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.

The average auto insurance rates for a Honda CR-V are $1,118 annually with full coverage. Comprehensive costs on average $256, collision costs $388, and liability insurance costs $338. Buying just liability costs as little as $394 a year, with insurance for high-risk drivers costing around $2,396. Teenage drivers cost the most to insure at $4,142 a year or more.

Average premium for full coverage: $1,118

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different CR-V trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $655
• Drivers who choose higher $1,000 deductibles will pay around $146 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,118
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,400
• High risk drivers who are prone to accidents and violations could pay upwards of $2,396 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $4,142 a year

View Chart as Image

Insurance rates for a Honda CR-V also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,800 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $430 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $304 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda CR-V insurance rates. A 40-year-old driver could pay as low as $810 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,510 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so the rates will be varied between companies.

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 Buy Affordable Honda CR-V Insurance

Finding cheaper rates on Honda CR-V insurance not only requires being a safe and courteous driver, but also having a good credit history, not filing small claims, and bundling your home and auto policies. Invest the time to compare rates at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $130 per year simply by shopping early and online
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,280 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $425 each year
• Teenage drivers pay the highest rates, as much as $345 each month including comprehensive and collision 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).

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