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  4. EX-L 4WD

Honda CR-V EX-L 4WD Insurance Rates

The average insurance rates for a Honda CR-V EX-L 4WD are $1,190 a year for full coverage insurance. Comprehensive costs around $298 each year, collision costs $446, and liability insurance costs around $310. Buying just liability costs as low as $370 a year, with insurance for high-risk drivers costing around $2,534. Teenage drivers cost the most to insure at $4,286 a year or more.

Annual premium for full coverage: $1,190

Policy rates for individual coverage:

Comprehensive $298
Collision $446
Liability $310

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 the normal driver, Honda CR-V EX-L 4WD insurance rates go from the low end price of $370 for just liability insurance to a high rate of $2,534 for a driver who requires high-risk insurance.

Liability Only $370
Full Coverage $1,190
High Risk $2,534

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

Rural Areas $893
Small Cities $1,250
Large Cities $1,607

These price differences illustrate why all drivers should compare prices for a specific zip code, rather than relying on average rates.

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.

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Insurance rates for a Honda CR-V EX-L 4WD also range considerably based on the actual cash value of your CR-V, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,200 a year. View Rates by Age

Your home state has a huge impact on Honda CR-V EX-L 4WD insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $500 each year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $279 more per year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, so the rates will be varied.

View Chart as Image

Honda CR-V EX-L 4WD insurance cost comparison chart
Column chart showing Honda CR-V EX-L 4WD insurance prices range from $695 to $4,286 for full coverage

The chart estimates Honda CR-V EX-L 4WD insurance prices for different risks and coverage choices. The lowest price with discounts is $695. Drivers who use higher $1,000 deductibles will pay $1,022. The average price for a driver age 40 with no violations using $500 deductibles is $1,190. Using lower $100 deductibles for physical damage coverage could cost up to $1,514. Drivers with multiple violations and accidents could be charged around $2,534. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $4,286.

Honda CR-V EX-L 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,074-$116-9.7%
Alaska$912-$278-23.4%
Arizona$986-$204-17.1%
Arkansas$1,190-$00.0%
California$1,354$16413.8%
Colorado$1,134-$56-4.7%
Connecticut$1,220$302.5%
Delaware$1,344$15412.9%
Florida$1,484$29424.7%
Georgia$1,100-$90-7.6%
Hawaii$854-$336-28.2%
Idaho$806-$384-32.3%
Illinois$884-$306-25.7%
Indiana$896-$294-24.7%
Iowa$800-$390-32.8%
Kansas$1,128-$62-5.2%
Kentucky$1,622$43236.3%
Louisiana$1,758$56847.7%
Maine$732-$458-38.5%
Maryland$980-$210-17.6%
Massachusetts$946-$244-20.5%
Michigan$2,060$87073.1%
Minnesota$994-$196-16.5%
Mississippi$1,424$23419.7%
Missouri$1,056-$134-11.3%
Montana$1,276$867.2%
Nebraska$936-$254-21.3%
Nevada$1,424$23419.7%
New Hampshire$856-$334-28.1%
New Jersey$1,330$14011.8%
New Mexico$1,050-$140-11.8%
New York$1,250$605.0%
North Carolina$684-$506-42.5%
North Dakota$972-$218-18.3%
Ohio$820-$370-31.1%
Oklahoma$1,218$282.4%
Oregon$1,090-$100-8.4%
Pennsylvania$1,130-$60-5.0%
Rhode Island$1,584$39433.1%
South Carolina$1,078-$112-9.4%
South Dakota$1,002-$188-15.8%
Tennessee$1,040-$150-12.6%
Texas$1,432$24220.3%
Utah$880-$310-26.1%
Vermont$812-$378-31.8%
Virginia$712-$478-40.2%
Washington$916-$274-23.0%
West Virginia$1,090-$100-8.4%
Wisconsin$820-$370-31.1%
Wyoming$1,058-$132-11.1%

View Chart as Image

Honda CR-V EX-L 4WD insurance rates by U.S. city

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Rates by Driver Age

Honda CR-V EX-L 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,286
20$2,692
30$1,244
40$1,190
50$1,084
60$1,062

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-V EX-L 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,514
$250$1,366
$500$1,190
$1,000$1,022

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V EX-L 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,190
50/100$1,252
100/300$1,330
250/500$1,531
100 CSL$1,283
300 CSL$1,454
500 CSL$1,578

Full coverage, driver age 40

Rates for High Risk Drivers

Honda CR-V EX-L 4WD Insurance Rates for High Risk Drivers
AgePremium
16$6,116
20$4,264
30$2,596
40$2,534
50$2,414
60$2,388

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 $158

Potential Rate Discounts

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

DiscountSavings
Multi-policy$63
Multi-vehicle$59
Homeowner$17
5-yr Accident Free$86
5-yr Claim Free$75
Paid in Full/EFT$54
Advance Quote$57
Online Quote$84
Total Discounts$495
Rate after discounts $695

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

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