Insurance
Full-coverage insurance averages $1,645 a year nationally for this vehicle — roughly 2.4× its maintenance bill. ACI estimate anchored to AAA's 2025 national average ($1,694/yr full coverage).
Report ACI-HON-HRV · Updated July 2026 · Figures are ACI model estimates
The Honda HR-V costs about $698 a year to maintain — $530 in year one rising to $970 by year ten, or $6,980 across a decade. That ranks #13 of 52 vehicles tracked by AutoCostIndex. Figures are modeled estimates at 12,000 miles a year with independent-shop labor, covering scheduled maintenance and expected repairs but not fuel, insurance, or depreciation.
The Honda HR-V ranks #13 of 52 vehicles we track — mid-pack for annual maintenance cost.
Vehicle age, years · figures at 12,000 mi/yr, independent shop
Costs stay under $700 a year through year 6, then climb as tires (set of 4) and other wear items come due.
| Service | Typical cost | Interval |
|---|---|---|
| Oil change (synthetic) | $85 | 7,500 mi |
| Cabin + engine air filters | $72 | 15,000 mi |
| Brake pads (front, pair) | $280 | 48,000 mi |
| Tires (set of 4) | $750 | 50,000 mi |
| CVT fluid exchange | $220 | 60,000 mi |
| Vehicle age | Annual cost | Cumulative |
|---|---|---|
| Age 1 | $530 | $530 |
| Age 2 | $535 | $1,065 |
| Age 3 | $560 | $1,625 |
| Age 4 | $595 | $2,220 |
| Age 5 | $640 | $2,860 |
| 5-year total | $2,860 | $2,860 |
Full-coverage insurance averages $1,645 a year nationally for this vehicle — roughly 2.4× its maintenance bill. ACI estimate anchored to AAA's 2025 national average ($1,694/yr full coverage).
The Honda HR-V ranks #13 of 52 vehicles we track — mid-pack for annual maintenance cost.
Routine costs are fluid-and-wear driven: oil at 7,500-mile intervals, filters, brakes, and tires. Tires (set of 4) is the single largest routine bill at $750.
| Vehicle | Avg annual | 10-yr total | vs. HR-V |
|---|---|---|---|
| Honda HR-VThis page | $698 | $6,980 | — |
| Mazda CX-30 | $697 | $6,970 | −$1/yr |
| Subaru Crosstrek | $761 | $7,610 | +$63/yr |
| Honda CR-V | $819 | $8,185 | +$121/yr |
It is about average. The HR-V averages $698 a year in maintenance and typical repairs, ranking #13 of 52 vehicles on AutoCostIndex. That is mid-pack among vehicles we track.
$698 a year averaged over the first ten years — about $58 a month. Year 1 runs roughly $530; by year 10 the annual figure reaches $970. Ten-year total: $6,980.
The routine items are oil change (synthetic) (~$85), cabin + engine air filters (~$72), brake pads (front, pair) (~$280). Intervals and full pricing for every service are in the table on this page.
Fuel or charging, insurance (about $1,645 a year nationally for this vehicle), collision damage, parking, tolls, taxes, and registration. The figure covers scheduled maintenance plus typical age-related repairs, modeled per our methodology.
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Every figure on this page is a modeled estimate from the ACI maintenance model: each routine service is amortized per mile from its manufacturer-schedule interval, priced at independent-shop labor rates, with an age-based repair expectation on top. The method is open — the exact formula, its calibration against AAA's published ownership-cost study, and its limitations are on the methodology page. Your invoices will differ; the model sets expectations, it doesn't predict a single car.
REFERENCES: AAA — Your Driving Costs 2025 (fact sheet) · AAA — Average mechanic labor rates by state (2026) · NHTSA — Safety recalls lookup · Updated 2026-07-19