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 insurance prices for a Honda CR-V are $1,118 every 12 months including full coverage. Comprehensive costs around $256 a year, collision costs $388, and liability insurance is estimated at $338. Liability-only coverage costs approximately $394 a year, with high-risk coverage costing around $2,396. Teenage drivers pay the highest rates at $4,142 a year or more.

Average premium for full coverage: $1,118

Price estimates for individual coverage:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and CR-V trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

The ranges above highlight why it is important to get quotes for a specific zip code and their own driving history, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down estimated Honda CR-V insurance rates for additional coverage choices and driver risks.

• The best discount rate is $655
• Choosing higher $1,000 deductibles can save about $972 every year
• The average price for the average middle-age driver using $500 deductibles is $1,118
• Using low $100 deductibles for comp and collision coverage increases the price to $1,400
• High-risk insureds who are prone to accidents and violations could pay at least $2,396 or more
• The price to insure a teen driver can be $4,142 each year

View Chart as Image

Auto insurance prices for a Honda CR-V are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can save as much as $430 each year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $304 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,300 to $1,800 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda CR-V insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,600 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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 Shop for the Best Honda CR-V Insurance

Getting lower rates on Honda CR-V insurance takes being a safe and courteous driver, having a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief recap of the car insurance concepts covered in the above illustrations.

• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,280 more every year for auto insurance
• You may be able to save up to $130 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $425 each year
• Drivers who may need higher levels of liability will pay an extra $370 per year to raise limits from a low limit to a 250/500 level

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).

Honda CR-V Crash Test Ratings

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

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