Honda CR-V Car Insurance Cost for 2022

How much does Honda CR-V insurance cost? We break down average car insurance rates from the base LX model up to the high-end Touring trim level to see how prices compare to other compact SUVs.

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How much does Honda CR-V car insurance cost?

Honda CR-V insurance costs on average $1,336 per year for a full coverage policy. Monthly insurance cost for a CR-V ranges from $105 to $119, depending on the trim level.

With the average small SUV costing $1,426 a year to insure, the Honda CR-V is $90 cheaper each year than the segment average rate.

When compared to the national average car insurance cost for all vehicles of $1,567 per year, Honda CR-V insurance costs 14.7% less.

The following chart illustrates how average CR-V car insurance rates change based on the age of the driver and the chosen policy deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Honda CR-V with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda CR-V trim levels.Data last updated on September 8, 2022
Honda CR-V Car Insurance Rates
Honda CR-V Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,264$189
$500$2,662$222
$250$3,086$257
30$1,000$1,184$99
$500$1,406$117
$250$1,638$137
40$1,000$1,132$94
$500$1,336$111
$250$1,548$129
50$1,000$1,036$86
$500$1,218$102
$250$1,410$118
60$1,000$1,018$85
$500$1,196$100
$250$1,386$116

The chart of insurance rates above is intended to give a brief glimpse at the variability of insurance rates. If we added every rate for every possible rating scenario, including every possible driver risk and policy option, all CR-V trim levels, AND every zip code in the U.S., the chart would show about 774,144,000,000 different insurance rates just for a 2022 CR-V.

To give you a better idea of the full range of possible rates, consider that a liability-only insurance policy on a Honda CR-V in the cheapest areas of Maine or Virginia may be as low as $222 a year, while a newly-licensed teen driver with an at-fault accident or two and a few violations in urban New Orleans, Louisiana, could be as much as $15,392 a year for a policy with full coverage.

Other insights that reinforce the extreme variability of car insurance include:

  • Car insurance for teenagers is expensive. Average rates for full coverage CR-V insurance costs $4,832 per year for a 16-year-old driver, $4,514 per year for a 17-year-old driver, and $4,212 per year for a 18-year-old driver.
  • More policy discounts means cheap Honda CRV car insurance rates. Discounts may be available if the insured drivers are senior citizens, insure multiple vehicles on the same policy, insure their home and car with the same company, are accident-free, belong to certain professional organizations, or many other policy discounts which could save the average driver as much as $226 per year.
  • Young males pay a lot more for insurance. For a 2022 Honda CR V, a 20-year-old male pays an average price of $2,662 per year, while a 20-year-old female will get a rate closer to $1,972, a difference of $690 per year in favor of the women by a long shot. But by age 50, the cost for a male driver is $1,218 and rates for female drivers are $1,194, a difference of only $24.
  • Good credit scores mean better rates. In states that give the go-ahead for an insured’s credit score to be used as a policy cost factor, drivers who have credit scores over 800 may save as much as $210 per year versus a credit score ranging from 670-739. Conversely, an imperfect credit score below 579 could cost an additional $243 or more per year.
  • Younger drivers pay higher rates. The difference in 2022 Honda CRV car insurance rates between a 60-year-old driver ($1,196 per year) and a 20-year-old driver ($2,662 per year) is $1,466, a difference of 55.1%.
  • The higher deductible you choose, the lower the policy cost. Increasing deductibles from $500 to $1,000 could save around $204 per year for a 40-year-old driver and $398 per year for a 20-year-old driver.
  • Lowering deductibles makes car insurance more expensive. Lowering your physical damage coverage deductibles from $500 to $250 could cost an additional $212 per year for a 40-year-old driver and $424 per year for a 20-year-old driver.
  • Your employment could save you money. The vast majority of auto insurance companies offer policy discounts for having a job in professions like nursing, the military, law, first repsponders, college professors, and others. Qualifying for an occupational discount could potentially save between $40 and $159 on your CRV insurance bill, depending on the level of coverage purchased and the availability of the discounts.

Is the Honda CR-V expensive to insure?

With Honda CR-V car insurance ranging from $1,256 to $1,424 per year for an average driver, the cheapest trim level to insure is the LX. The next cheapest model to insure is the Special Edition at $1,264 per year. On average, plan on paying $105 per month for full coverage CR-V insurance.

For higher-end trim levels, the three most expensive CR-V models to insure are the Hybrid EX-L, the Touring, and the Hybrid Touring trim levels at $1,378,  $1,410, and $1,424 per year, respectively.

The rate table below details average yearly and 6-month car insurance costs, plus a monthly amount for budgeting, for each 2022 Honda CR-V model package and trim level.

2022 Honda CR-V Insurance Cost by Trim Level
Honda CR-V Trim Level Annual Policy 6-month Policy Per Month
LX$1,256$628$105
Special Edition$1,264$632$105
EX$1,268$634$106
Hybrid EX$1,332$666$111
EX-L$1,350$675$113
Hybrid EX-L$1,378$689$115
Touring$1,410$705$118
Hybrid Touring$1,424$712$119

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda CR-V, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Honda CR-V Insurance Cost by Trim Level

Is CR-V insurance cheaper than other small SUVs?

The Honda CR-V ranks #15 out of 46 total vehicles in the 2022 small SUV category. The CR-V costs an average of $1,336 per year for full coverage insurance and the category average cost is $1,426 annually, a difference of $90 per year.

When compared directly to other top-selling small SUVs, insurance for a 2022 Honda CR-V costs $104 less per year than the Toyota RAV4, $88 less than the Chevrolet Equinox, $156 less than the Nissan Rogue, and $162 less than the Ford Escape.

The chart below shows how average Honda CR-V auto insurance rates compare to the other best-selling small SUVs in America. A more comprehensive table in displayed after the chart that shows average car insurance rates for all 46 models in the small SUV category.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Honda CR-V, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda CR-V trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Insurance Cost Comparison: Honda CR-V vs Top 10 Small SUVs
Honda CR-V Insurance Cost Compared to All Small SUVs
Rank Make/Model Insurance Cost Difference
1Mazda CX-5$1,158-$178
2Nissan Kicks$1,190-$146
3Chevrolet Trailblazer$1,196-$140
4Subaru Crosstrek$1,224-$112
5Toyota C-HR$1,254-$82
6Buick Encore$1,260-$76
7Nissan Rogue Sport$1,272-$64
8Hyundai Venue$1,294-$42
9Buick Envision$1,298-$38
10Kia Seltos$1,300-$36
11Toyota Corolla Cross$1,310-$26
12Hyundai Kona$1,318-$18
13Subaru Forester$1,320-$16
14Volkswagen Tiguan$1,324-$12
15Honda CR-V$1,336--
16Mazda CX-30$1,350$14
17Honda HR-V$1,370$34
18Ford Ecosport$1,380$44
19Chevrolet Trax$1,398$62
20GMC Terrain$1,404$68
21Mitsubishi Eclipse Cross$1,408$72
22Hyundai Tucson$1,416$80
23Chevrolet Bolt$1,420$84
24Chevrolet Equinox$1,424$88
25Volkswagen Taos$1,428$92
26Fiat 500X$1,434$98
27Toyota RAV4$1,440$104
28Kia Soul$1,442$106
29Mazda MX-30$1,472$136
30Jeep Compass$1,478$142
31Kia Niro$1,480$144
32Nissan Rogue$1,492$156
33Ford Escape$1,498$162
34Hyundai Ioniq 5$1,514$178
35Mini Cooper Clubman$1,516$180
36Jeep Renegade$1,518$182
37Kia Sportage$1,524$188
38Ford Bronco$1,532$196
39Volkswagen ID4$1,554$218
40Mini Cooper$1,564$228
41Mini Cooper Countryman$1,582$246
42Mitsubishi Outlander$1,640$304
43Mitsubishi Mirage$1,658$322
44Ford Mustang Mach-E$1,726$390
45Hyundai Nexo$1,744$408
46Jeep Wrangler$1,746$410

Comparing the cost of insurance for a CR-V to compact SUV models with similar average MSRP can provide another useful insight into how affordable it is to insure a CR-V.

The 2022 Honda CR-V has an average sticker price of $31,728, ranging from the LX trim at $26,400 to the Hybrid Touring trim at $37,400.

The vehicles that have the most similar average cost to the Honda CR-V are the Mitsubishi Outlander, Ford Escape, Nissan Rogue, and Kia Niro. The list below shows how these models compare to a CR-V both by average purchase price and average car insurance cost.

  • Honda CR-V vs. Mitsubishi Outlander – The 2022 Honda CR-V has an average MSRP that is $173 more expensive than the Mitsubishi Outlander ($31,728 versus $31,555). The cost to insure a Honda CR-V compared to the Mitsubishi Outlander is $304 less each year on average.
  • Honda CR-V vs. Ford Escape – The 2022 Ford Escape retails for an average of $31,923, ranging from $26,010 to $38,785, which is $195 more expensive than the average MSRP for the Honda CR-V. Drivers can expect to pay an average of $162 more annually for full-coverage insurance on the Ford Escape compared to a CR-V.
  • Honda CR-V vs. Nissan Rogue – The average MSRP for a 2022 Honda CR-V is $523 more expensive than the Nissan Rogue, at $31,728 compared to $31,205. Insurance for the Nissan Rogue costs an average of $156 more every 12 months than the Honda CR-V.
  • Honda CR-V vs. Kia Niro – The 2022 Honda CR-V has an average MSRP that is $649 more expensive than the Kia Niro ($31,728 versus $31,079). Insuring a 2022 CR-V compared to the Kia Niro costs an average of $144 less each year.

Will a used CR-V cost less to insure?

Skipping the 2022 model and instead driving an older model year Honda CR-V may reduce your insurance bill by $426 per year at the very least. Current model year vehicles have a much higher replacement value, and older models have less value, which translates into a lower insurance cost.

The data below illustrates average full coverage Honda CR-V insurance rates for the 2013 through 2022 model years. Average rates range from the cheapest price of $910 for a 2013 Honda CR-V to the most expensive rate of $1,196 for a 2021 CR-V.

Honda CR-V Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Honda CR-V$1,336$668$111
2021 Honda CR-V$1,196$598$100
2020 Honda CR-V$1,174$587$98
2019 Honda CR-V$1,110$555$93
2018 Honda CR-V$1,088$544$91
2017 Honda CR-V$1,058$529$88
2016 Honda CR-V$1,034$517$86
2015 Honda CR-V$1,006$503$84
2014 Honda CR-V$946$473$79
2013 Honda CR-V$910$455$76

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Honda CR-V Insurance Cost by Model Year

How much is liability insurance on a Honda CR-V?

Deleting physical damage insurance coverage on an older Honda CR-V may save the average driver $456 or more annually, depending on the level of physical damage deductibles and the driver age.

A common rule of thumb for dropping full coverage is when the value of the vehicle drops below 10 times the cost of the coverage, it’s time to consider removing the coverage from the policy.

For example, if the cost of comprehensive and collision coverage combined on your Honda is $600 a year, the point at which it may make sense to drop full coverage is when the replacement value of the SUV falls below $6,000.

Removing full coverage is a completely personal decision and there is no right or wrong time to do it. If you do drop it, you may want to ensure you have the financial resources available to purchase a different vehicle if your CR-V is totaled in an accident or weather-related incident.

The table below compares full coverage annual insurance rates to liability-only annual rates starting with the second generation CR-V in 2002 up to the 2012 model year.

Honda CR-V Insurance Rates for 2002 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Honda CR-V$882$450
2011 Honda CR-V$858$448
2010 Honda CR-V$826$444
2009 Honda CR-V$796$440
2008 Honda CR-V$764$436
2007 Honda CR-V$732$430
2006 Honda CR-V$704$422
2005 Honda CR-V$694$418
2004 Honda CR-V$682$414
2003 Honda CR-V$662$412
2002 Honda CR-V$648$408

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Honda CR-V model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 8, 2022
Honda CR-V Liability Insurance Rates