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Honda CR-V Insurance Rates

Honda CR-V insurance

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.

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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
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,018-$110-9.8%
Alaska$864-$264-23.4%
Arizona$932-$196-17.4%
Arkansas$1,128-$00.0%
California$1,282$15413.7%
Colorado$1,074-$54-4.8%
Connecticut$1,154$262.3%
Delaware$1,270$14212.6%
Florida$1,404$27624.5%
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$40636.0%
Louisiana$1,666$53847.7%
Maine$694-$434-38.5%
Maryland$928-$200-17.7%
Massachusetts$896-$232-20.6%
Michigan$1,954$82673.2%
Minnesota$944-$184-16.3%
Mississippi$1,346$21819.3%
Missouri$1,000-$128-11.3%
Montana$1,208$807.1%
Nebraska$886-$242-21.5%
Nevada$1,350$22219.7%
New Hampshire$810-$318-28.2%
New Jersey$1,258$13011.5%
New Mexico$994-$134-11.9%
New York$1,184$565.0%
North Carolina$648-$480-42.6%
North Dakota$922-$206-18.3%
Ohio$774-$354-31.4%
Oklahoma$1,154$262.3%
Oregon$1,032-$96-8.5%
Pennsylvania$1,074-$54-4.8%
Rhode Island$1,500$37233.0%
South Carolina$1,020-$108-9.6%
South Dakota$950-$178-15.8%
Tennessee$984-$144-12.8%
Texas$1,358$23020.4%
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 TrimAnnual PremiumMonthly 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 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$268$392$332$1,128
2017 Honda CR-V$256$388$338$1,118
2016 Honda CR-V$248$378$354$1,116
2015 Honda CR-V$240$362$364$1,102
2014 Honda CR-V$226$350$376$1,088
2013 Honda CR-V$218$326$384$1,064
2012 Honda CR-V$208$306$388$1,038
2011 Honda CR-V$200$274$390$1,000
2010 Honda CR-V$188$252$390$966
2009 Honda CR-V$180$236$394$946
2008 Honda CR-V$176$220$402$934
2007 Honda CR-V$164$206$402$908
2006 Honda CR-V$158$186$406$886
2005 Honda CR-V$148$170$402$856
2004 Honda CR-V$140$154$402$832
2003 Honda CR-V$134$138$398$806
2002 Honda CR-V$132$136$390$794
2001 Honda CR-V$130$130$384$780
2000 Honda CR-V$120$124$380$760
1999 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

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Rates by Driver Age

Honda CR-V Insurance Rates by Driver Age
Driver AgePremium
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
DeductiblePremium
$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 LimitPremium
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
AgePremium
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.

DiscountSavings
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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