Question 1

How much is Honda HR-V insurance per year?

Accepted Answer

Honda HR-V comprehensive insurance costs RM2,600-4,050 per year at 0% NCD depending on variant. With maximum 55% NCD, you could pay as low as RM1,170-1,825. The S (NA) is cheapest to insure, while the e:HEV RS hybrid is the most expensive.

Question 2

NA vs Turbo vs Hybrid - which is cheapest to insure?

Accepted Answer

The 1.5L S (NA) is cheapest due to lowest car value, at ~RM1,170-1,350/year (55% NCD). The e:HEV RS hybrid is highest at ~RM1,530-1,825/year. The difference is about RM350-500/year between the cheapest and most expensive variants.

Question 3

Is Honda Sensing calibration covered after repairs?

Accepted Answer

With quality insurers like Allianz and Zurich, yes. All HR-V variants have full Honda Sensing that needs calibration (RM300-600) after front-end repairs or windscreen replacement. Budget insurers often exclude this - confirm before purchasing your policy.

Question 4

Is the HR-V hybrid worth the higher insurance?

Accepted Answer

The e:HEV RS costs about RM350-500/year more to insure than the S variant. However, fuel savings (~4.1L/100km vs 6.7L/100km) can offset this if you drive 15,000+ km/year. The hybrid also has an 8-year battery warranty from Honda.

Question 5

HR-V vs CR-V - which is cheaper to insure?

Accepted Answer

HR-V is about RM300-500/year cheaper than CR-V at 55% NCD. Both have Honda Sensing standard. If you don't need the CR-V's larger size, HR-V gives you similar Honda quality and safety with lower insurance costs.

Question 6

HR-V vs Proton X50 - insurance comparison?

Accepted Answer

HR-V insurance is RM300-500/year higher than X50 due to higher car value (RM116k-144k vs RM86k-113k). However, HR-V has full Honda Sensing standard on all variants while X50's ADAS level varies. Both are competitive B-segment SUV choices.

Question 7

Should I get agreed value for my HR-V?

Accepted Answer

Recommended in the first 2-3 years. HR-V holds value well but still depreciates. Agreed value locks in your payout if the car is totaled, protecting against under-compensation on a RM116k-144k vehicle. Premium increase of 5-15% is usually worth the certainty.

Question 8

Can any workshop repair my HR-V?

Accepted Answer

For general body work, yes. But Honda Sensing calibration requires equipped workshops, and e:HEV hybrid repairs require hybrid-certified technicians. Post-warranty, quality independent workshops are fine for most repairs - just confirm ADAS calibration capability.

HR-V Variant	Engine	Market Value	Comprehensive	Third Party
HR-V 1.5L S	1.5L NA (121 PS)	RM92,500	RM2,600-3,000/year	RM280-380/year
HR-V 1.5L Turbo E	1.5L Turbo (182 PS)	RM105,000	RM2,900-3,450/year	RM300-400/year
HR-V 1.5L Turbo V	1.5L Turbo (182 PS)	RM115,000	RM3,200-3,750/year	RM320-430/year
HR-V e:HEV RS	1.5L Hybrid e:HEV (131 PS)	RM122,500	RM3,400-4,050/year	RM340-460/year

Feature	Comprehensive	Third Party
Price for HR-V	RM2,600-4,050/year	RM280-460/year
Own Damage Cover
Theft Protection
Third Party Liability
Best For	New/financed HR-V (under 8 years old)	Old HR-V (8+ years old)

HR-V Insurance Price Malaysia 2026

Honda HR-V

HR-V Insurance Price Comparison 2026

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