Honda CR-V Insurance Rates
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UPDATED: Jun 6, 2023
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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 $1,102 a year with full coverage. Comprehensive insurance costs approximately $240, collision costs $362, and liability is estimated at $364. A liability-only policy costs approximately $416 a year, with high-risk insurance costing $2,366 or more. Teens cost the most to insure at $4,140 a year or more.
Average premium for full coverage: $1,102
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different CR-V trim levels.
Price Range Variability
For a driver in their 40's, Honda CR-V insurance rates go from as low as $416 for just the minimum liability insurance to a much higher rate of $2,366 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance prices.
The examples above demonstrate why anyone shopping for car insurance should get quotes using their 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.
Additional Rate Analysis
The chart below details estimated Honda CR-V insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $648
- Choosing higher $1,000 deductibles can save $136 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,102
- Selecting more expensive low deductibles for comp and collision coverage will cost an extra $264 annually
- Higher-risk drivers with serious driving violations could pay around $2,366 or more
- Policy cost for full coverage for a 16-year-old driver with full coverage can cost $4,140 each year
Car insurance rates for a Honda CR-V also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $4,100 a year. View Rates by Age
Your home state plays a big part in determining prices for Honda CR-V insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,490 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $996 | -$106 | -9.6% |
Alaska | $846 | -$256 | -23.2% |
Arizona | $914 | -$188 | -17.1% |
Arkansas | $1,102 | -$0 | 0.0% |
California | $1,256 | $154 | 14.0% |
Colorado | $1,050 | -$52 | -4.7% |
Connecticut | $1,130 | $28 | 2.5% |
Delaware | $1,244 | $142 | 12.9% |
Florida | $1,376 | $274 | 24.9% |
Georgia | $1,020 | -$82 | -7.4% |
Hawaii | $792 | -$310 | -28.1% |
Idaho | $748 | -$354 | -32.1% |
Illinois | $820 | -$282 | -25.6% |
Indiana | $832 | -$270 | -24.5% |
Iowa | $744 | -$358 | -32.5% |
Kansas | $1,046 | -$56 | -5.1% |
Kentucky | $1,504 | $402 | 36.5% |
Louisiana | $1,632 | $530 | 48.1% |
Maine | $682 | -$420 | -38.1% |
Maryland | $912 | -$190 | -17.2% |
Massachusetts | $880 | -$222 | -20.1% |
Michigan | $1,914 | $812 | 73.7% |
Minnesota | $924 | -$178 | -16.2% |
Mississippi | $1,320 | $218 | 19.8% |
Missouri | $978 | -$124 | -11.3% |
Montana | $1,184 | $82 | 7.4% |
Nebraska | $868 | -$234 | -21.2% |
Nevada | $1,322 | $220 | 20.0% |
New Hampshire | $794 | -$308 | -27.9% |
New Jersey | $1,234 | $132 | 12.0% |
New Mexico | $976 | -$126 | -11.4% |
New York | $1,160 | $58 | 5.3% |
North Carolina | $634 | -$468 | -42.5% |
North Dakota | $904 | -$198 | -18.0% |
Ohio | $760 | -$342 | -31.0% |
Oklahoma | $1,130 | $28 | 2.5% |
Oregon | $1,010 | -$92 | -8.3% |
Pennsylvania | $1,050 | -$52 | -4.7% |
Rhode Island | $1,468 | $366 | 33.2% |
South Carolina | $998 | -$104 | -9.4% |
South Dakota | $930 | -$172 | -15.6% |
Tennessee | $966 | -$136 | -12.3% |
Texas | $1,330 | $228 | 20.7% |
Utah | $814 | -$288 | -26.1% |
Vermont | $754 | -$348 | -31.6% |
Virginia | $660 | -$442 | -40.1% |
Washington | $850 | -$252 | -22.9% |
West Virginia | $1,010 | -$92 | -8.3% |
Wisconsin | $762 | -$340 | -30.9% |
Wyoming | $980 | -$122 | -11.1% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $400 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 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 anywhere from $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 131% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Honda CR-V LX 2WD | $1,052 | $88 |
Honda CR-V EX 2WD | $1,090 | $91 |
Honda CR-V LX 4WD | $1,090 | $91 |
Honda CR-V EX 4WD | $1,130 | $94 |
Honda CR-V EX-L 2WD | $1,140 | $95 |
Honda CR-V EX-L 4WD | $1,140 | $95 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Honda CR-V | $240 | $362 | $364 | $1,102 |
2019 Honda CR-V | $226 | $350 | $376 | $1,088 |
2018 Honda CR-V | $218 | $326 | $384 | $1,064 |
2017 Honda CR-V | $208 | $306 | $388 | $1,038 |
2016 Honda CR-V | $200 | $274 | $390 | $1,000 |
2015 Honda CR-V | $188 | $252 | $390 | $966 |
2014 Honda CR-V | $180 | $236 | $394 | $946 |
2013 Honda CR-V | $176 | $220 | $402 | $934 |
2012 Honda CR-V | $164 | $206 | $402 | $908 |
2011 Honda CR-V | $158 | $186 | $406 | $886 |
2010 Honda CR-V | $148 | $170 | $402 | $856 |
2008 Honda CR-V | $134 | $138 | $398 | $806 |
2007 Honda CR-V | $132 | $136 | $390 | $794 |
2006 Honda CR-V | $130 | $130 | $384 | $780 |
2005 Honda CR-V | $120 | $124 | $380 | $760 |
2004 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 Affordable Honda CR-V Insurance
Finding cheaper rates on insurance for a Honda CR-V takes having a decent driving record, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a brief review of the ideas that were covered in the charts and tables above.
- 16 to 18-year-old drivers pay the highest auto insurance rates, as much as $345 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,260 more per year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $400 each year
- You may be able to save around $130 per year simply by shopping early and online
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).
Vehicle Tested Overall Frontal Side Rollover
2021 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2021 Honda CR-V SUV AWD 5 stars 5 stars 5 stars 4 stars
2021 Honda CR-V HYBRID SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2020 Honda CR-V SUV AWD 5 stars 5 stars 5 stars 4 stars
2020 Honda CR-V HYBRID SUV AWD 5 stars 5 stars 5 stars 4 stars
2019 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2019 Honda CR-V SUV AWD 5 stars 5 stars 5 stars 4 stars
2018 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2018 Honda CR-V SUV AWD 5 stars 5 stars 5 stars 4 stars
2017 Honda CR-V SUV AWD 5 stars 5 stars 5 stars 4 stars
2016 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2016 Honda CR-V SUV AWD 5 stars 5 stars 5 stars 4 stars
2015 Honda CR-V SUV FWD 4 stars 4 stars 5 stars 4 stars
2015 Honda CR-V SUV AWD 4 stars 4 stars 5 stars 4 stars
2014 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2014 Honda CR-V SUV 4WD 5 stars 5 stars 5 stars 4 stars
2013 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2013 Honda CR-V SUV 4WD 5 stars 5 stars 5 stars 4 stars
2012 Honda CR-V SUV FWD 5 stars 5 stars 5 stars 4 stars
2012 Honda CR-V SUV 4WD 5 stars 5 stars 5 stars 4 stars
2011 Honda CR-V SUV FWD 4 stars 4 stars 4 stars 4 stars
2011 Honda CR-V SUV AWD 4 stars 4 stars 4 stars 4 stars
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.
Insurance Coverage Category Loss Rate
Collision -34%
Property Damage -37%
Comprehensive -23%
Personal Injury -14%
Medical Payment -19%
Bodily Injury -40%
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:
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,140 |
20 | $2,514 |
30 | $1,142 |
40 | $1,102 |
50 | $1,010 |
60 | $990 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,366 |
$250 | $1,244 |
$500 | $1,102 |
$1,000 | $966 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,102 |
50/100 | $1,213 |
100/300 | $1,304 |
250/500 | $1,540 |
100 CSL | $1,249 |
300 CSL | $1,449 |
500 CSL | $1,595 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,890 |
20 | $3,994 |
30 | $2,410 |
40 | $2,366 |
50 | $2,256 |
60 | $2,234 |
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.
Discount | Savings |
---|---|
Multi-policy | $58 |
Multi-vehicle | $57 |
Homeowner | $17 |
5-yr Accident Free | $76 |
5-yr Claim Free | $70 |
Paid in Full/EFT | $47 |
Advance Quote | $52 |
Online Quote | $77 |
Total Discounts | $454 |
Discounts are estimated and may not be available from every company or in every state.
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