A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 27, 2021

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Here's what you need to know...

  • Full coverage costs around $1,140 a year or $95 each month
  • A liability-only policy costs around $457 a year or $38 each month
  • Highest rates are for teenage drivers at around $4,167 a year or $347 each month
  • Good drivers can save as much as $470 a year by earning policy discounts
  • Honda CR-V insurance costs around $379 less per year than the average vehicle

Honda CR-V insurance rates average $95 a month or $1,140 a year for full coverage. The highest rates are for teens, who pay about $4,167 a year or $347 a month.

Drivers who are looking for an affordable, reliable and safe sport utility vehicle may be interested in the Honda CR-V. While it’s a good idea to review the features and capabilities of any car you’re considering, knowing what the expected price is for the insurance is very important as well.

Due to the Honda CR-V’s size, safety features, and mileage performance, it’s ideal for family lifestyles or people who need an SUV for work.

The CR-V is also a relatively inexpensive vehicle to buy, making it a good choice for people on a tight budget. In addition, if you’re a good driver and go about it the right away, you should expect to pay very little on car insurance. The best thing you can do to find the best rates is to check with auto insurance experts and multiple car insurance companies.

Honda CR-V insurance companies group all your information together to determine your rates. Check out great and cheap car insurance for your Honda CR-V by entering your ZIP code into our FREE tool above.

What things can impact car insurance rates for the Honda CR-V?

Are Honda CR-Vs expensive to insure? When you’re trying to determine what you’ll pay to insure your Honda CR-V, it’s important to remember that your rates depend on a wide range of factors. While insurance providers look at the type of car you’re driving, they also consider the driver’s personal circumstances as well. Some of the other things that are reviewed include:

  • Driving record
  • Credit score
  • Where the applicant lives
  • How much the vehicle is driven

Depending on your circumstances, a provider might charge you much more to insure your CR-V than another person with the exact same automobile. Of course, the good news is they could also charge you insurance premiums that are much less.

Driver age is also a factor in determining your Honda CR-V insurance cost. The older someone is, the more driving experience they tend to have. On average, a 40-year old driver is going to see a lower price range for auto insurance than teen drivers.

Although a person’s individual circumstances can have a big impact on their ability to secure comprehensive coverage at average rates, you can get an idea of what you might pay to insure your car by looking at the national averages. What you end up paying for your CR-V’s insurance could be different, but chances are, it will be relatively close.

According to Automobile Magazine, the average annual insurance cost for a 2012 Honda CR-V l is just $1,124. That makes the Honda vehicle one of the more affordable vehicles to insure in North America. To put that figure into perspective, according to the same publication, the average insurance cost for a 2012 BMW 1-Series 128i Coupe is $1,703.

Usually, as vehicles get older and lose their value, the cost of insuring them drops as well.

This table shows the average insurance rates for Honda CR-Vs by model year.

Car Insurance Rates by the Age of the Vehicle
Model YearComprehensiveCollisionLiabilityTotal
2020 Honda CR-V$280$408$316$1,140
2019 Honda CR-V$268$392$332$1,128
2018 Honda CR-V$256$388$338$1,118
2017 Honda CR-V$248$378$354$1,116
2016 Honda CR-V$240$362$364$1,102
2015 Honda CR-V$226$350$376$1,088
2014 Honda CR-V$218$326$384$1,064
2013 Honda CR-V$208$306$388$1,038
2012 Honda CR-V$200$274$390$1,000
2011 Honda CR-V$188$252$390$966
2010 Honda CR-V$180$236$394$946
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2020 Honda CR-V insurance costs on average $1,140 a year, but 2018 Honda CR-V insurance costs $1,118 a year. 

While these are average costs to insure more recent models of the Honda CR-V, if you follow these tips, you could be offered even lower insurance rates.

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How does your driving record impact your car insurance rates?

Not only is driving safely an effective way to protect you and your family, it will reduce your insurance premiums. Insurance providers offer lower rates to drivers they believe are less likely to get in an accident and cost them money. If you’ve already been found responsible for causing a crash, you likely saw your insurance company raise your premiums.

If you lack a clean driving record, you can expect to see more in monthly costs beyond average car insurance rates, as your risk profile isn’t as favorable as someone else’s.

Avoiding speeding or any other traffic tickets is also a good way to keep a lid on your insurance rates. If an insurance provider sees that you drive dangerously and speed a lot, they’ll charge you more. To them, you are more likely to inflict bodily injury to yourself or someone else and property damage. Nearly every major provider offers discounts to people who have taken driving lessons. This and other discounts may lower your cost of insurance.

Insurance companies believe that people who have completed driving lessons are more responsible and better drivers. If you haven’t taken any driving courses, you may want to consider doing so. Even if you’re already a great driver, you could save a fair amount of money by taking lessons. Every average driver could use a little extra practice, and it can help you in the long run of building a better record and achieving cheap car insurance rates! The better your record, the more competitive rates you will see, and the more you will save on the cost per month of your premiums.

How do safety ratings of the Honda CR-V affect car insurance rates?

While driving safely is a good way to reduce your premiums, so is driving a Honda CR-V that’s received great safety reviews. As the owner of any car will feel, the best way to be safe is to be as accident free as possible. Durable vehicles with modern safety features are better at protecting their passengers in the event of an accident. The safer the passengers are, the lower the damages that a provider has to pay for will be.

Safety features are one of the key reasons that insurance costs for the Honda CR-V are typically quite low. For example, some of the features the 20130 model comes with include anti-lock brakes, multiple airbags, vehicle stability assist with traction control, and a tire pressure monitoring system.

According to the Insurance Institute for Highway Safety (IIHS), models of the Honda CR-V from 2007 through 2012 received a good rating for impact tests that were done on the front and side of the car. The 2012 model also received a good rating for strength tests that were done on the roof.

Here are the IIHS ratings for the Honda CR-V.

Honda CR-V Safety Ratings from the IIHS
Test TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
Roof strengthGood
Head restraints and seatsGood
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This video shows the IIHS crash test for the 2012 Honda CR-V.

CR-Vs that were built from 2007 through 2011, however, only received a marginal score.

The National Highway Traffic and Safety Administration also administers crash test ratings. Check out the ratings for the CR-V below.

Honda CR-V Crash Test Ratings from the NHTSA
Vehicle TestedOverallFrontalSideRollover
2020 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2020 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2020 Honda CR-V HYBRID SUV AWD5 stars5 stars5 stars4 stars
2019 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2019 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2018 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2018 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2017 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2017 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
2016 Honda CR-V SUV FWD5 stars5 stars5 stars4 stars
2016 Honda CR-V SUV AWD5 stars5 stars5 stars4 stars
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The U.S. Department of Transportation’s Safecar.gov website gave the 2013 Honda CR-V 4WD five out of five stars for safety.

How can you save money by raising your car insurance deductible?

If you’re not living check-to-check and you have some savings, then agreeing to pay a higher deductible is a good way to lower your rates. The deductible is how much you agree to pay towards repairs when you file an insurance claim. If you agree to a $1,000 deductible, then that’s how much you’re required to pay towards damages.

The higher the deductible you choose, the less money your provider has to pay out in the event of an incident. Of course not everyone can afford paying a high deductible, but it is worth looking into if you can. It is unfortunate fact that not everyone has the same savings opportunities, but this isn’t the only thing you can do to lower the overall cost of your insurance.

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How can I lower my car insurance coverage levels to save money?

You can also lower the insurance rates for your Honda CR-V by carefully choosing the coverage you buy. Car accidents can easily result in thousands of dollars in damages, so it’s important to carry a good amount of insurance, but you may not need as much as someone else may.

Liability insurance covers the damages to another person or their property in a crash you cause. If you can afford it, carrying more than just the minimum amount of liability insurance required is extremely wise. You don’t want to be on the hook for someone else’s extensive bills.

If you drive an older CR-V, however, you may be able to reduce the amount of collision or comprehensive insurance for it. Collision pays for the repairs your car needs in an accident you cause. Comprehensive pays for damages that occur as a result of something outside of a collision — for example, a hailstorm or a falling piece of debris. An earlier model of the CR-V may not cost much to repair.

If you hardly drive, you may be eligible for a low mileage discount.

If you don’t plan to drive your Honda CR-V very much or live in a sparsely populated area, then you may not need as much insurance. Regardless of a driver’s skills, the more often a car is on the road or in busy traffic, the greater the chance for an accident.

Where can I shop around for better car insurance rates?

What are the best places to go and compare car insurance?

Even if you think you’ve found a great deal on some car insurance, be sure to shop around and compare the prices of other competitors. Insurance providers are always on the lookout for new customers. If you have a good driving record and solid credit rating, then many companies will even offer a discount just to get your business.

A great way to shop for car insurance is to use a website that compares quotes.

Before you buy anything, it’s a good idea to do a quick search to see which companies have received good reviews. While finding cheap insurance is great, you may be sorry that you went with the lowest offer if the company doesn’t provide quality service.

Honda CR-V History

Headquartered in Tokyo, Japan, Honda is one of the world’s largest automobile manufacturers. According to the company’s official website, it began building cars in 1963, and by 2003, Honda had produced 50 million units worldwide.

Honda conducts its operations based on its Three Joys, which are the joy of buying, the joy of selling, and the joy of creating.

The Honda CR-V is one of the manufacturer’s longest-running SUV series, but due to its compact size, the vehicles are often referred to as crossovers. In fact, because of the vehicle’s design, it’s often said that the CR-V stands for compact recreational vehicles.

Honda has been building the four-door CR-V since 1995. In recent years, the vehicle has evolved from a larger SUV into the more compact crossover models that are on the market today.

There are several different versions of the 2013 Honda CR-V, some of which include the two-wheel-drive LX, the two-wheel-drive AX, and the four-wheel-drive EX-L. All of the vehicles come equipped with a 2.4 liter, four-cylinder engine that delivers 185 horsepower.

The latest model gets approximately 23 miles per gallon while driving in the city. On the highway, the 2013 Honda CR-V can get as much as 31 miles per gallon. According to the official Honda CR-V website, the vehicle ranges in price from just under $23,000 to slightly above $30,000.

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What are some frequently asked questions about Honda CR-V insurance rates?

Did we miss anything? Take a look at the frequently asked questions below.

#1 – How much should I pay for a 2020 Honda CR-V?

When shopping around, it always helps to check a site such as Kelley Blue Book to see how much a car should be going for. The MSRP for a 2020 Honda CR-V is a little bit above $26,000.

That’s for the U.S. Honda CR-V; vehicle and insurance costs in India or GB will be quite different. 

#2 – Is a Toyota or Honda cheaper to insure?

This comes down to a lot of factors, including which specific vehicle you’re trying to insure. Both Hondas and Toyotas are typically on the cheaper end, as they usually have good safety ratings and features.

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#3 – What is the road tax on a Honda CR-V?

If you have your Honda CR-V in the UK, you can expect to pay between £140-£150 a year for road taxes.

#4 – What are the cheapest vehicles to insure?

What are the least expensive cars to buy car insurance for? The Honda CR-V is actually pretty cheap to insure, but other vehicles like the Subaru Outback and Ford Escape are also cheap.

#5 – Why is Honda Civic insurance so high?

Despite solid safety ratings, the Honda Civic can sometimes have higher car insurance than comparable sedans. One of the reasons is because it is stolen often.

The National Insurance Crime Bureau reports that the Honda Civic is the single most stolen vehicle in the country. That’s one of the reasons Honda Civic insurance costs more.

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#6 – What is the difference between Honda CR V SE and LX?

The Honda CRV LX is the base model. It does come with a rearview camera, but the SE also comes with a security system and 17-inch wheels.

Start shopping for your Honda CR-V’s insurance now by entering your ZIP code into the FREE box below.