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Honda CR-V Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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What is the cost of a Honda CR-V? How much does it cost to insure a Honda CR-V? The average Honda CR-V insurance rates are $95 per month or $1,140 annually. 

Is a Honda CR-V expensive to insure compared to similar vehicles? While the price will vary depending on whether you are looking for the Honda CR-V 2018 insurance rates or the the cost of a Honda CR-V in 2017, the average price to insure a Honda CR-V is lower than other vehicles in the same car class. 

To save on your car insurance rates, read through our comprehensive breakdown of Honda CR-V insurance. You’ll learn how your Honda CR-V rates are calculated and we’ll show you how you can easily secure cheap car insurance premiums.

Ready to jump right into finding Honda CR-V insurance quotes? Simply enter your five-digit ZIP code into our FREE online quote tool above to receive competitive rates from insurance providers near you.

The average insurance rates for a Honda CR-V are $1,128 a year with full coverage. Comprehensive costs on average $268 a year, collision insurance costs $392, and liability costs around $332. A liability-only policy costs as low as $388 a year, and high-risk insurance costs around $2,404. Teens cost the most to insure at up to $4,136 a year.

Average premium for full coverage: $1,128

Policy rates by type of insurance:

Comprehensive $268
Collision $392
Liability $332

Includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and CR-V trim levels.

Price Range Variability

For the average driver, Honda CR-V insurance rates range from as low as $388 for just liability insurance to a high of $2,404 for a driver that may need high-risk insurance.

Liability Only $388
Full Coverage $1,128
High Risk $2,404

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts car insurance rates.

Rural Areas $846
Small Cities $1,184
Large Cities $1,523

The examples above demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below details average Honda CR-V insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $663
  • Using higher $1,000 deductibles will save around $978 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,128
  • Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,414
  • High-risk insureds with serious driving violations could pay upwards of $2,404
  • Policy cost for full coverage for a 16-year-old driver may cost $4,136 or more

View Chart as Image

Honda CR-V insurance cost comparison chart
Column chart showing Honda CR-V insurance rates range from $663 to $4,136 for full coverage

Car insurance rates for a Honda CR-V also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,100 a year. View Rates by Age

Your home state has a huge impact on Honda CR-V insurance prices. A driver around age 40 might see rates as low as $810 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,520 on average in Florida, Michigan, and New York.

Honda CR-V Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,018 -$110 -9.8%
Alaska $864 -$264 -23.4%
Arizona $932 -$196 -17.4%
Arkansas $1,128 -$0 0.0%
California $1,282 $154 13.7%
Colorado $1,074 -$54 -4.8%
Connecticut $1,154 $26 2.3%
Delaware $1,270 $142 12.6%
Florida $1,404 $276 24.5%
Georgia $1,042 -$86 -7.6%
Hawaii $808 -$320 -28.4%
Idaho $764 -$364 -32.3%
Illinois $838 -$290 -25.7%
Indiana $848 -$280 -24.8%
Iowa $758 -$370 -32.8%
Kansas $1,068 -$60 -5.3%
Kentucky $1,534 $406 36.0%
Louisiana $1,666 $538 47.7%
Maine $694 -$434 -38.5%
Maryland $928 -$200 -17.7%
Massachusetts $896 -$232 -20.6%
Michigan $1,954 $826 73.2%
Minnesota $944 -$184 -16.3%
Mississippi $1,346 $218 19.3%
Missouri $1,000 -$128 -11.3%
Montana $1,208 $80 7.1%
Nebraska $886 -$242 -21.5%
Nevada $1,350 $222 19.7%
New Hampshire $810 -$318 -28.2%
New Jersey $1,258 $130 11.5%
New Mexico $994 -$134 -11.9%
New York $1,184 $56 5.0%
North Carolina $648 -$480 -42.6%
North Dakota $922 -$206 -18.3%
Ohio $774 -$354 -31.4%
Oklahoma $1,154 $26 2.3%
Oregon $1,032 -$96 -8.5%
Pennsylvania $1,074 -$54 -4.8%
Rhode Island $1,500 $372 33.0%
South Carolina $1,020 -$108 -9.6%
South Dakota $950 -$178 -15.8%
Tennessee $984 -$144 -12.8%
Texas $1,358 $230 20.4%
Utah $834 -$294 -26.1%
Vermont $768 -$360 -31.9%
Virginia $672 -$456 -40.4%
Washington $868 -$260 -23.0%
West Virginia $1,032 -$96 -8.5%
Wisconsin $778 -$350 -31.0%
Wyoming $1,002 -$126 -11.2%

View Chart as Image

Honda CR-V insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $299 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,300 to $1,800 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 129% more than the average policy. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Honda CR-V Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda CR-V LX 2WD $1,072 $89
Honda CR-V EX 2WD $1,114 $93
Honda CR-V LX 4WD $1,114 $93
Honda CR-V EX 4WD $1,158 $97
Honda CR-V EX-L 2WD $1,170 $98
Honda CR-V EX-L 4WD $1,170 $98

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Honda CR-V Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Honda CR-V $268 $392 $332 $1,128
2019 Honda CR-V $256 $388 $338 $1,118
2018 Honda CR-V $248 $378 $354 $1,116
2017 Honda CR-V $240 $362 $364 $1,102
2016 Honda CR-V $226 $350 $376 $1,088
2015 Honda CR-V $218 $326 $384 $1,064
2014 Honda CR-V $208 $306 $388 $1,038
2013 Honda CR-V $200 $274 $390 $1,000
2012 Honda CR-V $188 $252 $390 $966
2011 Honda CR-V $180 $236 $394 $946
2010 Honda CR-V $176 $220 $402 $934
2009 Honda CR-V $164 $206 $402 $908
2008 Honda CR-V $158 $186 $406 $886
2007 Honda CR-V $148 $170 $402 $856
2006 Honda CR-V $140 $154 $402 $832
2005 Honda CR-V $134 $138 $398 $806
2004 Honda CR-V $132 $136 $390 $794
2003 Honda CR-V $130 $130 $384 $780
2002 Honda CR-V $120 $124 $380 $760
2001 Honda CR-V $116 $116 $376 $744

Rates are averaged for all Honda CR-V models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Cheapest Honda CR-V Insurance

Finding cheaper rates on insurance for a Honda CR-V requires avoiding accidents and claims, having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a recap of the data that was touched on above.

  • You may be able to save as much as $130 per year just by quoting early and online
  • Insureds who require increased liability limits will pay approximately $370 every year to increase from a 30/60 limit to 250/500 limits
  • Drivers under the age of 20 are expensive to insure, as much as $345 each month if full coverage is included
  • Drivers considered higher risk that have major violations or accidents may be required to pay an average of $1,280 more each year to insure a Honda CR-V

Wondering how much you should pay for a 2020 Honda CR-V? The starting market price is at $26,550. Is the Honda CR-V a good car? It’s a great compact SUV. But how many miles will a Honda CR-V last you? With consistent maintenance and care, it should last over 200K miles.

Following the tips above will help you lower the insurance costs for a Honda CR-V, whether it’s a new Honda CR-V or an old model. 

You can easily secure affordable Honda CR-V car insurance by getting quotes from multiple different companies. This will help you find out how much a Honda CR-V costs to insure, whether it’s for the 2018 Honda CR-V insurance costs, or the cheapest Honda CR-V 2015 insurance rates, or even a 2003 Honda CR-V price range.

Whatever the model year of your Honda CR-V, get quotes to reduce your rates. Use our free tool below to get started on finding Honda car insurance. You can even compare Honda CR-V 2013 insurance rates to Honda CR-v 2017 insurance rates.

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What are the safety ratings of the Honda CR-V?

Honda car insurance can be expensive if a vehicle has poor safety standards. The Honda CR-V has decent safety features, such as multiple airbags, brake assist, traction control, and lane departure warning and assist.

The Insurance Institute for Highway Safety (IIHS) also gave the 2020 Honda CR-V a 2020 Top Safety Pick award. See the IIHS test results below.

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

‘Good’ is the highest possible score given by the IIHS. Your car insurance rates will already reflect these nearly perfect safety ratings. 

Just keep in mind that different Honda CR-V model years will receive different safety ratings and crash test results. Therefore, we always recommend looking up the details about your specific vehicle model year and trim level for the most accuracy. 

Just like safety ratings, your car insurance rates will also be impacted by the Honda CR-V crash test results. 

In the table below, compare the different Honda CR-V crash test ratings over the years as performed by the National Highway Traffic Safety Administration (NHTSA).

Honda CR-V Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2021 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2021 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2021 Honda CR-V HYBRID SUV AWD5 stars5 stars5 stars4 stars
2020 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2020 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2020 Honda CR-V HYBRID SUV AWD5 stars5 stars5 stars4 stars
2019 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2019 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2018 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2018 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2017 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2016 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2016 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2015 Honda CR-V SUV FWD4 stars4 stars5 stars4 stars
2015 Honda CR-V SUV AWD4 stars4 stars5 stars4 stars
2014 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2014 Honda CR-V SUV 4WD5 stars5 stars5 stars4 stars
2013 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2013 Honda CR-V SUV 4WD5 stars5 stars5 stars4 stars
2012 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2012 Honda CR-V SUV 4WD5 stars5 stars5 stars4 stars
2011 Honda CR-V SUV FWD4 stars4 stars4 stars4 stars
2011 Honda CR-V SUV AWD4 stars4 stars4 stars4 stars
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A 5-star rating is the highest possible score given by the NHTSA. Overall, the Honda CR-V received stellar crash test ratings over the years. These results will help keep your car insurance rates on the lower side. 

Should you compare the Honda CR-V to other vehicles in the same class?

Are Honda CR-Vs expensive to insure with liability coverage? While this depends on factors like a driver’s age or the car model, as Honda Civic insurance for a 17-year-old will be pricier than insurance for a 60-year-old, liability rates mostly depend on the liability insurance losses of a vehicle.

The Honda CR-V is considered a small SUV, and the IIHS rated the Honda CR-V’s liability losses as substantially better than average. See more of the Honda CR-V insurance loss probability details in the table below.

Honda CR-V Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision-34%
Property Damage-37%
Comprehensive-23%
Personal Injury-14%
Medical Payment-19%
Bodily Injury-40%
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Keep in mind that the lower the percentage, the better the insurance loss ratio. Fortunately, the Honda CR-V is average or substantially better than average in every category.

If you want to see how Honda CR-V’s rates compare to other small SUVs, take a look at the cars below.

Shopping around to find good 2014 Honda CR-V car insurance quotes will be the best way to save on rates, whether you are looking for the insurance premium for a new Honda CR-V or the average CR-V prices paid for a model in 2017.

You are now ready to buy Honda CR-V car insurance. Always compare multiple quotes before you buy Honda CR-V car insurance. Remember, the best Honda CR-V car insurance company will provide you with competitive rates without compromising your coverage levels. 

Find the best and cheapest Honda CR-V car insurance rates right now, just by using our free online quote tool. Simply enter your ZIP code into our FREE quote tool to immediately receive quotes from multiple Honda CR-V car insurance companies.

References:

  1. https://www.iihs.org/ratings/vehicle/honda/cr-v-4-door-suv/2020
  2. https://www.nhtsa.gov/vehicle/2021/HONDA/CR-V/SUV/FWD

Rates by Driver Age

Honda CR-V Insurance Rates by Driver Age
Driver Age Premium
16 $4,136
20 $2,550
30 $1,174
40 $1,128
50 $1,028
60 $1,008

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,414
$250 $1,282
$500 $1,128
$1,000 $978

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,128
50/100 $1,236
100/300 $1,319
250/500 $1,535
100 CSL $1,270
300 CSL $1,452
500 CSL $1,585

Full coverage, driver age 40

Rates for High Risk Drivers

Honda CR-V Insurance Rates for High Risk Drivers
Age Premium
16 $5,888
20 $4,048
30 $2,458
40 $2,404
50 $2,290
60 $2,266

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 $150

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $57
Homeowner $17
5-yr Accident Free $79
5-yr Claim Free $71
Paid in Full/EFT $49
Advance Quote $53
Online Quote $79
Total Discounts $465
Rate after discounts $663

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

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