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  4. LX 4WD

Honda CR-V LX 4WD Insurance Rates

U.S. average insurance prices for a Honda CR-V LX 4WD are $1,130 every 12 months including full coverage. Comprehensive costs around $270 each year, collision costs $414, and liability coverage costs around $310. Liability-only coverage costs as low as $370 a year, with high-risk coverage costing around $2,410. Teenage drivers pay the highest rates at $4,122 a year or more.

Annual premium for full coverage: $1,130

Price estimates for individual coverage:

Comprehensive $270
Collision $414
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 average 40-year-old driver, Honda CR-V LX 4WD insurance prices go from the cheapest price of $370 for basic liability insurance to a high rate of $2,410 for coverage for higher-risk drivers.

Liability Only $370
Full Coverage $1,130
High Risk $2,410

Geographic Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

Rural Areas $848
Small Cities $1,187
Large Cities $1,526

These price ranges highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

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Auto insurance rates for a Honda CR-V LX 4WD are also quite variable based on deductibles and policy limits, your driving characteristics, and the actual cash value of your CR-V.

Using high physical damage deductibles could cut rates by as much as $460 a year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $279 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,100 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,800 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 44% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Honda CR-V LX 4WD insurance rates. A driver around age 40 might see rates 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.

Since rates can be so different, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different.

View Chart as Image

Honda CR-V LX 4WD insurance cost comparison chart
Column chart showing Honda CR-V LX 4WD insurance prices range from $661 to $4,122 for full coverage

The chart above shows average Honda CR-V LX 4WD insurance rates for different coverage choices and risks. The cheapest rate with discounts is $661. Drivers who use higher $1,000 deductibles will pay $974. The average rate for a driver age 40 with no violations using $500 deductibles is $1,130. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,430. Drivers with multiple violations and accidents could be charged at least $2,410. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $4,122.

Honda CR-V LX 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,020-$110-9.7%
Alaska$864-$266-23.5%
Arizona$936-$194-17.2%
Arkansas$1,130-$00.0%
California$1,286$15613.8%
Colorado$1,076-$54-4.8%
Connecticut$1,158$282.5%
Delaware$1,276$14612.9%
Florida$1,408$27824.6%
Georgia$1,044-$86-7.6%
Hawaii$810-$320-28.3%
Idaho$766-$364-32.2%
Illinois$840-$290-25.7%
Indiana$850-$280-24.8%
Iowa$762-$368-32.6%
Kansas$1,072-$58-5.1%
Kentucky$1,540$41036.3%
Louisiana$1,672$54248.0%
Maine$696-$434-38.4%
Maryland$932-$198-17.5%
Massachusetts$898-$232-20.5%
Michigan$1,958$82873.3%
Minnesota$944-$186-16.5%
Mississippi$1,352$22219.6%
Missouri$1,000-$130-11.5%
Montana$1,212$827.3%
Nebraska$890-$240-21.2%
Nevada$1,352$22219.6%
New Hampshire$814-$316-28.0%
New Jersey$1,262$13211.7%
New Mexico$998-$132-11.7%
New York$1,190$605.3%
North Carolina$650-$480-42.5%
North Dakota$924-$206-18.2%
Ohio$778-$352-31.2%
Oklahoma$1,158$282.5%
Oregon$1,034-$96-8.5%
Pennsylvania$1,074-$56-5.0%
Rhode Island$1,506$37633.3%
South Carolina$1,024-$106-9.4%
South Dakota$950-$180-15.9%
Tennessee$988-$142-12.6%
Texas$1,360$23020.4%
Utah$834-$296-26.2%
Vermont$772-$358-31.7%
Virginia$676-$454-40.2%
Washington$872-$258-22.8%
West Virginia$1,036-$94-8.3%
Wisconsin$780-$350-31.0%
Wyoming$1,006-$124-11.0%

View Chart as Image

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

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Rates by Driver Age

Honda CR-V LX 4WD Insurance Rates by Driver Age
Driver AgePremium
16$4,122
20$2,564
30$1,180
40$1,130
50$1,030
60$1,010

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-V LX 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,430
$250$1,292
$500$1,130
$1,000$974

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V LX 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,130
50/100$1,192
100/300$1,270
250/500$1,471
100 CSL$1,223
300 CSL$1,394
500 CSL$1,518

Full coverage, driver age 40

Rates for High Risk Drivers

Honda CR-V LX 4WD Insurance Rates for High Risk Drivers
AgePremium
16$5,872
20$4,064
30$2,468
40$2,410
50$2,296
60$2,274

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 $151

Potential Rate Discounts

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

DiscountSavings
Multi-policy$60
Multi-vehicle$56
Homeowner$16
5-yr Accident Free$81
5-yr Claim Free$71
Paid in Full/EFT$51
Advance Quote$54
Online Quote$80
Total Discounts$469
Rate after discounts $661

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

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