Honda CR-V Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Honda CR-V owners normally pay around $133 a month for insurance. Check out our complete guide to learn about how much auto insurance carriers might charge you to insure your Honda CR-V.

Quick Facts

  • A Honda CR-V is cheaper to insure than the average SUV.

  • Full coverage insurance for a CR-V averages about $130 per month, on average, while liability only insurance usually tends to be around $75.

  • AmericanAlliance is the lowest auto insurance carrier for a CR-V.

CR-V Overview

With base prices starting at just $25,350 for new 2021 models, the Honda CR-V is a great budget-friendly car for drivers of all types. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when thinking about your car insurance rates.

We combed through thousands of auto insurance quotes on Compare.com, and we've found that Honda CR-V car insurance prices average out to about $133 monthly. How do insurance premiums for the CR-V compare to rates of other similar SUVs?

Current Base Price$25,350
Body Style(s)SUV
Trim LevelsSE, TOURING, LX, EXL, EX
Average Insurance Premium$133/mo.
Cheapest Insurance CompanyAmericanAlliance

How Much is Car Insurance for a Honda CR-V?

Vehicle Liability Only Full Coverage
Honda CR-V$75$130
All Honda Models$84$166
All SUVs$81$152
Average Insurance Premium$81$169

In the table above, you'll see that auto insurance premiums for a Honda CR-V are lower than average. On average, CR-V drivers will pay around $130 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $75 monthly for liability only insurance (find out more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the CR-V is more affordable, with prices about 22% lower than other vehicles in Honda's lineup. Compared to SUV offerings from other brands, insurance for a CR-V is also more affordable, with full coverage insurance rates coming in around 14% less and 7% less for liability only insurance.

They're also more affordable to insure than the average vehicle overall, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a Honda CR-V?

Insurance Company Average Monthly Premium
ACG$28
American Family$33
Shelter Mutual$33
Clearcover$36
FirstChicago$39

In the market for a car insurance policy for your Honda CR-V? You might want to know which company offers the most affordable premiums. Although premiums can fluctuate pretty significantly from between drivers, the most affordable average rates for liability only insurance are sometimes as little as $28 per month from ACG. With car insurance as cheap as $33 a month, American Family is the next cheapest car insurance carrier.

Rounding out the list are Shelter Mutual, Clearcover, and FirstChicago. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Honda CR-V.

Auto insurance carriers use several different factors and complex formulas to calculate premiums. The only way to guarantee you find the lowest rates is to compare quotes from several auto insurance companies.

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What Factors Affect Car Insurance Rates for a Honda CR-V?

There are lots of things that insurance carriers examine to choose how much to charge you for car insurance -- and every company weighs certain attributes more than others, so there's not a single carrier that's the cheapest for each CR-V owner.

The following sections show a bunch of variables auto insurance companies use to decide rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$74
2-3 Years$72
4-5 Years$72
6-7 Years$68
8-10 Years$69
11-14 Years$75
15 Years or Older$80

The Honda CR-V has been around for a while, so vehicle age will likely make a difference in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as cars age, insurance costs will gradually get lower.

As you can see in the information above, the Honda CR-V bucks the trend, as the cheapest models to insure are those that are 6 to 7 years old, while the most expensive models are 15 years old or more, on average.

Your Age

Age Average Monthly Premium
Under 18$317
18-24$111
25-34$75
35-44$68
45-54$55
55-64$55
65 or Older$57

Age plays a significant role in how much car insurance carriers will charge for auto insurance. Based on the information in the table above, those who have more experience on the road have more affordable prices compared to the youngest CR-V drivers. Honda CR-V drivers under 18 actually pay over three times as much as those 25 or older.

Car insurance prices continue to go down as you get older, with drivers aged 55-64 making up the cheapest age group for the CR-V.

Your Gender

Gender Average Monthly Premium
Male$78
Female$72

Because women are less likely to get into collisions and get speeding tickets, they have a decreased chance of filing a claim with insurance. So, women generally pay less for car insurance than men. When it comes to CR-V drivers specifically, women pay about 8% less than men monthly for insurance.

Where You Live

State Average Monthly Premium
California$54
Florida$110
Georgia$97
Illinois$41
New York$182
North Carolina$50
Ohio$55
Pennsylvania$66
Texas$59
Virginia$52

You may think it's obvious that factors like what vehicle you drive and how old you are play a role in your auto insurance premiums, but did you know that where you live matters, too? Insurance is regulated on the state level rather than nationally, so rates change quite a bit from state to state.

For example, the average Honda CR-V driver from New York pays around $182 per month for liability coverage, while on average, the same owner from California will pay less than a third of that price. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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Honda CR-V Car Insurance Discounts

No matter your home state, your car, or your age, it's always the smart move to take advantage of as many car insurance discounts as possible when shopping around for a policy.

Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Multi-vehicle discounts for having several cars on your auto policy
  • Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Multi-policy discounts for using the same insurance company for both your home and car insurance

These are just a few of the discounts car insurance carriers offer, and sometimes, the best way to save isn't through a "discount" at all, but rather by having a favorable insurance profile and driving record.

Although you can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), there is quite bit in your control. Below are just a few of the variables you can use to your favor in order to save money on insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$94
Multiple Accidents$121
1 Ticket$84
Multiple Tickets$106

You've no doubt observed ads from auto insurance companies promoting large discounts for safe drivers. And you're probably not surprised to hear that your car insurance premiums will increase if you get into a collision or get speeding tickets. But exactly how much can these infractions cost you?

You can see from the table above that accidents will usually cost CR-V drivers more than tickets, but both will cause a significant increase in rates. Honda CR-V drivers with one accident on their record pay an average of $94 each month (up $19 from the $75/mo. overall average), while drivers with a single ticket will pay about $84 a month. The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$68
2,501-5,000 Miles$72
5,001-7,500 Miles$70
7,501-10,000 Miles$78
10,000+ Miles$75

Another variable you have control over is the total amount of miles you drive each year. Drivers who are on the roads less are less likely to get speeding tickets, so they'll typically get less expensive prices. In the above table, you can see that Honda CR-V owners who drive fewer than 2,500 miles a year pay about $68 monthly for insurance, while those who put 10,000 miles or more on their cars pay $75.

If you don't use your Honda CR-V to travel or commute regularly, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Honda CR-Vs Compare to Other Vehicles?

If you're considering purchasing a new SUV and a Honda CR-V is on your shortlist, it can pay off to do your homework. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Review the table below to see how the Honda CR-V stacks up:

Honda CR-V National Average
Liability Insurance$80$81
Full Coverage Insurance$168$169
Base MSRP$25,350$46,223
Average Annual Mileage11,26811,673

With an MSRP that's a third less than the going rate for a new vehicle, the Honda CR-V is a great value when it comes to price. The CR-V has an MSRP of $25,350, which is much cheaper than the national average vehicle price of $46,223.

Although the purchase price is on the cheaper end of the spectrum, car insurance rates are pretty average when compared to the rest of the vehicle market. Full coverage insurance for a Honda CR-V is about $1 a month cheaper than average, while liability only coverage is $1 cheaper per month.

When it comes to usage, Honda CR-V owners drive about the same amount annually as the national average, with 11,673 miles per year for all vehicles compared to the CR-V's 11,268 every year.

Honda CR-V Car Insurance Costs by Model Year

Thus far, you've seen how different things have an impact on how much the average driver pays to insure a Honda CR-V. But if you're considering buying a new CR-V, knowing what you'll likely pay can be extremely valuable as you weigh your options.

That's why we've decided to break down Honda CR-V insurance premiums by model year. Simply choose a specific CR-V model year in the dropdown below and see average rates for both liability only and full coverage. We've also included some other helpful info that might help you make a decision, like the base MSRP, which trim levels are offered, and who offers the most affordable policies for each CR-V model year.

2021 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$168
Base MSRP$25,350
Cheapest Insurance CompanyMercury - $26/mo.
Available TrimsEX, EXL, LX, SE, TOURING

If you're in the market for a brand new Honda CR-V, you've got options. With a base MSRP of $25,350, the 2021 CR-V is offered in five different trim levels, which means you'll have your pick of a range of styles.

When it comes to car insurance, the average 2021 Honda CR-V generally costs around $168 a month for full coverage and $80 per month for a liability only policy. And if you want the lowest insurance possible, Mercury offers liability only policies for sometimes as low as $26 monthly.

Even though it helps to know the average price drivers pay to insure a 2021 CR-V, a personalized quote is the only way to find out exactly how much you'll pay. Luckily, Compare.com will gather quotes from multiple carriers for you, all for free. Simply enter your ZIP code below to get started.

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2020 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$151
Base MSRP$25,050
Cheapest Insurance CompanyHugo - $20/mo.
Available TrimsEX, EXL, LX, TOURING

If you're in the market for a 2020 CR-V or already own one, you're most likely looking at an average auto insurance premium of about $70 for liability or $151 for full coverage.

And if you're just looking for the cheapest insurance for your CR-V, Hugo offers liability only policies for as little as just $20 a month.

Want to find the best rates? Enter your ZIP code below to get several customized quotes for free.

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2019 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$152
Base MSRP$24,450
Cheapest Insurance CompanyClearcover - $20/mo.
Available TrimsEX, EXL, LX, TOURING

The average cost to insure a 2019 CR-V with liability only coverage is $80 per month, while full coverage runs around $152 monthly.

We found Clearcover offered the most affordable policy, with rates as cheap as just $20 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2019 Honda CR-V, you can get free quotes in minutes by just entering your ZIP code below.

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2018 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$81
Full Coverage Avg. Premium$141
Base MSRP$24,250
Cheapest Insurance CompanyLiberty Mutual - $18/mo.
Available TrimsEX, EXL, LX, TOURING

2018 Honda CR-V drivers can expect to pay an average of $81 a month for liability or $141 for full coverage.

Liberty Mutual offered the cheapest policy we found, with rates sometimes as cheap as $18 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2017 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$82
Full Coverage Avg. Premium$143
Base MSRP$24,045
Cheapest Insurance CompanyHugo - $18/mo.
Available TrimsEX, EXL, LX, TOURING

It costs about $82 a month for liability or $143 for a full coverage policy for the 2017 CR-V.

With prices as little as $18 per month, Hugo offered the lowest policy we found for the 2017 Honda CR-V.

If you want to find the best premiums for insurance for a 2017 Honda CR-V, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2016 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$75
Full Coverage Avg. Premium$133
Base MSRP$23,745
Cheapest Insurance CompanyHugo - $17/mo.
Available TrimsEX, EXL, LX, SE, TOURING

On average, drivers who own a 2016 Honda CR-V can expect to pay $75 to $133 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2016 Honda CR-V insurance policy, Hugo offered the most affordable policy we found, with rates as low as $17 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2015 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$123
Base MSRP$23,445
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsEX, EXL, LX, TOURING

You can expect full coverage for a 2015 CR-V to run around $123 per month, while liability only coverage will average about $70 monthly.

With rates as low as just $17 per month, Liberty Mutual offered the lowest policy we found.

Want to know just how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

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2014 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$125
Base MSRP$23,120
Cheapest Insurance CompanyShelter Mutual - $17/mo.
Available TrimsEX, EXL, LX, TOURING

The average cost to insure a 2014 Honda CR-V with liability only coverage is $68 a month, while full coverage runs around $125 monthly.

Looking for the cheapest policy? Shelter Mutual offered liability only coverage for as low as $17 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2013 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$120
Base MSRP$22,795
Cheapest Insurance CompanyMetLife - $17/mo.
Available TrimsEX, EXL, LX, TOURING

It costs about $70 monthly for liability or $120 for a full coverage policy for the 2013 CR-V.

MetLife has prices as little as just $17 a month for the 2013 Honda CR-V.

Want to find the most affordable rates? Enter your ZIP code below to get lots of free customized quotes.

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2012 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$123
Base MSRP$22,495
Cheapest Insurance CompanyHallmark - $20/mo.
Available TrimsEX, EXL, LX, TOURING

On average, drivers who own a 2012 Honda CR-V can expect to pay $80 to $123 monthly for liability only and full coverage insurance, respectively.

With premiums as cheap as just $20 a month, Hallmark offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2011 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$121
Base MSRP$21,895
Cheapest Insurance CompanyElephant - $18/mo.
Available TrimsEX, EXL, LX, SE

2011 CR-V drivers can expect to pay an average of $68 per month for liability or $121 for full coverage.

If you're looking for the most affordable 2011 Honda CR-V insurance policy, Elephant offered the cheapest policy we found, with rates sometimes as little as $18 a month.

These average prices are a great starting point if you're in the market for a 2011 Honda CR-V, but there are a multitude of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2010 Honda CR-V Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$127
Base MSRP$21,545
Cheapest Insurance CompanyStateAuto - $17/mo.
Available TrimsEX, EXL, LX

You can expect full coverage for a 2010 Honda CR-V to run around $127 per month, while liability only coverage will average about $73 monthly.

StateAuto has rates sometimes as cheap as $17 a month for the 2010 Honda CR-V.

If you want to know exactly how much you can expect to pay for your CR-V, just enter your ZIP code below and get free quotes in minutes.

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Honda CR-V Insurance FAQs

Is a Honda CR-V expensive to insure?

Liability insurance runs an average of $75 monthly, while full coverage will cost you around $130. Compared to the national average of all SUVs, prices come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Honda CR-V?

There's only one way to confirm you're getting the most affordable rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from quite a few companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Honda CR-V affect my insurance premiums?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are multiple things auto insurance carriers think about when they decide how much to charge you for a policy, but the color of your car is not one of them.

Do I need to have insurance before I buy a Honda CR-V?

Before you can legally drive your new (or new to you) CR-V off the dealership lot, you'll need to have a valid car insurance policy. As part of the buying process, some dealerships might offer you an auto insurance policy, but it's best to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Honda CR-V?

You will find all sorts of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your vehicle and more on you, but if your CR-V has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to be certain is to reach out to your insurance company and ask about their discounts.

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