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:
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.
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.
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.
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Recommended Companies for Cheap Honda CR-V EX-L 4WD Insurance
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.
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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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||$86|
|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.