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Honda HR-V insurance cost UK 2026

The current Honda HR-V costs around £862 a year to insure comprehensively and sits in insurance groups 30–33 of 50 — steep for a small SUV, largely because the e:HEV hybrid's electronics and crash-avoidance sensors are expensive to put right after a knock.

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Groups 30–33

Insurance group range (of 50)

£862/yr

Typical comprehensive premium

+£262

Above the ~£600 UK average

Direct answer

What does it cost to insure a Honda HR-V?

A current Honda HR-V typically costs about £862 a year to insure comprehensively, or roughly £72 a month if you spread the payments. That's well above the UK average of around £600, and it surprises a lot of buyers — the HR-V looks like a sensible, compact family car, but insurers treat the latest one more like a mid-size SUV on price.

The reason is the group rating. The third-generation HR-V (2021 onwards), the self-charging 1.5 e:HEV hybrid, sits in insurance groups 32 to 33 out of 50 according to Parkers, with DrivingElectric quoting groups 30 to 31 depending on trim. Either way it's a high-30s car. The earlier model is a different story: the second-generation HR-V (2015–2021), with its 1.5 i-VTEC petrol and 1.6 i-DTEC diesel engines, spans groups 19 to 27, so a used one is considerably cheaper to run.

Three things push the current car up the scale. Its value is the first: the hybrid HR-V is a £32,000-plus car, so there's more to write off. Repair economics matter more still — the e:HEV drivetrain packs two electric motors, a battery and a web of Honda Sensing radar and camera sensors behind the bumpers and screen, and all of that is costly to recalibrate or replace after even a low-speed shunt. And as a small SUV its bodywork and glass simply cost more to fix than a supermini's. What keeps it from climbing even higher is Honda's reliability record and that standard safety kit, which hold claims frequency down. So it's not a car insurers dislike — it's just an expensive one to repair.

The numbers

Honda HR-V insurance cost by driver age

The figures below are indicative annual comprehensive premiums for the current hybrid HR-V, built from our composite of published group data and market quote ranges. Age is the single biggest swing factor: a driver in their forties pays a fraction of what a new driver does for the identical car, and on a group-32 SUV that gap is wide.

Honda HR-V: typical annual insurance premium by driver age — UK 2026

Premiums fall from roughly £1,480 for a young driver to around £680 in middle age.

Source: Car Insurance Expert composite for the current e:HEV HR-V, benchmarked to Parkers group ratings and ABI/Confused.com premium data (2026).

Driver age band	Indicative annual premium	Notes
17–24 (typical age 20)	£1,300–£1,700+	Highest cost; a group-32 SUV is a pricey first car
25–34 (typical age 30)	£720–£860	Drops sharply once no-claims discount builds
35–64 (typical age 40–50)	£630–£720	Cheapest band for most HR-V owners
65+	£700–£800	Edges up gently with age; still a low-risk profile

Indicative composite figures for the current e:HEV HR-V, benchmarked to Parkers insurance groups (32–33), DrivingElectric (30–31) and ABI/Confused.com 2026 premium data. Actual premiums vary by postcode, mileage, claims history and trim. A used 2015–2021 petrol or diesel HR-V (groups 19–27) sits materially lower — often £600–£720 for an experienced driver.

In context

Why the HR-V costs more than most small SUVs

Here's the part worth knowing before you buy. Within the small-SUV class the HR-V is one of the dearest cars to insure, and the gap over its obvious rivals is large. The Toyota Yaris Cross, a direct competitor on size and hybrid tech, sits in groups 11 to 13; the Hyundai Kona hybrid drops as low as group 8, per DrivingElectric. On a middle-aged driver's policy that difference can be £150–£250 a year, every year you own the car — enough to wipe out the fuel savings the hybrid earns you.

We see this a lot: someone cross-shops the HR-V against a Yaris Cross or a Nissan Juke, the sticker prices look close, and the running-cost gap only shows up once the quotes land. If insurance is a real part of your budget, get a live quote on the exact HR-V trim before you commit, and price the rivals the same day. It doesn't mean the HR-V is a bad buy — it's roomy, frugal and Honda-reliable — but you should go in knowing it carries a higher insurance floor than its size suggests.

Save money

How to insure a Honda HR-V for less

You can't move the HR-V out of the 30s on the group scale, but several levers still bite:

Consider an older petrol or diesel HR-V. The 2015–2021 car (groups 19–27) is the single biggest saving here — often £150 or more a year cheaper to insure than the current hybrid, before you even factor in the lower purchase price. The 1.6 i-DTEC diesel sits around group 20.
Compare the whole market, then check direct insurers too. Run the aggregators, but price Direct Line and Aviva separately — they don't show on comparison sites, and on a higher-group car the cheapest quote often hides with one of them.
Pay annually rather than monthly. Instalments on an £862 premium usually carry 20–30% APR, so paying up front saves real money on a car that already costs more to cover.
Keep the mileage honest but tight. The HR-V is efficient and often bought for shorter family runs; a genuinely low annual mileage lowers the price, so don't over-estimate it out of habit.
Build and protect your no-claims discount, raise the voluntary excess to a level you could actually pay, and keep the car on a driveway or in a garage overnight where you can.
For a young or new driver, a black box is the big one — telematics can cut a 17–24 premium by 30–40%, which matters far more on a group-32 SUV than on a city car.

For the wider picture on what's pushing prices around, see our UK car insurance cost index and our explainer on how insurance groups work.

FAQs

Honda HR-V insurance: your questions answered

What insurance group is the Honda HR-V in?

The current Honda HR-V (2021 onwards, 1.5 e:HEV hybrid) sits in insurance groups 30 to 33 out of 50 — Parkers rates the trims at group 32 to 33, DrivingElectric at 30 to 31. The older second-generation HR-V (2015 to 2021, 1.5 petrol and 1.6 diesel) is much lower at groups 19 to 27. Groups are set by Thatcham Research on behalf of the ABI.

Why is the Honda HR-V so expensive to insure for a small SUV?

Three things lift it. The current car is a £32,000-plus vehicle, so there's more value at risk. Its e:HEV hybrid system adds two electric motors, a battery and Honda Sensing radar and camera sensors that are costly to replace or recalibrate after a knock. And as an SUV its panels and glass cost more to repair than a supermini's. Together those push it into groups 32 to 33, high for the class.

Is the Honda HR-V hybrid costlier to insure than the old petrol one?

Yes, noticeably. The current e:HEV hybrid sits in groups 32 to 33, while the previous 2015 to 2021 petrol and diesel HR-V spans groups 19 to 27. For an experienced driver that's often a difference of £150 or more a year. If insurance cost is a priority and you don't need the newest car, a used petrol or diesel HR-V is the cheaper way into the model.

How does HR-V insurance compare with rivals like the Yaris Cross or Kona?

The HR-V is dearer than most direct rivals. The Toyota Yaris Cross sits in groups 11 to 13 and the Hyundai Kona hybrid can be as low as group 8, against the HR-V's 32 to 33. On a middle-aged driver's policy that can mean £150 to £250 a year more for the Honda — enough to offset its hybrid fuel savings. Worth pricing all three on the same day before you buy.

Which Honda HR-V trim is cheapest to insure?

On the current car the differences are small: Parkers puts the entry Elegance and the Advance Sport at group 32, with the Advance, Advance Style and Plus trims at group 33. So the lower-spec versions save a little, but not much. The bigger saving by far is choosing an older 2015 to 2021 HR-V, where the petrol and diesel models sit in groups 19 to 27.

Who offers the cheapest Honda HR-V insurance?

There's no single cheapest insurer — it depends on your age, postcode, mileage and claims history. On a higher-group car like the HR-V the sensible approach is to run a full comparison across the aggregator sites, then separately check direct-only insurers such as Direct Line and Aviva, which don't appear on comparison sites and often hold the best price on cars in the 30s.

Will modifications or a tow bar affect HR-V insurance?

Modifications almost always raise the premium and must be declared — non-standard alloys, remaps or styling can void the policy if you don't tell the insurer. A factory or dealer-fitted tow bar is usually a minor factor and sometimes free to add, but declare it anyway. The HR-V is bought as a practical family car, so keeping it standard keeps the price at its lowest.

Can a black box lower Honda HR-V insurance?

Yes, and it matters more on a car this group. Telematics policies reward safe driving and can cut a 17 to 24 year old's premium by around 30 to 40%, which is a bigger cash saving on a group-32 SUV than on a cheap first car. The HR-V's calm, unhurried nature suits telematics scoring, so it's a good match for a young driver on a black box policy.

Our sources

Sources & methodology

Parkers — Honda HR-V (2021 onwards) insurance groups (current e:HEV trims, groups 32–33)
Parkers — Honda HR-V (2015–2021) insurance groups (previous-generation petrol and diesel ratings)
DrivingElectric — Honda HR-V running costs & insurance (groups 30–31 and rival comparison with the Yaris Cross and Kona)
Auto Express — Honda HR-V (2015–2021) review (second-generation group range 19–27)
Thatcham Research / Association of British Insurers (ABI) — insurance group rating system
Confused.com Price Index and ABI Motor Insurance Premium Tracker (2026) — UK average premium context

Premiums are indicative composites and vary by individual circumstances; always compare live quotes for your own details. Reviewed by the Car Insurance Expert editorial team. Last updated: 3 September 2026.

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