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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Our research found that Honda CR-V drivers typically pay about $89 per month for basic liability coverage and $164 per month for full-coverage insurance. But your personal rates will vary by factors like your age, driving record, where you live, and more. For example, North Carolina has the cheapest CR-V coverage, averaging $63 monthly, but Connecticut drivers have the highest CR-V rates, averaging $254.
The CRV’s safety record helps keep insurance costs low. From 2015 to 2024, it was an Insurance Institute for Highway Safety Top Safety Pick.[1]
Honda CR-V insurance costs an average of $127 per month.
Novo offers the cheapest average Honda CR-V insurance premiums.
The CR-V EX offers safety features that can help lower rates without the expensive price tag of the Touring.
The type of policy you choose greatly influences how much you pay for Honda CR-V insurance. State-minimum liability coverage is the cheapest insurance option, covering property damage you might cause to others. Full-coverage insurance is more expensive but adds comprehensive and collision coverage to protect your CR-V against theft, weather damage, and accidents.
Here’s a quick look at what CR-V owners typically pay compared to the U.S. national average for all vehicles, according to Compare.com data:
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Honda CR-V | $89 | $164 | $127 |
| All vehicles | $107 | $197 | $152 |
CR-V owners pay around $89 per month for liability coverage and about $164 per month for full coverage. But your rates might differ depending on factors like your driving history and ZIP code.
View personalized rates and save money in seconds.
Even though CR-V owners typically pay less than the U.S. national average for insurance, you can save more on coverage with the right company.
The table below lists the five cheapest companies for Honda CR-V insurance, according to our data:
Company | Average Monthly Premium |
|---|---|
| Novo | $40 |
| Mile Auto | $53 |
| Certainly | $63 |
| Just Insure | $69 |
| Root | $76 |
Novo offers the most budget-friendly coverage, at just $40 per month. But just because these are the best companies with the lowest average rates doesn’t mean they’ll have the cheapest premiums for you. You should use a car insurance comparison site to get quotes from multiple companies to make sure you get the best deal.
Let’s look at car insurance costs for different types of CR-V drivers.
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Shopping for Honda CR-V insurance can be challenging, but finding the right company can make a real difference in your coverage. Keep in mind that no single insurer fits every driver, so what works for your neighbor might not work for you.
We’ve picked some of the best insurers for different CR-V drivers to help you decide on the right company for you.
Compare.com Rating: 4.90 out of 5
Above-average customer service ratings
Offers 24-hour roadside service
Quotes not available online
Few customizable policy options
Adding a 16-year-old driver to your Honda CR-V insurance policy can sting, but State Farm eases the pain with programs designed for young drivers.
The Steer Clear program gives drivers younger than 25 safe driving education while reducing premiums. Combine that with discounts for good grades and driver training, and teen car insurance becomes slightly less scary with State Farm.
Compare.com Rating: 3.43 out of 5
Uses your driving habits to set rates
Easy policy management with mobile app
Roadside assistant available
High-risk drivers may not be eligible for coverage
Not available in all U.S. states
Few customizable policy options
Root takes a different approach to car insurance for your CR-V. Instead of focusing on your credit history or where you live, the company primarily looks at how you drive.
You can get a quote using Root’s mobile app to track your driving habits, and safe drivers often see their rates drop compared to traditional insurance.
Compare.com Rating: 4.65
Easy policy management with mobile app
Many discounts available
Available in all 50 states and Washington, D.C.
Gap insurance not available
Few customizable policy options
Below-average customer and claims satisfaction ratings
GEICO might be a good pick if you want basic coverage for your Honda CR-V. The company offers simple, affordable policies that meet state requirements without unnecessary extras.
With GEICO, you can get an online quote in minutes and buy coverage entirely online.
Compare personalized quotes from these insurers and more.
Your CR-V’s age plays a large part in what you’ll pay for car insurance. Newer vehicle models with higher price tags cost more to repair and replace if something goes wrong, so insurance companies charge more to cover them. A brand-new model might turn heads but also increases your auto insurance premiums.
Here’s how CR-V insurance costs break down by vehicle model year, according to Compare.com data.
CR-V Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2024 | $159 | Mile Auto | $68 |
| 2023 | $153 | Mile Auto | $69 |
| 2022 | $141 | Mile Auto | $52 |
| 2021 | $136 | Mile Auto | $62 |
| 2020 | $129 | Mile Auto | $51 |
| 2019 | $133 | Mile Auto | $57 |
| 2018 | $129 | Mile Auto | $57 |
| 2017 | $124 | Certainly | $50 |
| 2016 | $120 | Mile Auto | $46 |
| 2015 | $123 | Mile Auto | $55 |
Where you live can matter even more than what model year CR-V you drive. Let’s look at how rates vary across different states.
Your ZIP code plays a major role in determining your CR-V insurance costs. Traffic patterns, weather conditions, theft rates, and local insurance regulations all factor into your premium. If you move across state lines with your CR-V, you might be surprised at how your car insurance bill changes — even with the same driving record and coverage levels.
Here’s how rates vary for Honda CR-V owners in different states, according to Compare.com data:
State | Average Monthly Premium |
|---|---|
| AL | $83 |
| AZ | $112 |
| AR | $160 |
| CA | $161 |
| CO | $131 |
| CT | $254 |
| DE | $155 |
| FL | $163 |
| GA | $166 |
| ID | $84 |
| IL | $104 |
| IN | $90 |
| IA | $76 |
| KS | $103 |
| KY | $163 |
| LA | $151 |
| ME | $99 |
| MD | $230 |
| MA | $126 |
| MI | $196 |
| MN | $126 |
| MS | $126 |
| MO | $123 |
| MT | $102 |
| NE | $118 |
| NV | $199 |
| NH | $77 |
| NJ | $133 |
| NM | $97 |
| NY | $322 |
| NC | $63 |
| ND | $97 |
| OH | $85 |
| OK | $108 |
| OR | $108 |
| PA | $109 |
| RI | $96 |
| SC | $184 |
| SD | $81 |
| TN | $94 |
| TX | $148 |
| UT | $122 |
| VT | $91 |
| VA | $121 |
| WA | $93 |
| DC | $190 |
| WV | $97 |
| WI | $85 |
| WY | $81 |
The difference in premiums between states can be pretty striking. But another factor — your age — might affect your rates just as much as your location.
Your age has a big effect on your Honda CR-V insurance bill. Insurance companies use your age to predict how likely you are to file a claim.[2] Teen and young drivers between the ages of 20 and 24 have higher chances of getting into a car accident, according to the National Safety Council.[3]
The table below shows how much CR-V insurance costs for different age groups, according to Compare.com data:
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $239 | Novo | $117 |
| 20s | $163 | Novo | $80 |
| 30s | $127 | Novo | $62 |
| 40s | $116 | Novo | $57 |
| 50s | $104 | Novo | $51 |
| 60s | $98 | Novo | $48 |
| 70s | $105 | Novo | $51 |
Teen CR-V drivers pay more than double what older, more experienced drivers pay. But rates drop once you hit your mid-20s — and keep falling until your 70s.
Insurance companies keep track of your driving history, and past mistakes can affect your premiums.
You’ll likely feel the effect of speeding tickets, accidents, and DUIs for years. Insurers see these incidents as indicators that you might be more likely to file a claim.
Check out how your driving record affects your CRV insurance rates, according to our data:
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $127 | Novo | $62 |
| Speeding ticket | $176 | Novo | $86 |
| At-fault accident | $184 | Novo | $90 |
| DUI | $209 | Novo | $102 |
A single speeding ticket can increase your premiums by nearly $50 per month — adding up to an extra $600 per year. But Novo consistently offers the lowest rates, including for drivers with DUIs or at-fault accidents.
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Your insurance company considers your CR-V’s features when pricing your policy. Opting for basic features or splurging for fancy upgrades can change how much you pay for insurance.
A few CR-V features that can affect your insurance costs include:
Honda Sensing: Honda’s suite of safety features includes forward collision warning, automatic braking, and lane assistance,[4] which can reduce your risk of being in an accident.
Trim level: The CR-V has six trim levels with different values and repair costs.[5] The more expensive your vehicle, the more costly it’ll be to insure.
Advanced safety features: Some CR-V models include blind-spot monitoring and cross-traffic sensors that can help prevent minor accidents.
Affordability: The CR-V’s relatively low price[6] means cheaper replacement costs.
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After buying your CR-V, the last thing you want is to overpay for insurance. Here are some tips to help you save money on your policy:
Consider the EX over the Touring. The Touring has nice features, but the EX has most of the same safety features and can be cheaper to insure.
Pass on all-wheel drive (AWD). AWD increases the value and repair costs of your CR-V, which also increases your insurance prices.
Bundle your policies. Check if your insurer offers a bundling discount. Insuring your CR-V with the same company as your home or apartment can reduce premiums across all your policies.
Raise your deductible. Raising your deductible can significantly reduce your monthly premium. But make sure you can cover expenses if you need to file a claim because you’ll pay more out of pocket.
Compare quotes. Insurance companies can adjust their pricing, so shopping around is the most effective way to find savings.
Get personalized quotes from top insurance companies.
We’ve addressed some of drivers’ most common questions about insuring their CR-V. Check out the answers below.
No. Honda CR-Vs aren’t usually expensive to insure. CR-V drivers pay around $127 per month for car insurance, less than the U.S. national average of $152.
No. Hondas are typically not expensive to insure. They’re reliable, replacement parts aren’t hard to find, and repairs are relatively inexpensive.[7] That means your insurance company won’t have to pay as much if something goes wrong, so you’ll usually get lower rates.
The Honda Odyssey is the cheapest Honda car to insure — just $111 per month, according to our research. It comes with many standard safety features[8] that can help lower your premiums. Odyssey drivers also tend to have more experience on the road since many of them are families — that helps keep prices down.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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