Your Honda CRV car insurance rates may vary widely from one insurance company to the next. To get the best possible rates for your situation while adhering to local rules about how much and what types of car insurance you must carry, consult an independent insurance agent. Your agent can walk you through your options and help design an insurance plan that meets your needs.
Not sure where to find an independent insurance agent in your area?
Click on this find-an-agent tool to get matched with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Honda CRV.
What Kind of Insurance Do You Need for Your Honda CRV?
Bodily Injury Liability
Bodily injury liability pays for the other person's medical care after an accident you cause. It's required in most places and is an essential component of your liability policy.
Property Damage Liability
Property damage liability insurance is legally required. Your agent can help you decide whether it's smart to purchase more than the minimum required amount.
If you don't have enough bodily injury liability and property damage liability to cover the costs of an accident you cause, you'll have to pay for the remainder out of pocket.
Medical Payments/Personal Injury Protection
Medical payments insurance and personal injury protection pay medical bills for you and your passengers after a covered accident. With this type of coverage, you won't have to wait to find out who is to blame after an accident to get your medical bills paid.
Uninsured Motorist Coverage
Uninsured and underinsured motorist coverage pays to fix or replace your CRV if you are in a covered accident that's not your fault if the other person doesn't have adequate insurance. Without it, you may get stuck with repair and medical bills.
Collision insurance coverage replaces or repairs your CRV after a covered accident with another vehicle. Your agent can help you understand whether this is a good choice, considering the age and value of your car.
With comprehensive insurance coverage, you'll get protection from the financial effects of vandalism, theft, and accidents that aren't covered under your collision policy.
If you have a lease or loan on your CRV, the bank or dealership may require that you carry comprehensive and collision coverage until your the loan or lease on your SUV is paid off.
Replacing your Honda CRV glass can be expensive, but it may not be worth turning in and insurance claim if the cost doesn't go much higher than your deductible. With a zero-deductible glass coverage policy, you'll get a new windshield for a covered event without having to pay for it out of pocket.
Gap insurance helps bridge the "gap" between the total amount you owe on your CRV and the insurance settlement if you are in an accident and your vehicle is a total loss. Without gap insurance, you'll have to pay the remainder of your loan or lease off on your own.
If you think you owe more on your car than its market value and you didn't buy gap insurance at the dealership where you purchased your new CRV, talk with your agent about how this type of insurance could help you.
What Affects the Cost of Insurance for Your Honda CRV?
- Annual mileage: If you drive your CRV more than the average of 10,000 to 15,000 miles each year, expect to pay higher auto insurance premiums.
- Your driving record: CRV drivers with moving violations or at-fault accidents on their records should expect to pay higher insurance rates than those with spotless driving records.
- The value of your vehicle: Since newer vehicles cost more to repair or replace, it makes sense that owning a newer CRV means you'll pay higher rates.
|Average Annual Honda CRV Insurance Rates by Model Year:|
|2020 Honda CRV:||$1,140|
|2015 Honda CRV:||$1,088|
|2010 Honda CRV:||$946|
|2005 Honda CRV:||$832|
Average Honda CRV Insurance Costs
An average 40-year-old Honda CRV driver pays $1,140 annually for full coverage auto insurance. A liability-only policy costs an average of just $376 per year.
Your agent can help you fully understand how your coverage choices affect your premiums.
The Safety of Your Honda CRV
The NHTSA gave the 2019 Honda CRV an overall five-star safety rating. The SUV ranked "superior" in front crash prevention. Every 2020 Honda CRV comes standard with forward collision warning, collision mitigation braking system, brake assist, and electronic brake distribution.
How Location Affects Your Honda CRV Insurance
Your car insurance premiums may be higher or lower than average, depending on where you live. Average rates offer useful information, but your agent can give you a quote based on your specific attributes, including your location.
Here's how average Honda CRV full coverage insurance rates for a 40-year-old driver with a good driving record and a $500 deductible vary from one place to the next:
|Rural Areas||Small Cities||Large Cities|
Additional Factors That Affect Your Honda CRV Insurance Premiums
- Safety features like anti-theft devices
Average Cost to Insure a Honda CRV
|Average annual cost to insure a Honda CRV with full coverage:||$1,332|
|Top 3 most expensive states for Honda CRV insurance:|
|Michigan, New York, Florida||$1,540|
|Top 3 most affordable states for Honda CRV insurance:|
|New Hampshire, Ohio, and Utah||$820|
Top Independent Insurance Carriers That Insure the Honda CRV
According to a recent U.S. Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers:
- Auto-Owners Insurance
Get a Honda CRV Quote
With help from your independent insurance agent, you'll get the lowest possible rates on your Honda CRV policy with the insurance coverages you need most. This find-an-agent tool will give you a list of agents near you who can help you make important decisions about your coverage. Get started right away by getting in touch with an agent.
TrustedChoice.com Article | Reviewed by Greg Safford
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IIHS, Consumer Reports, Quote Inspector, iii.org, JD Power, Car and Driver