Honda CR-V LX 4WD Insurance Rates
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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:
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.
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.
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.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Honda CR-V LX 4WD Insurance
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.
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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||$81|
|5-yr Claim Free||$71|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.
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