Honda CR-V EX 4WD Insurance Rates
Average insurance rates for a Honda CR-V EX 4WD are $1,176 a year including full coverage. Comprehensive costs on average $284, collision insurance costs $446, and liability coverage costs around $310. Liability-only coverage costs as low as $370 a year, and high-risk coverage costs around $2,512. Teenage drivers receive the highest rates at up to $4,266 a year.
Annual premium for full coverage: $1,176
Rate estimates by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Honda CR-V Trim Level
For a driver around age 40, prices range from the low end price of $370 for liability-only coverage to a much higher rate of $2,512 for a high-risk insurance policy.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These differences highlight why anyone shopping for car insurance should compare prices based on a specific location, rather than using average rates.
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Car insurance rates for a Honda CR-V EX 4WD can also vary considerably based on the model year, your driving record and age, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance can be around 45% to 133% more than a normal policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $4,200 a year. View Rates by Age
Where you live has a huge impact on Honda CR-V EX 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.
Using high physical damage deductibles could cut prices by as much as $490 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $279 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in prices, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes can be significantly different.
The chart above shows average Honda CR-V EX 4WD insurance prices for various risks and coverage choices. The cheapest price with discounts is $684. Drivers who use higher $1,000 deductibles will pay $1,010. The average price for a 40-year-old male driver using $500 deductibles is $1,176. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,494. Drivers with multiple violations and accidents could be charged as much as $2,512. The price for full coverage insurance for a teen driver can be as high as $4,266.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$85|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.