Honda CR-V Insurance Cost [Rates + Cheap Coverage Guide]
The average Honda CR-V insurance costs are $95 per month or $1,140 annually for full coverage. That’s $379 less per year than the average vehicle. You can find even more affordable Honda CR-V car insurance by comparing rates from reputable providers and by qualifying for a car insurance discount.
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UPDATED: Feb 5, 2021
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The average Honda CR-V insurance costs are $95 per month or $1,140 annually for full coverage. That’s $379 cheaper than the average vehicle.
However, many different factors impact your individual car insurance rates. For example, your age, driving record, where you live, and even the level of coverage you require all impact your rates.
You can pay as low as $38 per month for liability-only coverage on your Honda CR-V. Read through our guide to learn how to compare car insurance rates and for information on Honda CR-V insurance rates, safety ratings, and more.
You can start comparing quotes for Honda CR-V car insurance rates from some of the best car insurance companies by entering your ZIP code into our free online tool above.
What is the average cost of Honda CR-V car insurance?
What is the average car insurance cost per month for the Honda CR-V? For full coverage, expect to pay about $95. That adds up to $1,140 annually.
However, the cost of Honda CR-V insurance heavily depends on your demographics as the driver.
Your rates will change depending on if you’re low or high-risk to insure, how much coverage you need, and even how old you are.
Check out the graph below for more details about Honda CR-V annual car insurance costs.
Ultimately, the best Honda CR-V insurance company will provide you with low rates without compromising your coverage needs.
No matter what kind of driver you are, just read through the rest of our guide and we’ll help you find your cheapest Honda CR-V car insurance rates.
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Are Honda CR-Vs expensive to insure?
It’s important for you to find affordable Honda CR-V car insurance rates. But how do costs for the Honda CR-V compare to other vehicles in the same car class?
Take a look at the table below, which details how the Honda CR-V insurance rates compare to other crossovers like the Chevrolet Equinox, Subaru Crosstrek, and Audi SQ5.
|Vehicle Make and Model||Comprehensive||Collision||Liability||Total|
As you can see, the Honda CR-V is the cheapest crossover to insure in the above data set. If you’re looking for a reliable SUV that will not break your bank in insurance costs, this is the car for you.
Believe it or not, there are still even more things you can do to find the cheapest Honda insurance rates online.
By comparing quotes from multiple different car insurance companies, you’ll be able to choose the best company for your Honda CR-V.
What impacts the cost of Honda CR-V insurance?
As we’ve mentioned a few times, there are many different variables that go into calculating your Honda CR-V car insurance quotes. Some are focused on your vehicle make and model, and others are focused on you as the driver.
Your Honda CR-V trim and model year, for example, will impact the total price of what you will pay for Honda CR-V insurance coverage.
But your driving record, location, and age will also be considered by the insurance providers when determining your rates. In the next sections, we’ll look at all of these factors in greater detail for your convenience.
Does model year impact your Honda CR-V car insurance rates?
Your Honda CR-V car insurance rates will change depending on what model year you drive.
The average Honda CR-V car insurance rates are higher for newer models than for older ones. This is because older vehicles are usually cheaper to replace and repair than newer cars.
Check out the table below to compare annual Honda CR-V car insurance rates by model year.
|Honda CR-V Model Year||Comprehensive||Collision||Liability||Total|
|2020 Honda CR-V||$280||$408||$316||$1,140|
|2019 Honda CR-V||$268||$392||$332||$1,128|
|2018 Honda CR-V||$256||$388||$338||$1,118|
|2017 Honda CR-V||$248||$378||$354||$1,116|
|2016 Honda CR-V||$240||$362||$364||$1,102|
|2015 Honda CR-V||$226||$350||$376||$1,088|
|2014 Honda CR-V||$218||$326||$384||$1,064|
|2013 Honda CR-V||$208||$306||$388||$1,038|
|2012 Honda CR-V||$200||$274||$390||$1,000|
|2011 Honda CR-V||$188||$252||$390||$966|
|2010 Honda CR-V||$180||$236||$394||$946|
As you can see, car insurance rates for a 2020 Honda CR-V are $1,140, while the older 2010 Honda CR-V rates are only $946 per year. That’s a difference of $194 in total.
To get the most affordable Honda CR-V car insurance costs, consider buying an older model.
Does driver age impact your Honda CR-V car insurance rates?
Driver age can have a significant effect on your Honda CR-V car insurance rates.
For example, 20-year-old drivers pay $1,394 more for their Honda CR-V car insurance each year than 30-year-old drivers. See what we mean in the graph below.
Younger drivers have less experience on the roads and statistically are responsible for causing more accidents.
Because of those added risks, insurance providers charge teens and drivers under the age of 25 higher rates.
Does your ZIP code impact your Honda CR-V car insurance rates?
Where you live can have a large impact on your Honda CR-V insurance rates.
For example, drivers in New York may pay $695 a year more for coverage than drivers in Seattle.
In the graph below, see how much Honda CR-V car insurance costs annually in other major American cities.
Insurance providers care about your ZIP code because some cities have higher auto theft rates and population densities than others.
That can put you at a higher risk of filing a claim than if you lived somewhere rural.
Does your driving record impact your Honda CR-V car insurance rates?
Your driving record can have an impact on the cost of your Honda CR-V car insurance. Just a single traffic violation can increase your annual premiums by hundreds of dollars.
Teens and drivers in their 20s see the highest jump in their Honda CR-V auto insurance rates with violations on their driving record.
See what we mean by checking out the graph below.
Safe driving always pays off. Not only does it keep you safer, but it also leads to lower car insurance costs.
While you can seek out anonymous car insurance quotes if you have a rocky driving record, your rate will be inaccurate. The insurance company will still verify your driving record before allowing you to sign up for a policy.
What are the Honda CR-V safety ratings?
Your Honda CR-V car insurance rates are tied to the safety ratings of the Honda CR-V.
See the 2021 Honda CR-V safety ratings as scored by the Insurance Institute for Highway Safety (IIHS) in the following table.
|Safety Test Type||Rating|
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
‘Good’ is the highest possible score awarded by the IIHS. As you can see, the Honda CR-V received perfect marks.
In fact, this vehicle is one of the IIHS 2020 top safety picks. The award can be applied to the 2017 to 2021 Honda CR-V models.
Your car insurance rates will already positively reflect these great safety ratings.
What are the Honda CR-V crash test ratings?
Similar to safety ratings, insurance providers will also look at the Honda CR-V crash test ratings when calculating your car insurance costs.
Poor Honda CR-V crash test ratings could mean higher Honda CR-V car insurance rates.
See how well different Honda CR-V model years performed in crash tests performed by the National Highway Traffic Safety Administration (NHTSA) in the table below.
|Honda CR-V Model Year Tested||Overall||Frontal||Side||Rollover|
|2020 Honda CR-V SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2020 Honda CR-V SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2020 Honda CR-V HYBRID SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2019 Honda CR-V SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2019 Honda CR-V SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2018 Honda CR-V SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2018 Honda CR-V SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2017 Honda CR-V SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2017 Honda CR-V SUV AWD||5 stars||5 stars||5 stars||4 stars|
|2016 Honda CR-V SUV FWD||5 stars||5 stars||5 stars||4 stars|
|2016 Honda CR-V SUV AWD||5 stars||5 stars||5 stars||4 stars|
5-stars is the highest ratings given by the NHTSA. While the Honda CR-V has been given consecutive 4-stars for the rollover crash test, overall this SUV performed very well.
In fact, a 4-star rollover rating for an SUV is still better than average. Due to their weight and size, SUVs are more prone to rolling over than other types of vehicles.
Luckily, the Honda CR-V is reliable and safe. You can trust this vehicle to protect you, even in the event of an accident.
Your insurance rates will already reflect these reassuring crash test results.
What are the Honda CR-V safety features?
Honda CR-V safety features can lower the cost of your insurance. Depending on what you have installed in your vehicle, you can qualify for a few car insurance discounts.
The safety features for the 2020 Honda CR-V include:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Lane Departure Warning
- Lane Keeping Assist
Be sure to tell your insurance agent about what safety features and anti-theft devices you have installed on your Honda CR-V.
Oftentimes, insurance discounts will stack, leading to even cheaper rates.
What is the Honda CR-V insurance loss probability?
Looking at your Honda CR-V insurance loss probability details can help you predict how much different insurance coverages might cost you.
Lower percentages mean lower Honda CR-V car insurance costs; higher percentages mean higher Honda CR-V car insurance costs.
Compare the Honda CR-V insurance loss probability details by coverage category in the table below.
|Insurance Coverage Category||Loss Rate|
The Honda CR-V is better than average or substantially better than average in every insurance coverage category.
With loss ratios this impressive, expect some great liability insurance rates and full coverage rates for this SUV.
These numbers also mean your medical payments coverage and even personal injury protection will likely be cheaper than average.
What are the Honda CR-V finance and insurance costs?
Car insurance laws vary by state, and usually, only a certain level of liability insurance is required.
However, if you are financing a Honda CR-V, the dealership might require you to purchase fuller coverage insurance until your loan is paid off.
Full coverage usually includes comprehensive and collision insurance policies. Luckily, the Honda CR-V collision and comprehensive rates are lower than other SUVs.
You will pay more if you purchase Honda CR-V car insurance at the dealership, so be sure to shop around and compare Honda CR-V car insurance quotes from the best companies.
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How can I save on my Honda CR-V car insurance rates?
There are several ways you can save even more on your Honda CR-V car insurance rates.
If you have a rocky driving record, wait about six years and those citations will fall off of your record. Just be sure you also practice safe driving techniques.
If you need a full-coverage policy, consider raising your deductibles to lower your monthly costs.
Finally, ask your provider about what discounts you and your Honda CR-V are eligible for. Car insurance discounts usually stack, which can add up to some massive savings.
What are the top Honda CR-V car insurance companies?
Who is the best company for Honda CR-V insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda CR-V insurance coverage ordered by market share.
Many of the companies mentioned above offer discounts for security systems and other safety features that the Honda CR-V offers.
See more details about the top 10 Honda CR-V insurance companies by market share in the graph below.
When you go to buy Honda CR-V car insurance, choose the company that provides you with the most competitive rate without compromising your coverage needs.
You are now an expert on Honda CR-V car insurance costs. Refer back to this guide as much as needed while you shop around for your best coverage.
Start comparing Honda CR-V car insurance quotes for free right now by entering your ZIP code into our free online comparison tool below.