Car Insurance Quotes for the Honda HR-V

The Honda HR-V stands out as a versatile and efficient compact crossover SUV. It offers ample space for up to 5 passengers and fuel-efficient driving experience, achieving an average combined fuel economy of around 30 miles per gallon.

When it comes to protecting your HR-V, having the right car insurance is crucial. This model’s average liability coverage cost is $60, while full coverage is $120. Comparing these prices with national averages, the basic plan is $8 more expensive, and full coverage is $48 cheaper. Remember, these are just averages, and your rate may vary depending on several factors, which we will share with you throughout this guide.

Freeway Insurance can help you find the most affordable insurance solutions, even if you have tickets or DUIs. Keep reading for peace of mind while driving your SUV.

Looking for SUV insurance? Well, you’ve got two main types of auto coverage to consider. You can go for full coverage, or the bare minimum required by your state. There are also plenty of add-ons to consider, such as uninsured motorist coverage.

Deciding between these options boils down to what matters most to you: saving more cash or having an extra layer of protection. Ready to explore and uncover the characteristics of each coverage option? Let’s dive in.

Full Coverage

Opting for full auto insurance means you can breathe easy knowing you’re fully covered in case of an accident. This policy includes liability protection, collision coverage, and comprehensive insurance to safeguard you financially in various scenarios.

Liability protection handles medical bills and damages for others if you’re at fault in an accident, while collision coverage steps in for any type of crash involving your SUV, even if you are at fault. In cases of non-collision damage like vandalism or weather incidents, comprehensive coverage steps up to cover the costs. The best part? All this protection for your crossover SUV typically costs only $120 per month.

For instance, if your SUV is scratched with a key or damaged due to a hailstorm, comprehensive coverage would step in to cover the costs of repairing your vehicle. So, regardless of life’s challenges, you can drive your Honda confidently, knowing you are fully covered.

State Minimum Liability

Did you know that every state requires drivers to have some form of vehicle protection? This minimum liability coverage holds drivers responsible for any damage or accidents they may cause.

Imagine this scenario: while driving your SUV, you cause a crash. Having at least a state minimum policy will come in handy. It can help cover medical expenses for those hurt in the crash and pay for repairs to their vehicles. In the unfortunate event of a fatality, it can also assist with funeral expenses.

The state requirements for minimum liability policies vary. For example, if you’re in Nevada, you’ll need at least $25,000 for one person’s medical or funeral expenses, up to $50,000 for two or more people, and another $20,000 for property damage. On the other hand, in Texas, a basic policy would require $30,000 for injury or death to one person, $60,000 for injury or death for all bodily injury claims, and $25,000 for property damage coverage.

The average price for this type of policy for the crossover SUV is around $60 per month.

Even though getting a quote might seem like a simple process, it means diving into many different things that play into how much you pay for your coverage. These factors include:

Your location

The price you pay for car insurance can vary greatly depending on where you live. For example, Michigan tends to have pricier rates due to its strict coverage requirements.

Basically, your carrier assesses the likelihood of needing to cover expenses for repairing or replacing your vehicle based on your location, and then sets your rate accordingly.

Your Deductible

If you ever have to make a claim, there’s a set amount you must pay out of pocket before your insurance chips in – that’s your deductible. Choosing a higher deductible means cheaper premiums, while a lower deductible will increase your monthly payments.

Relationship Status

It might be surprising, but statistics show that married people tend to have fewer accidents than singles. That’s why insurers usually offer slightly lower rates to married policyholders compared to those who are single.

Getting behind the wheel under the influence is no joke. Not only does it significantly increase the chances of causing an accident, but the fallout from getting caught can be rough.

In addition to facing fines, penalties and the potential loss of your license and car, you will also be categorized as a high-risk driver. This means you can expect to pay higher premiums for an extended period until you can demonstrate that you are once again a safe and responsible driver.