (+7 points).
What a HR-V costs by state
Where you park matters as much as what you drive. The HR-V's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | HR-V est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Honda HR-V
Honda HR-V insurance — frequently asked
How much is insurance for a Honda HR-V?
About $1,379 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 96 applied to the US average premium.
Why is the HR-V expensive or cheap to insure?
Its costliest area is Personal injury (PIP) (index 128), which covers no-fault injury cover in some states. Insurers set premiums from claim history like this, not from the sticker price.
Is the HR-V cheaper to insure than rivals?
It ranks #48 of 78 in the suvs class, where the median index is 94 against this car's 96. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 4.9% of what a 2026 HR-V sells for (a median $27,888). Cheap cars often show a higher percentage even when the dollar premium is lower.
Does its safety rating lower the premium?
Not directly. The HR-V holds 5 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same HR-V can differ by hundreds between two drivers.