Honda CR-V Insurance Rates

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.

U.S. average auto insurance rates for a Honda CR-V are $1,102 annually for full coverage. Comprehensive insurance costs an estimated $240, collision costs $362, and liability coverage costs around $364. Liability-only insurance costs as low as $416 a year, with high-risk driver insurance costing $2,366 or more. Teenage drivers pay the highest rates at $4,140 a year or more.

Average premium for full coverage: $1,102

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Insurance Rate Analysis

The chart below shows estimated Honda CR-V insurance rates for other coverage scenarios.

• The best discount rate is $648
• Using higher $1,000 deductibles will save approximately $136 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,102
• Using more expensive low deductibles for physical damage coverage costs an additional $264 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,366 or more
• The price with full coverage for a teenage driver with full coverage can cost as much as $4,140 or more

View Chart as Image

Car insurance prices for a Honda CR-V are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,000 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,300 to $1,800 extra each year, depending on your age. High-risk driver insurance can be around 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $400 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Honda CR-V insurance rates. A driver around age 40 might see prices as low as $730 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,570 on average in New York, Louisiana, and Michigan.

View Chart as Image

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Cheapest Honda CR-V Insurance

Getting lower rates on auto insurance requires being a safe driver, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around once a year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Here is a recap of the data that was touched on above.

• Drivers can save approximately $130 per year simply by shopping early and online
• Consumers who want more liability insurance will pay an extra $400 each year to increase from a low limit to higher 250/500 limits
• Young drivers have the highest car insurance prices, with premiums as much as $345 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may pay on average $1,260 more annually 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.

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).

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.

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.

• Chevrolet Equinox
• Chevrolet Trax
• FIAT 500x

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