Honda CR-V Insurance Cost

Full coverage for a Honda CR-V costs about $1,200 a year ($100/month) by our estimate — ▼ −25% versus the average vehicle, ranking 8th cheapest of 310 current models.

Honda CR-V exterior (photo from Wikimedia Commons) — Photo: M 93, CC BY-SA 3.0 de

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Honda CR-V insurance cost at a glance

Full coverage

$1,200

$100/mo · $985–$1,415

Minimum liability

$495

$41/mo

Segment

Small SUV

Gasoline, Hybrid, Hydrogen fuel cell

HLDI collision losses

Much better than average (100 = avg)

NHTSA overall

★★★★★

2027 model year

NICB most stolen

national list

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Honda CR-V.

Estimated Honda CR-V premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$495	$41	$405–$585
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$720	$60	$590–$845
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,200	$100	$985–$1,415

What drives the cost of insuring a Honda CR-V

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Honda CR-V's results put our vehicle factor at 0.81× for liability, 0.67× for collision and 0.72× for comprehensive.

HLDI relative insurance losses — Honda CR-V 4dr (Small SUVs)
Coverage	Index	Rating	What it measures
Collision	63	Much better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	65	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	66	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	80	Much better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	102	Average	Injuries to occupants of this car (claim frequency)
Medical payments	100	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (4)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Honda CR-V 4dr	63	65	66	80
Honda CR-V 4dr 4WD	72	75	76	84
Honda CR-V hybrid 4dr	80	75	88	97
Honda CR-V hybrid 4dr 4WD	77	102	75	79

Repair and parts costs: Small SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Theft: #9 on the NICB national most-stolen list, which raises comprehensive premiums.
Recalls & complaints: 5 NHTSA recall campaigns and 415 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Honda CR-V trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
CR-V AWD	AWD	1.5L 4-cyl Turbo	29
CR-V AWD	AWD	2.0L 4-cyl Hybrid	37
CR-V AWD TrailSport	AWD	2.0L 4-cyl Hybrid	35
CR-V FWD	FWD	1.5L 4-cyl Turbo	30
CR-V FWD	FWD	2.0L 4-cyl Hybrid	40

Honda CR-V insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	AWD, FWD	29–40	$1,200
2026	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid, Hydrogen fuel cell	AWD, FWD	29–40	$1,180
2025	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid, Hydrogen fuel cell	AWD, FWD	28–40	$1,160
2024	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	AWD, FWD	29–40	$1,135
2023	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	AWD, FWD	29–40	$1,115
2022	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	AWD, FWD	29–38	$1,090
2021	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	AWD, FWD	29–38	$1,070
2020	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	AWD, FWD	29–38	$1,050
2019	1.5L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	27–30	$1,025
2018	1.5L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	27–30	$1,005
2017	1.5L 4-cyl Turbo, 2.4L 4-cyl	AWD, FWD	27–30	$985
2016	2.4L 4-cyl	AWD, FWD	27–29	$960
2015	2.4L 4-cyl	AWD, FWD	28–29	$960
2014	2.4L 4-cyl	AWD, FWD	25–26	$960
2013	2.4L 4-cyl	AWD, FWD	25–26	$960
2012	2.4L 4-cyl	AWD, FWD	25–26	$960
2011	2.4L 4-cyl	AWD, FWD	23–24	$960
2010	2.4L 4-cyl	AWD, FWD	23–24	$960
2009	2.4L 4-cyl	4WD/AWD, FWD	22–23	$960
2008	2.4L 4-cyl	4WD/AWD, FWD	22–23	$960

Honda CR-V insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the CR-V page for that state.

State	Full coverage	Minimum	vs. national	CR-V page
Alabama	$1,040	$385	−13%	CR-V in AL
Alaska	$1,045	$505	−13%	CR-V in AK
Arizona	$1,265	$535	+5%	CR-V in AZ
Arkansas	$1,050	$360	−13%	CR-V in AR
California	$1,160	$460	−3%	CR-V in CA
Colorado	$1,370	$525	+14%	CR-V in CO
Connecticut	$1,280	$575	+7%	CR-V in CT
Delaware	$1,355	$645	+13%	CR-V in DE
District of Columbia	$1,505	$600	+25%	CR-V in DC
Florida	$1,745	$870	+45%	CR-V in FL
Georgia	$1,500	$705	+25%	CR-V in GA
Hawaii	$815	$350	−32%	CR-V in HI
Idaho	$815	$325	−32%	CR-V in ID
Illinois	$1,035	$400	−14%	CR-V in IL
Indiana	$850	$325	−29%	CR-V in IN
Iowa	$810	$250	−33%	CR-V in IA
Kansas	$955	$325	−20%	CR-V in KS
Kentucky	$1,015	$425	−15%	CR-V in KY
Louisiana	$1,670	$640	+39%	CR-V in LA
Maine	$760	$345	−37%	CR-V in ME
Maryland	$1,350	$605	+13%	CR-V in MD
Massachusetts	$1,175	$475	−2%	CR-V in MA
Michigan	$1,300	$620	+8%	CR-V in MI
Minnesota	$1,000	$380	−17%	CR-V in MN
Mississippi	$1,145	$430	−5%	CR-V in MS
Missouri	$1,090	$415	−9%	CR-V in MO
Montana	$955	$315	−20%	CR-V in MT
Nebraska	$960	$325	−20%	CR-V in NE
Nevada	$1,395	$700	+16%	CR-V in NV
New Hampshire	$845	$325	−30%	CR-V in NH
New Jersey	$1,460	$755	+22%	CR-V in NJ
New Mexico	$1,075	$420	−10%	CR-V in NM
New York	$1,625	$750	+35%	CR-V in NY
North Carolina	$885	$360	−26%	CR-V in NC
North Dakota	$760	$225	−37%	CR-V in ND
Ohio	$855	$325	−29%	CR-V in OH
Oklahoma	$1,075	$380	−10%	CR-V in OK
Oregon	$1,090	$505	−9%	CR-V in OR
Pennsylvania	$1,040	$345	−13%	CR-V in PA
Rhode Island	$1,455	$660	+21%	CR-V in RI
South Carolina	$1,295	$590	+8%	CR-V in SC
South Dakota	$915	$255	−24%	CR-V in SD
Tennessee	$990	$365	−18%	CR-V in TN
Texas	$1,420	$560	+18%	CR-V in TX
Utah	$1,095	$525	−9%	CR-V in UT
Vermont	$770	$255	−36%	CR-V in VT
Virginia	$1,030	$505	−14%	CR-V in VA
Washington	$1,050	$475	−13%	CR-V in WA
West Virginia	$995	$350	−17%	CR-V in WV
Wisconsin	$820	$300	−32%	CR-V in WI
Wyoming	$930	$260	−23%	CR-V in WY

Honda CR-V insurance by driver profile

Estimated annual Honda CR-V premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,360	$1,975	$3,305	$275
Young adult (22)	$790	$1,150	$1,920	$160
Adult in their 30s	$495	$720	$1,200	$100
Adult in their 50s	$455	$660	$1,105	$92
Senior (72)	$555	$805	$1,345	$112
30s, one at-fault accident	$720	$1,040	$1,740	$145
30s, DUI on record	$915	$1,330	$2,220	$185

Honda CR-V vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Honda CR-V	$1,200	63	65	—
Subaru Forester	$1,140	64	84	Compare
Mazda CX-5	$1,325	80	71	Compare
GMC Terrain	$1,480	85	81	Compare

Estimate Honda CR-V insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Honda models

HR-V $1,465/yr
Odyssey $1,280/yr
Prelude $1,895/yr
Accord $1,680/yr
Civic $1,790/yr
Passport $1,255/yr
Pilot $1,160/yr
Prologue $1,520/yr
Ridgeline $1,350/yr
Insight $1,395/yr
Clarity $1,410/yr
Fit $1,305/yr
CR-Z $1,450/yr
Crosstour $1,165/yr
Element $1,165/yr
S2000 $1,445/yr

All Honda insurance costs →

Frequently asked questions

How much is insurance for a Honda CR-V?

We estimate about $1,200 a year ($100 a month) for full coverage and $495 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 25% less than the average vehicle.

Is the Honda CR-V expensive to insure?

HLDI insurance-loss data rates it at 63 for collision and 65 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much better than average.

Which state is cheapest to insure a Honda CR-V?

Maine has the lowest estimate (about $760 a year for full coverage) and Florida the highest (about $1,745).

What is the Honda CR-V's NHTSA safety rating?

The 2027 Honda CR-V earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Honda CR-V a commonly stolen car?

Yes. It ranks #9 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

Is the Honda CR-V cheaper to insure than the Subaru Forester?

By our estimate the Honda CR-V costs about $1,200 a year versus $1,160 for the Subaru Forester, making the Subaru Forester cheaper to insure.

How much is Honda CR-V insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,305 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page