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2008 Honda CR-V Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2008 Honda CR-V are $886 a year for full coverage. Comprehensive insurance costs an estimated $158, collision costs $186, and liability costs around $406. Buying a liability-only policy costs as low as $450 a year, with high-risk insurance costing $1,898 or more. Teen drivers receive the highest rates at $3,524 a year or more.

Annual premium for full coverage: $886

Rate estimates for 2008 Honda CR-V Insurance

Comprehensive $158
Collision $186
Liability $406

Rate data is compiled from all 50 U.S. states and averaged for all 2008 Honda CR-V models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $450 for only liability insurance to the much higher price of $1,898 for a driver who has had serious violations or accidents.

Liability Only $450
Full Coverage $886
High Risk $1,898

View Chart as Image

2008 Honda CR-V insurance rates compared
Column chart showing 2008 Honda CR-V insurance prices range from $540 to $3,524 for full coverage

These differences show why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2008 Honda CR-V Insurance

Searching Companies

Searching for lower insurance coverage rates for your Honda CR-V? Are you a victim of overpriced insurance coverage? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Big companies like Progressive, GEICO and Farmers Insurance persitently shower you with advertising and it is difficult to ignore the flashy ads and effectively compare rates to find the best deal.

It’s smart to price shop coverage quite often since rates are constantly changing. If you had the lowest price on CR-V insurance last year you will most likely find a better rate today. Block out anything you think you know about insurance coverage because you’re about to learn one of the easiest ways to get good coverage at a lower rate.

Fast and Easy Insurance Quotes

There are several ways to shop for Honda CR-V insurance, but there is one way that is easier and takes less work. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Most major companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company returns a competitive quote for coverage. This prevents consumers from doing quote requests to each individual insurance company.

To find out how much you can save on insurance click to open in new window.

The only downside to using this type of form is you don’t know exactly the providers you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of insurance companies in your area. View list of insurance companies.

However you get your quotes, ensure you’re using identical quote information for every company. If your comparisons have unequal deductibles or liability limits it’s impossible to make a fair comparison for your Honda CR-V.

How to save on Honda CR-V insurance

Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. A few discounts will automatically apply when you complete an application, but less common discounts must be asked about prior to receiving the credit. If you don’t get every credit available, you’re just leaving money on the table.

  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on CR-V insurance than their less cautious counterparts.
  • Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Student Driver Training – Have your child enroll in driver’s education in high school.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current policy expires. The savings is around 10%.
  • Defensive Driver – Successfully completing a defensive driving course could save 5% or more if your company offers it.

It’s important to understand that most credits do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But any discount will help reduce your premiums.

Car insurance companies that possibly offer these benefits are:

  • Progressive
  • AAA
  • Farmers Insurance
  • Esurance
  • State Farm

Check with every prospective company which discounts they offer. All car insurance discounts might not be offered in your state.

Free Auto Insurance Comparison

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Tailor your coverage to you

When it comes to buying adequate coverage, there really is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. For instance, these questions can aid in determining whether you would benefit from an agent’s advice.

  • What is the minimum liability in my state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Why am I required to buy liability insurance?
  • Should I have a commercial auto policy?
  • What are the financial responsibility laws in my state?
  • What is the difference between comprehensive and collision coverage?
  • Is a fancy paint job covered?
  • Am I covered if I hit my neighbor’s mailbox?
  • How many claims can I have before being canceled?
  • Is upholstery damage covered by car insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Insurance coverage basics

Knowing the specifics of insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average insurance policy.


Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like bail bonds, pain and suffering, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2008 Honda CR-V.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, falling objects, damage from flooding, theft and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses for things like doctor visits, nursing services, dental work, hospital visits and prosthetic devices. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision coverage

This coverage will pay to fix damage to your CR-V from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Honda CR-V Insurance Rates by City
City Premium
New York City, NY $1,401
Los Angeles, CA $1,512
Philadelphia, PA $1,182
Jacksonville, FL $1,283
Phoenix, AZ $1,028
Chicago, IL $1,184
Houston, TX $1,388
Seattle, WA $862
Columbus, OH $738
Indianapolis, IN $755

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Honda CR-V Insurance Rates by Driver Age
Driver Age Premium
16 $3,524
20 $2,010
30 $902
40 $886
50 $814
60 $798

Full coverage, $500 deductibles

Rates by Deductible

2008 Honda CR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,036
$250 $968
$500 $886
$1,000 $808

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $886
50/100 $967
100/300 $1,069
250/500 $1,333
100 CSL $1,008
300 CSL $1,231
500 CSL $1,394

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Honda CR-V Insurance Rates for High Risk Drivers
Age Premium
16 $4,964
20 $3,198
30 $1,914
40 $1,898
50 $1,812
60 $1,792

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $117

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $47
Homeowner $16
5-yr Accident Free $53
5-yr Claim Free $55
Paid in Full/EFT $32
Advance Quote $38
Online Quote $60
Total Discounts $346
Rate after discounts $540

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2008 Honda CR-V Insurance Rates by State
State Premium
Alabama $800
Alaska $680
Arizona $734
Arkansas $886
California $1,008
Colorado $846
Connecticut $910
Delaware $1,002
Florida $1,106
Georgia $818
Hawaii $638
Idaho $600
Illinois $658
Indiana $668
Iowa $598
Kansas $840
Kentucky $1,208
Louisiana $1,312
Maine $546
Maryland $730
Massachusetts $704
Michigan $1,538
Minnesota $742
Mississippi $1,060
Missouri $786
Montana $950
Nebraska $698
Nevada $1,062
New Hampshire $638
New Jersey $992
New Mexico $782
New York $934
North Carolina $512
North Dakota $726
Ohio $610
Oklahoma $908
Oregon $812
Pennsylvania $844
Rhode Island $1,182
South Carolina $804
South Dakota $748
Tennessee $774
Texas $1,068
Utah $656
Vermont $606
Virginia $532
Washington $684
West Virginia $812
Wisconsin $610
Wyoming $790

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