Honda CR-V Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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.

Estimated insurance prices for a Honda CR-V are $1,102 every 12 months for full coverage insurance. Comprehensive insurance costs on average $240, collision costs $362, and liability costs around $364. A policy with only liability insurance costs as low as $416 a year, with a high-risk policy costing $2,366 or more. Teenage drivers pay the most at $4,140 a year or more.

Average premium for full coverage: $1,102

Premium estimates by type of coverage:

Comprehensive $240
Collision $362
Liability $364

Includes $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all CR-V models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Honda CR-V go from the cheapest price of $416 for just liability coverage to the much higher price of $2,366 for high-risk insurance.

Liability Only $416
Full Coverage $1,102
High Risk $2,366

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $827
Small Cities $1,157
Large Cities $1,488

These rate differences illustrate why everyone should compare prices based on a specific location and their own driving history, instead of using average rates.

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.

Detailed Rate Analysis

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

  • The best discount rate is $648
  • Using higher $1,000 deductibles will save around $136 each year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,102
  • Using pricier low deductibles for physical damage coverage costs an extra $264 every year
  • Drivers who are prone to accidents and violations could pay upwards of $2,366 or more
  • An auto insurance policy to insure a teen driver for full coverage may cost $4,140 or more

View Chart as Image

Honda CR-V insurance cost comparison chart
Column chart showing full coverage Honda CR-V insurance prices range from $648 to $4,140

Car insurance prices for a Honda CR-V also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your CR-V.

Using high physical damage deductibles could cut prices by as much as $400 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $4,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,300 to $1,800 extra annually, depending on your age. Honda CR-V insurance for high-risk drivers can be as much as 43% to 131% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda CR-V insurance prices. A driver around age 40 might see prices as low as $720 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,490 on average in Michigan, New York, and Florida.

Honda CR-V Insurance Rates by State
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%

View Chart as Image

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

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

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 $1,052 $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.

Honda CR-V Insurance Rates by Model Year
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 Shop for the Cheapest Honda CR-V Insurance

Finding better rates on car insurance requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies, and also from several local insurance agents.

Below you'll find a recap of the material that was covered in the charts and tables above.

  • Policyholders who require more liability protection will pay an extra $400 annually to increase from 30/60 bodily injury limits to a 250/500 level
  • Youthful drivers are expensive to insure, with premiums being up to $345 per month if the policy includes full coverage
  • Higher risk drivers that have major violations or accidents pay on average $1,260 more each year than a low-risk driver
  • Increasing policy deductibles could save as much as $400 each year

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.

Free Car Insurance Comparison

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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

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%

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 $4,140
20 $2,514
30 $1,142
40 $1,102
50 $1,010
60 $990

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,366
$250 $1,244
$500 $1,102
$1,000 $966

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
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

Honda CR-V Insurance 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.

SR-22 Surcharge $149

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
Rate after discounts $648

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

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