The Honda CR-V is a compact crossover SUV that first debuted in 1997. The 2026 Honda CR-V is available with either a 1.5L turbocharged engine or an efficient hybrid powertrain. No matter which type of CR-V you drive, it needs to be protected with the right car insurance.
When you're looking for the best Honda CR-V insurance, an independent insurance agent can help you. These agents know which local insurance companies offer Honda insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Honda CR-V by model year and top-rated insurance company in 2026.
Key Takeaways - Honda CR-V Car Insurance
Honda CR-V insurance costs an average of $2,139 per year, or approximately $178 per month, for full coverage in 2026.
Minimum coverage averages $1,104 per year, or approximately $92 per month.
Honda CR-V insurance rates vary considerably by state, with drivers in Wyoming paying an average of only $32 per month for minimum coverage, while those in Louisiana pay $185.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Honda CR-V insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda CR-V model.
What Is Honda CR-V Insurance?
Honda CR-V insurance is a type of car insurance policy that includes specialized coverage to protect your unique vehicle. As a compact crossover SUV, your CR-V may require additional coverage beyond that needed by a sedan, especially if you drive a hybrid model. The vehicle has comparable insurance rates to others in its class.
Recommended coverage options for Honda CR-V drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Honda CR-V:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Honda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
A local independent insurance agent can help you compare Honda CR-V car insurance rates in your area, including Honda CR-V hybrid insurance costs, CR-V LX insurance costs, CR-V EX/EX-L insurance costs, CR-V Sport insurance costs, CR-V Touring/Sport Touring insurance costs, and more. They'll help you find the cheapest insurance for a Honda CR-V.
How Much Does Honda CR-V Insurance Cost?
The average cost of car insurance for a Honda CR-V is $2,139 per year, or approximately $178 per month, for full coverage. The cost of minimum coverage averages $1,104 per year, or approximately $92 per month. However, several factors can influence the cost of Honda insurance, including:
- The specific type of CR-V you drive
- The types and amount of coverage you need
- Your claims history
- Your location
- Your driving history
- Your credit score (where allowed)
An independent insurance agent can help you find affordable coverage, whether you're looking for Honda CR-V full coverage insurance or a basic Honda CR-V liability insurance policy.
Is the Honda CR-V Expensive to Insure?
No, the Honda CR-V isn't expensive to insure when compared to many similar vehicles. Perhaps you've been asking, "Is a Honda CR-V cheaper to insure than a Toyota RAV4?" The Honda CR-V's average monthly car insurance rates are quite level with those of the Hyundai Venue, the Toyota RAV4, and the Kia Sorrento. SUV crossover enthusiasts can potentially save money on auto insurance by choosing a Honda CR-V.
| Vehicle | Average Monthly Cost of Car Insurance |
| Mazda CX-5 | $134 |
| Hyundai Ioniq Hybrid | $135 |
| Hyundai Venue | $135 |
| Honda CR-V | $135 |
| Toyota RAV4 | $135 |
| Kia Sorrento | $135 |
| Lincoln Navigator | $135 |
| Toyota Venza | $135 |
| Infiniti QX50 | $135 |
| Acura ADX | $136 |
Honda CR-V Insurance Costs by Model Year
Next, we'll break down several model years of the Honda CR-V and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2025 Honda CR-V | $2,042 |
| 2024 Honda CR-V | $1,955 |
| 2023 Honda CR-V | $1,844 |
| 2022 Honda CR-V | $1,750 |
| 2021 Honda CR-V | $1,698 |
| 2020 Honda CR-V | $1,661 |
| 2019 Honda CR-V | $1,602 |
| 2018 Honda CR-V | $1,562 |
| 2017 Honda CR-V | $1,524 |
| 2016 Honda CR-V | $1,461 |
| 2015 Honda CR-V | $1,418 |
| 2014 Honda CR-V | $1,388 |
| 2013 Honda CR-V | $1,356 |
| 2012 Honda CR-V | $1,341 |
| 2011 Honda CR-V | $1,324 |
Cheapest Honda CR-V Car Insurance Companies for 2026
You can find affordable Honda CR-V insurance from many auto insurance companies across the country. These top-rated car insurance carriers provide the cheapest model-year 2025 Honda CR-V insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,483 |
| American Family | $1,500 |
| USAA | $1,596 |
| Nationwide | $1,599 |
| Erie | $1,897 |
| Allstate | $3,281 |
Honda CR-V Car Insurance Rates by State
Your location can have a major influence on your Honda CR-V auto insurance costs. Here are some average Honda CR-V car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $76 | $144 |
| Alaska | $64 | $136 |
| Arizona | $109 | $204 |
| Arkansas | $73 | $162 |
| California | $86 | $174 |
| Colorado | $87 | $207 |
| Connecticut | $127 | $219 |
| Delaware | $132 | $222 |
| Florida | $124 | $286 |
| Georgia | $137 | $225 |
| Hawaii | $48 | $108 |
| Idaho | $50 | $101 |
| Illinois | $83 | $154 |
| Indiana | $59 | $116 |
| Iowa | $49 | $119 |
| Kansas | $65 | $153 |
| Kentucky | $115 | $195 |
| Louisiana | $185 | $396 |
| Maine | $47 | $96 |
| Maryland | $141 | $237 |
| Massachusetts | $94 | $197 |
| Michigan | $141 | $271 |
| Minnesota | $74 | $152 |
| Mississippi | $78 | $155 |
| Missouri | $104 | $208 |
| Montana | $62 | $148 |
| Nebraska | $66 | $150 |
| Nevada | $169 | $306 |
| New Hampshire | $63 | $112 |
| New Jersey | $154 | $253 |
| New Mexico | $74 | $164 |
| New York | $114 | $204 |
| North Carolina | $74 | $144 |
| North Dakota | $53 | $115 |
| Ohio | $69 | $133 |
| Oklahoma | $83 | $183 |
| Oregon | $114 | $200 |
| Pennsylvania | $76 | $178 |
| Rhode Island | $113 | $201 |
| South Carolina | $95 | $177 |
| South Dakota | $46 | $141 |
| Tennessee | $71 | $144 |
| Texas | $117 | $242 |
| Utah | $100 | $170 |
| Vermont | $39 | $93 |
| Virginia | $87 | $142 |
| Washington | $85 | $158 |
| West Virginia | $77 | $157 |
| Wisconsin | $58 | $128 |
| Wyoming | $32 | $96 |
Average Honda CR-V Insurance Rates by Driver Age and Insurance Company
A driver's age is one of the main factors that influences car insurance premiums. At age 25, car insurance rates drop dramatically until about age 65, then gradually climb again. Here are some average model-year 2025 Honda CR-V insurance rates by driver age and insurance company in 2026.
| Nationwide | Travelers | Allstate | Progressive | |
| Age 16 | $661 | $825 | $1,034 | $1,086 |
| Age 17 | $604 | $591 | $809 | $877 |
| Age 18 | $557 | $466 | $653 | $728 |
| Age 19 | $472 | $359 | $483 | $405 |
| Age 20 | $399 | $317 | $432 | $353 |
| Age 21 | $259 | $233 | $336 | $285 |
| Age 22 | $240 | $213 | $305 | $254 |
| Age 23 | $224 | $196 | $288 | $227 |
| Age 24 | $212 | $181 | $272 | $209 |
| Age 25 | $189 | $157 | $241 | $180 |
Honda CR-V Insurance Rates by Trim Level
Your vehicle's trim can also impact your car insurance rates. The Honda CR-V's average monthly minimum coverage rates range from $60 for the Special Edition Sport Utility 4D to $128 for the EX-L w/Navigation Sport Utility 4D.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Special Edition Sport Utility 4D | $60 | $117 |
| LX | $71 | $138 |
| Sport Suv 4D | $73 | $141 |
| EX | $77 | $150 |
| SE Sport Utility 4D | $78 | $150 |
| Sport | $82 | $159 |
| EX-L | $82 | $160 |
| Sport Touring Sport Utility 4D | $85 | $165 |
| LX Sport Utility 4D | $86 | $165 |
| Sport L | $89 | $172 |
| EX Sport Utility 4D | $92 | $177 |
| Sport Touring | $96 | $186 |
| EX-L Sport Utility 4D | $101 | $196 |
| Touring Sport Utility 4D | $109 | $210 |
| e:FCEV | $121 | $236 |
| EX-L w/Navigation Sport Utility 4D | $128 | $247 |
Best Honda CR-V Insurance Discounts: How to Lower Your Honda CR-V Insurance Premiums
You can potentially save even more money on your Honda CR-V insurance when you follow any of these simple tips:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Honda CR-V insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda CR-V insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Honda CR-V insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
A local independent insurance agent can help you find the cheapest coverage for your Honda CR-V. They can also recommend additional strategies that may help reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Honda CR-V Insurance Quotes
When it's time to find the most affordable Honda CR-V insurance, no one's better equipped to help than a local independent insurance agent. These agents know which local carriers offer the best overall blend of Honda CR-V car insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda CR-V Insurance
How much does Honda CR-V insurance cost per year?
The average cost of full coverage for a Honda CR-V is $2,139 per year, or approximately $178 per month. The cost of minimum coverage averages $1,104 per year, or approximately $92 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda CR-V insurance premiums?
Having filed past claims, accidents on your record, or living in an area with high theft rates can all increase the cost of Honda CR-V auto insurance.
Is the Honda CR-V expensive to insure?
No, the Honda CR-V's average insurance rates are actually quite comparable to those of many similar vehicles in its class. The CR-V's average monthly insurance rates are the same as those for the Toyota RAV4, the Kia Sorrento, and other popular vehicles.
What are the best and cheapest carriers for Honda CR-V insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Honda CR-V insurance this year.
How can I get cheaper Honda CR-V insurance?
Finding cheaper Honda CR-V insurance is easy when you work with an independent insurance agent who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/honda-cr-v-insurance/
https://www.thezebra.com/auto-insurance/vehicles/honda/cr-v/