Annual full coverage insurance costs for a Honda CR-V range from $964 to $5,296. Rates vary widely based on the car's model year, driver's age, address, driving history, coverage level and insurer. This MoneyGeek article breaks down Honda CR-V insurance costs, the best companies and the most affordable options.
Honda CR-V Insurance Cost
Updated: March 17, 2025
Key Takeaways
State Farm provides the cheapest minimum coverage across all Honda CR-V model years at $467 annually.
The average insurance cost for a Honda CR-V is $588 per year for minimum coverage and $1,220 for full coverage.
MoneyGeek analyzed data and 4,183 Honda CR-V insurance quotes from Quadrant Information Services for comprehensive and reliable insights.
Honda CR-V Insurance Rates
What Is the Average Honda CR-V Car Insurance Cost?
Full coverage insurance for a Honda CR-V costs $102 per month or $1,220 annually, based on a 40-year-old male with a clean record. Minimum coverage averages $49 per month or $588 annually.
| Minimum Coverage | $588 |
| Full Coverage | $1,220 |
Read more: Average Cost of Car Insurance
Honda CR-V Insurance Costs by Company
Honda CR-V insurance costs range from $991 to $1,753 annually, depending on age, model year and coverage level. The table below compares the average Honda CR-V insurance rates with the averages for all vehicles from various providers.
| Allstate | $1,372 | $1,814 | -24% |
| Auto-Owners | $1,023 | $1,228 | -17% |
| Farmers | $1,505 | $1,959 | -23% |
| GEICO | $1,040 | $1,335 | -22% |
| Kemper | $1,753 | $2,215 | -21% |
| Nationwide | $1,261 | $1,591 | -21% |
| Progressive | $1,376 | $1,746 | -21% |
| State Farm | $1,013 | $1,271 | -20% |
| Travelers | $1,228 | $1,524 | -19% |
| USAA | $991 | $1,201 | -17% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda CR-V by Model Year
Your Honda CR-V's production year can affect your insurance rates, with older models usually being cheaper. For example, full coverage for a 2009 model costs about $1,113 per year, while a 2022 model costs around $1,342. Below are the average full and minimum coverage rates for each production year.
| 2022 | $585 | $1,342 |
| 2021 | $583 | $1,322 |
| 2020 | $569 | $1,307 |
| 2019 | $601 | $1,297 |
| 2018 | $609 | $1,281 |
| 2017 | $588 | $1,263 |
| 2016 | $614 | $1,245 |
| 2015 | $614 | $1,226 |
| 2014 | $590 | $1,204 |
| 2013 | $613 | $1,182 |
| 2012 | $611 | $1,159 |
| 2011 | $588 | $1,144 |
| 2010 | $612 | $1,128 |
| 2009 | $610 | $1,113 |
Honda CR-V Insurance Costs by Driver Age
Honda CR-V insurance rates vary widely depending on the driver's age. For instance, 40-year-olds pay around $1,230 annually for full coverage, while 16-year-olds face rates near $5,296. Below are the average minimum and full coverage rates for different ages.
| 16 | $2,737 | $5,296 |
| 17 | $2,223 | $4,311 |
| 18 | $1,937 | $3,792 |
| 19 | $1,372 | $2,703 |
| 20 | $1,232 | $2,457 |
| 21 | $977 | $1,983 |
| 22 | $892 | $1,823 |
| 23 | $827 | $1,702 |
| 24 | $784 | $1,619 |
| 25 | $698 | $1,449 |
| 26 | $681 | $1,411 |
| 27 | $665 | $1,380 |
| 28 | $654 | $1,359 |
| 29 | $644 | $1,340 |
| 30 | $622 | $1,292 |
| 35 | $606 | $1,252 |
| 40 | $599 | $1,230 |
| 45 | $594 | $1,214 |
| 50 | $580 | $1,177 |
| 55 | $565 | $1,146 |
| 60 | $565 | $1,142 |
| 65 | $602 | $1,197 |
| 70 | $653 | $1,281 |
| 75 | $725 | $1,404 |
| 80 | $821 | $1,563 |
| 85 | $888 | $1,678 |
| 90 | $937 | $1,758 |
Honda CR-V Insurance Rates Explained
Car insurance rates depend on a driver’s profile and their vehicle. The car’s age, make, model, safety features, repair costs and theft rates can significantly affect premiums.
Honda CR-V Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda CR-V
Average Full Coverage Rate
$1,220Premiums for Honda CR-V are cheaper:$76 saved
This is 6% less expensive.
Value
The Honda CR-V's MSRP is $36,010, which classifies it as an SUV. This MSRP influences how insurers determine insurance costs.
Repair costs
The Honda CR-V's annual repair cost is $407, below the national average, which can help lower insurance premiums.
Performance
With 190 horsepower and a 0-to-60 time of 8.1 seconds, the Honda CR-V isn't classified as a high-performance vehicle, which may help keep insurance costs moderate.
Vehicle age
Newer Honda CR-V models are typically more expensive to insure than older ones. Collector and classic vehicles are exceptions.
Safety features
The Honda CR-V's safety features, including stability control, airbags and antilock brakes, may qualify for insurance discounts.
Vehicle size
Larger vehicles usually cost more to insure. The Honda CR-V is a moderately sized SUV weighing 3,926 lbs, possibly leading to moderate insurance costs.
Trim level
Higher trim levels of the Honda CR-V include premium upgrades, which can increase insurance costs compared to the base model.
Theft rates
Vehicles with higher theft risks cost more to insure. The Honda CR-V, with an HDLI theft relative claims frequency of 409, is more likely to be stolen, resulting in higher insurance rates.
Cheapest Honda CR-V Insurance
State Farm offers the cheapest minimum coverage rate for a Honda CR-V at $467 annually, based on a 40-year-old male with a clean driving record. Below is a breakdown of the most affordable car insurance options across coverage levels, age groups, driving records, model years and more.
Cheapest Honda CR-V Insurance by Coverage Level
The coverage level you choose greatly influences your Honda CR-V insurance rate. State Farm provides the most affordable minimum and full coverage options. Below is a breakdown of the cheapest providers for both types:
Cheapest Honda CR-V Minimum Coverage
State Farm offers the cheapest minimum coverage for a Honda CR-V at $39 monthly. Other competitive options include GEICO at $42, Travelers at $49 and Nationwide at $54.
| USAA | $34 | $412 |
| State Farm | $39 | $467 |
| GEICO | $42 | $503 |
| Travelers | $49 | $584 |
| Progressive | $54 | $644 |
| Nationwide | $54 | $653 |
| Allstate | $56 | $674 |
| Farmers | $57 | $687 |
*State Farm offers non-military-affiliated Honda CR-V owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda CR-V Insurance Rates by Model Year
The above list doesn’t account for your Honda CR-V’s production year, which could impact rates. To find the cheapest minimum coverage, filter the table below by your vehicle’s year.
Data filtered by:Results filtered by:
Select
Model Year:2022
| Allstate | $665 | $55 |
| Farmers | $705 | $59 |
| GEICO | $502 | $42 |
| Nationwide | $551 | $46 |
| Progressive | $586 | $49 |
| State Farm | $463 | $39 |
| Travelers | $572 | $48 |
| USAA | $446 | $37 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda CR-V Insurance
State Farm offers the most affordable full coverage for a Honda CR-V at $987 annually or $82 monthly. Below is the complete list of Honda CR-V full coverage insurance providers and rates.
| USAA | $80 | $964 |
| State Farm | $82 | $987 |
| GEICO | $86 | $1,026 |
| Nationwide | $100 | $1,203 |
| Travelers | $102 | $1,219 |
| Allstate | $110 | $1,321 |
| Progressive | $110 | $1,324 |
| Farmers | $119 | $1,423 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda CR-V owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda CR-V Insurance by Age
Younger drivers aged 16 to 25 and seniors aged 55 and older often pay higher Honda CR-V insurance rates. Below are the cheapest options by age group.
Cheapest Honda CR-V Insurance for Young Drivers
For Honda CR-V drivers aged 16 to 25, the cheapest minimum coverage insurance is from State Farm, averaging $85 monthly or $1,019 annually. Below is the complete list of affordable car insurance options for young drivers.
| USAA | $71 | $850 |
| State Farm | $85 | $1,019 |
| GEICO | $100 | $1,205 |
| Travelers | $102 | $1,220 |
| Allstate | $131 | $1,568 |
| Nationwide | $143 | $1,713 |
| Progressive | $149 | $1,788 |
| Farmers | $154 | $1,845 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda CR-V Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $43 monthly or $513 annually. Check the full list of affordable Honda CR-V insurers below:
| State Farm | $43 | $513 |
| USAA | $46 | $547 |
| GEICO | $50 | $602 |
| Travelers | $59 | $704 |
| Nationwide | $64 | $766 |
| Progressive | $69 | $823 |
| Allstate | $69 | $825 |
| Farmers | $76 | $914 |
Cheapest Honda CR-V Insurance After an Accident
State Farm, GEICO and Travelers offer Honda CR-V drivers the cheapest car insurance after an accident. For more options, see the complete list below.
| State Farm | $49 | $585 |
| USAA | $52 | $626 |
| GEICO | $66 | $792 |
| Travelers | $69 | $831 |
| Allstate | $77 | $918 |
| Nationwide | $84 | $1,005 |
| Progressive | $87 | $1,045 |
| Farmers | $112 | $1,346 |
Honda CR-V Insurance Cost: Bottom Line
Comparing rates from different providers is key to finding the cheapest car insurance. This article explores Honda CR-V insurance in detail, including costs for various demographics and the most affordable providers.
Honda CR-V Insurance Rates: FAQ
Below are answers to common questions about Honda CR-V insurance costs, helping you understand what to expect.
What company has the cheapest car insurance for a Honda CR-V?
State Farm offers the cheapest insurance for a Honda CR-V, with an annual minimum coverage rate of $467.
What is the average cost of car insurance for a Honda CR-V?
The average annual cost of minimum coverage insurance for a Honda CR-V is $588, while full coverage averages $1,220.
Honda CR-V Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Honda CR-V insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda CR-V:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda CR-V insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda CR-V.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.