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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 30, 2021

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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.

Average insurance rates for a Honda CR-V are $1,118 a year for full coverage. Comprehensive costs on average $256 a year, collision costs $388, and liability insurance costs $338. A liability-only policy costs as little as $394 a year, with high-risk insurance costing around $2,396. Teen drivers receive the highest rates at $4,142 a year or more.

Average premium for full coverage: $1,118

Rate estimates by individual coverage type:

Comprehensive $256
Collision $388
Liability $338

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and CR-V trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $394 for only liability insurance to a high of $2,396 for a high risk driver.

Liability Only $394
Full Coverage $1,118
High Risk $2,396

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $839
Small Cities $1,174
Large Cities $1,509

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $655
  • Drivers who choose higher $1,000 deductibles will pay around $972 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,118
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,400
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,396 or more
  • The cost for full coverage for a teen driver may cost $4,142 a year

View Chart as Image

Honda CR-V insurance cost comparison chart
Column chart showing full coverage Honda CR-V insurance rates range from $655 to $4,142

for a Honda CR-V can also vary considerably based on your driver profile, the trim level of your CR-V, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,100 a year. View Rates by Age

Where you live makes a big difference in Honda CR-V insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Idaho, Maine, and Iowa, or as much as $1,600 on average in Michigan, Louisiana, and New York.

Honda CR-V Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,010 -$108 -9.7%
Alaska $858 -$260 -23.3%
Arizona $928 -$190 -17.0%
Arkansas $1,118 -$0 0.0%
California $1,274 $156 14.0%
Colorado $1,068 -$50 -4.5%
Connecticut $1,148 $30 2.7%
Delaware $1,266 $148 13.2%
Florida $1,398 $280 25.0%
Georgia $1,032 -$86 -7.7%
Hawaii $804 -$314 -28.1%
Idaho $758 -$360 -32.2%
Illinois $834 -$284 -25.4%
Indiana $844 -$274 -24.5%
Iowa $754 -$364 -32.6%
Kansas $1,062 -$56 -5.0%
Kentucky $1,526 $408 36.5%
Louisiana $1,656 $538 48.1%
Maine $692 -$426 -38.1%
Maryland $924 -$194 -17.4%
Massachusetts $892 -$226 -20.2%
Michigan $1,942 $824 73.7%
Minnesota $936 -$182 -16.3%
Mississippi $1,340 $222 19.9%
Missouri $992 -$126 -11.3%
Montana $1,202 $84 7.5%
Nebraska $880 -$238 -21.3%
Nevada $1,342 $224 20.0%
New Hampshire $806 -$312 -27.9%
New Jersey $1,250 $132 11.8%
New Mexico $990 -$128 -11.4%
New York $1,176 $58 5.2%
North Carolina $646 -$472 -42.2%
North Dakota $918 -$200 -17.9%
Ohio $772 -$346 -30.9%
Oklahoma $1,148 $30 2.7%
Oregon $1,026 -$92 -8.2%
Pennsylvania $1,066 -$52 -4.7%
Rhode Island $1,492 $374 33.5%
South Carolina $1,014 -$104 -9.3%
South Dakota $944 -$174 -15.6%
Tennessee $978 -$140 -12.5%
Texas $1,350 $232 20.8%
Utah $828 -$290 -25.9%
Vermont $766 -$352 -31.5%
Virginia $670 -$448 -40.1%
Washington $864 -$254 -22.7%
West Virginia $1,026 -$92 -8.2%
Wisconsin $772 -$346 -30.9%
Wyoming $996 -$122 -10.9%

View Chart as Image

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

Choosing high deductibles could save up to $430 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $304 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,300 to $1,800 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,064 $89
Honda CR-V EX 2WD $1,106 $92
Honda CR-V LX 4WD $1,106 $92
Honda CR-V EX 4WD $1,148 $96
Honda CR-V EX-L 2WD $1,162 $97
Honda CR-V EX-L 4WD $1,162 $97

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 $256 $388 $338 $1,118
2019 Honda CR-V $248 $378 $354 $1,116
2018 Honda CR-V $240 $362 $364 $1,102
2017 Honda CR-V $226 $350 $376 $1,088
2016 Honda CR-V $218 $326 $384 $1,064
2015 Honda CR-V $208 $306 $388 $1,038
2014 Honda CR-V $200 $274 $390 $1,000
2013 Honda CR-V $188 $252 $390 $966
2012 Honda CR-V $180 $236 $394 $946
2011 Honda CR-V $176 $220 $402 $934
2010 Honda CR-V $164 $206 $402 $908
2008 Honda CR-V $148 $170 $402 $856
2007 Honda CR-V $140 $154 $402 $832
2006 Honda CR-V $134 $138 $398 $806
2005 Honda CR-V $132 $136 $390 $794
2004 Honda CR-V $130 $130 $384 $780
2003 Honda CR-V $120 $124 $380 $760

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 Cheaper Honda CR-V Insurance

Saving money on Honda CR-V insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $425 each year
  • Drivers can save as much as $130 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $370 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $345 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,280 more each year for insurance

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
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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 $4,142
20 $2,546
30 $1,164
40 $1,118
50 $1,022
60 $1,002

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-V Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,400
$250 $1,272
$500 $1,118
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,118
50/100 $1,230
100/300 $1,314
250/500 $1,534
100 CSL $1,263
300 CSL $1,449
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 $5,896
20 $4,042
30 $2,446
40 $2,396
50 $2,282
60 $2,260

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 $59
Multi-vehicle $57
Homeowner $17
5-yr Accident Free $78
5-yr Claim Free $71
Paid in Full/EFT $49
Advance Quote $53
Online Quote $79
Total Discounts $463
Rate after discounts $655

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

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