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Honda CR-V Insurance Rates

Honda CR-V insurance

The average insurance rates for a Honda CR-V are $1,080 a year with full coverage. Comprehensive costs on average $266 a year, collision insurance costs $386, and liability costs around $300. A liability-only policy costs as low as $356 a year, and high-risk insurance costs around $2,306. Teens cost the most to insure at up to $3,938 a year.

Average premium for full coverage: $1,080

Policy rates by type of insurance:

Comprehensive $266
Collision $386
Liability $300

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 $356 for just liability insurance to a high of $2,306 for a driver that may need high-risk insurance.

Liability Only $356
Full Coverage $1,080
High Risk $2,306

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 $810
Small Cities $1,134
Large Cities $1,458

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.

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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 $634
  • Using higher $1,000 deductibles will save around $932 annually
  • The average rate for a good driver age 40 with $500 deductibles is $1,080
  • Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,364
  • High-risk insureds with serious driving violations could pay upwards of $2,306
  • Policy cost for full coverage for a 16-year-old driver may cost $3,938 or more

View Chart as Image

Honda CR-V insurance cost comparison chart
Column chart showing Honda CR-V insurance rates range from $634 to $3,938 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 $1,000 a year, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $3,900 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 $870 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,620 on average in Florida, Michigan, and New York.

Honda CR-V Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,040-$40-3.7%
Alaska$886-$194-18.0%
Arizona$1,086$60.6%
Arkansas$1,096$161.5%
California$1,216$13612.6%
Colorado$1,122$423.9%
Connecticut$1,418$33831.3%
Delaware$1,316$23621.9%
Florida$1,462$38235.4%
Georgia$1,074-$6-0.6%
Hawaii$1,168$888.1%
Idaho$756-$324-30.0%
Illinois$804-$276-25.6%
Indiana$772-$308-28.5%
Iowa$814-$266-24.6%
Kansas$994-$86-8.0%
Kentucky$1,404$32430.0%
Louisiana$1,754$67462.4%
Maine$740-$340-31.5%
Maryland$1,114$343.1%
Massachusetts$952-$128-11.9%
Michigan$1,986$90683.9%
Minnesota$952-$128-11.9%
Mississippi$1,058-$22-2.0%
Missouri$924-$156-14.4%
Montana$980-$100-9.3%
Nebraska$892-$188-17.4%
Nevada$1,398$31829.4%
New Hampshire$882-$198-18.3%
New Jersey$1,080-$00.0%
New Mexico$1,002-$78-7.2%
New York$1,408$32830.4%
North Carolina$768-$312-28.9%
North Dakota$1,054-$26-2.4%
Ohio$762-$318-29.4%
Oklahoma$1,316$23621.9%
Oregon$1,014-$66-6.1%
Pennsylvania$1,218$13812.8%
Rhode Island$1,314$23421.7%
South Carolina$1,006-$74-6.9%
South Dakota$848-$232-21.5%
Tennessee$974-$106-9.8%
Texas$1,042-$38-3.5%
Utah$960-$120-11.1%
Vermont$772-$308-28.5%
Virginia$778-$302-28.0%
Washington$952-$128-11.9%
West Virginia$1,102$222.0%
Wisconsin$1,102$222.0%
Wyoming$1,196$11610.7%

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 $270 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 $1,700 extra every year, depending on your age. A high-risk auto insurance policy can be from 43% to 135% 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 TrimAnnual PremiumMonthly Premium
Honda CR-V LX 2WD$1,024$85
Honda CR-V EX 2WD$1,068$89
Honda CR-V LX 4WD$1,068$89
Honda CR-V EX 4WD$1,110$93
Honda CR-V EX-L 2WD$1,124$94
Honda CR-V EX-L 4WD$1,124$94

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Honda CR-V$266$386$300$1,080
2017 Honda CR-V$254$372$314$1,068
2016 Honda CR-V$244$368$322$1,062
2015 Honda CR-V$236$360$336$1,060
2014 Honda CR-V$228$344$346$1,046
2013 Honda CR-V$214$332$358$1,032
2012 Honda CR-V$206$308$364$1,006
2011 Honda CR-V$198$290$368$984
2010 Honda CR-V$190$260$372$950
2009 Honda CR-V$178$240$372$918
2008 Honda CR-V$172$224$374$898
2007 Honda CR-V$168$210$382$888
2006 Honda CR-V$154$194$382$858
2005 Honda CR-V$150$176$386$840
2004 Honda CR-V$140$162$382$812
2003 Honda CR-V$132$146$382$788
2002 Honda CR-V$128$132$378$766
2001 Honda CR-V$126$128$372$754
2000 Honda CR-V$124$122$364$738
1999 Honda CR-V$114$116$360$718

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 $330 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 $328 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 $1,230 more each year to insure a Honda CR-V

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Rates by Driver Age

Honda CR-V Insurance Rates by Driver Age
Driver AgePremium
16$3,938
20$2,448
30$1,128
40$1,080
50$986
60$966

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-V Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,364
$250$1,236
$500$1,080
$1,000$932

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,080
50/100$1,184
100/300$1,259
250/500$1,454
100 CSL$1,214
300 CSL$1,379
500 CSL$1,499

Full coverage, driver age 40

Rates for High Risk Drivers

Honda CR-V Insurance Rates for High Risk Drivers
AgePremium
16$5,610
20$3,882
30$2,358
40$2,306
50$2,196
60$2,174

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 $143

Potential Rate Discounts

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

DiscountSavings
Multi-policy$57
Multi-vehicle$54
Homeowner$16
5-yr Accident Free$76
5-yr Claim Free$68
Paid in Full/EFT$48
Advance Quote$51
Online Quote$76
Total Discounts$446
Rate after discounts $634

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

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