Is a CR-V expensive to insure?

Compared to the national average cost of car insurance, which is $2,680, the Honda CR-V is one of the cheaper cars to insure. Full coverage in insurance for a CR-V is 16 percent less than average. But keep in mind, that your rate could be higher or lower depending on your personal driving characteristics.

How can I save money on CR-V insurance?

While comparing rates among other insurance carriers is a great way to find savings, there are other steps you can take. Ask your agent about which car insurance discounts you may qualify for, such as defensive driving or membership affiliations. Consider enrolling in a telematics insurance program, which monitors your driving and may offer discounts for safe driving habits. As always, maintaining a good driving record is the best way to keep car insurance costs low.

Are older cars cheaper to insure?

Older CR-Vs can be cheaper to insure than newer models. Since the model has been around since 1997 and is composed of American-made parts, replacement parts are generally easy and affordable to come by, which can lower the cost of collision coverage. Additionally, older models don't have the same expensive tech components that newer cars do now. As cars lose their value, drivers tend to remove comprehensive and collision coverage, which is where you can see the biggest savings difference between old and newer cars.

Car Insurance for Honda CR-V

How much does it cost to insure a CR-V?

On average, full coverage car insurance for a Honda CR-V is $2,258 or $188 per month, according to data from Quadrant Information Services.

The make and model of your car can impact your insurance cost based on how your carrier rates its safety features, the price of parts and labor, crash test ratings and other factors. Aside from the car itself, your driving record, age and location also play a part in determining your insurance rate.

$2,258 Avg annual full coverage
insurance premium

$765 Avg annual min coverage
insurance premium

Manufacturer's retail price for 2025 model (MSRP): $30,100

Trims available: LX, EX, EX-L (Hybrid models available in Sport Hybrid, Sport-L Hybrid and Sport Touring Hybrid

Repair costs

The Honda CR-V is a popular car known for its reliability. Repair parts are widely available and most are made and assembled in the U.S., which may help in keeping insurance costs down.

Safety features

The CR-V comes standard with the Honda Sensing Suite, which uses sensors to provide alerts and steering and braking assistance. Safety upgrades to collision and road departure migration systems are available.

Crash ratings

The IIHS selected the CR-V as a top safety pick for 2024. It earned G (good) ratings in crashworthiness, but an updated test shows it also earned P (poor) under the moderate overlap front test.

Cheapest car insurance companies for a CR-V

While finding affordable car insurance is usually top of mind for most drivers, it can be a daunting task. Each carrier rates risk according to their own business model and a company that offers one driver cheap rates might not be the cheapest company for you. One of the best ways to find a policy with the right price and coverage is by comparing car insurance rates with at least three different providers.

How much does it cost to insure my CR-V?

To make your search for CR-V auto insurance a little bit easier, we have compiled a list of the top car insurance companies offering below-average rates without sacrificing coverage selection, customer service or financial strength.

2023 CR-V car insurance premium by carrier


Auto-Owners	Auto-Owners	$1,687	$1,687	- $571	- $571
Farm Bureau	Farm Bureau	$1,716	$1,716	- $542	- $542
Nationwide	Nationwide	$1,510	$1,510	- $748	- $748
Plymouth Rock	Plymouth Rock	$1,417	$1,417	- $841	- $841
Progressive	Progressive	$1,810	$1,810	- $448	- $448

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a CR-V

Each state requires drivers to carry minimum car insurance limits to drive legally. However, these limits do not offer coverage to replace or repair your car if you are at-fault in an accident. And they might not have high enough liability limits to fully cover expenses from a severe accident. Depending on your needs, you may want to consider the following coverage types:

Full coverage: Full coverage insurance includes liability coverage along with comprehensive and collision coverage to replace or repair your vehicle when involved in a covered loss.
Rental reimbursement: While your car is being repaired from damage due to a covered claim, this coverage can reimburse your rental car expenses up to the policy limit.
Gap insurance: This coverage pays the difference between your lease or loan balance and the actual cash value claim payout if your new car is totaled in a covered accident.

How to get a CR-V car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare CR-V with other similar cars

Honda CR-V Avg annual full coverage premium $2,258 Read More	Toyota RAV4 Avg annual full coverage premium $2,394 Read More	Kia Sportage Avg annual full coverage premium $2,460 See more models
Price (MSRP)
$31,000	$29,250	$27,390
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	5 stars	5 stars
Gas mileage
28-40 combined city/highway mpg	30 combined city/highway mpg	28 combined city/highway mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially better than average	Better than average	Average

Frequently asked questions

Compared to the national average cost of car insurance, which is $2,680, the Honda CR-V is one of the cheaper cars to insure. Full coverage in insurance for a CR-V is 16 percent less than average. But keep in mind, that your rate could be higher or lower depending on your personal driving characteristics.
While comparing rates among other insurance carriers is a great way to find savings, there are other steps you can take. Ask your agent about which car insurance discounts you may qualify for, such as defensive driving or membership affiliations. Consider enrolling in a telematics insurance program, which monitors your driving and may offer discounts for safe driving habits. As always, maintaining a good driving record is the best way to keep car insurance costs low.
Older CR-Vs can be cheaper to insure than newer models. Since the model has been around since 1997 and is composed of American-made parts, replacement parts are generally easy and affordable to come by, which can lower the cost of collision coverage. Additionally, older models don't have the same expensive tech components that newer cars do now. As cars lose their value, drivers tend to remove comprehensive and collision coverage, which is where you can see the biggest savings difference between old and newer cars.

Bankrate utilizes Quadrant Information Services to analyze June 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.