If you’re wondering how much it will cost to insure your Honda CR-V in 2025, you’re in the right place. Insurance rates for the Honda CR-V vary based on your location, driving record and model year.
A 2023 Honda CR-V typically costs around $1,955 per year to insure, although prices vary widely for older models. For example, a 2021 CR-V costs $1,836 annually, whereas you’ll pay $1,724 annually for a 2018 model (on average).
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Honda CR-V.
What is the cost to insure your Honda CR-V in 2025?
The average cost to insure a Honda CR-V is $161 per month or $1,932 annually for a full coverage policy. However, the specific rates may vary based on your age, location, coverage limit, insurance company, and driving history.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Honda CR-V
Nationwide offers the lowest car insurance rates for your Honda CR-V, with an average cost of $1,402 per year or $117 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Honda CR-V.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,402 | $701 | $117 |
| Geico | $1,601 | $800 | $133 |
| State Farm | $1,691 | $845 | $141 |
| Progressive | $1,862 | $931 | $155 |
| Farmers | $2,457 | $1,229 | $205 |
| Allstate | $2,635 | $1,318 | $220 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Honda CR-V car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Honda CR-V will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
The table below shows the average annual insurance costs for various model years of the Honda CR-V, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,527 | $763 | $127 |
| 2015 | $1,577 | $788 | $131 |
| 2016 | $1,615 | $807 | $135 |
| 2017 | $1,661 | $830 | $138 |
| 2018 | $1,724 | $862 | $144 |
| 2019 | $1,766 | $883 | $147 |
| 2020 | $1,809 | $905 | $151 |
| 2021 | $1,836 | $918 | $153 |
| 2022 | $1,894 | $947 | $158 |
| 2023 | $1,955 | $977 | $163 |
Speak with a friendly agent and get your quote in minutes!
Honda CR-V car insurance rates for different trims
When it comes to insuring a Honda CR-V, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims, such as the CR-V EX-L, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Honda CR-V.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| CR-V LX | $1,894 | $947 | $158 |
| CR-V EX | $1,942 | $971 | $162 |
| CR-V EX-L | $1,960 | $980 | $163 |
Honda CR-V insurance rates: State-by-state breakdown
Insurance costs for a Honda CR-V vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Honda CR-V in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $1,841 | $920 | $153 |
| Alabama | $1,832 | $916 | $153 |
| Arkansas | $2,045 | $1,022 | $170 |
| Arizona | $1,888 | $944 | $157 |
| California | $2,322 | $1,161 | $193 |
| Colorado | $2,455 | $1,227 | $205 |
| Connecticut | $2,015 | $1,007 | $168 |
| Washington, D.C. | $2,416 | $1,208 | $201 |
| Delaware | $2,022 | $1,011 | $169 |
| Florida | $2,566 | $1,283 | $214 |
| Georgia | $2,240 | $1,120 | $187 |
| Hawaii | $1,261 | $631 | $105 |
| Iowa | $1,573 | $787 | $131 |
| Idaho | $1,247 | $623 | $104 |
| Illinois | $1,846 | $923 | $154 |
| Indiana | $1,720 | $860 | $143 |
| Kansas | $2,036 | $1,018 | $170 |
| Kentucky | $2,445 | $1,222 | $204 |
| Louisiana | $3,276 | $1,638 | $273 |
| Massachusetts | $1,709 | $854 | $142 |
| Maryland | $1,799 | $899 | $150 |
| Maine | $1,334 | $667 | $111 |
| Michigan | $2,517 | $1,258 | $210 |
| Minnesota | $2,049 | $1,025 | $171 |
| Missouri | $2,122 | $1,061 | $177 |
| Mississippi | $2,133 | $1,067 | $178 |
| Montana | $2,093 | $1,047 | $174 |
| North Carolina | $1,544 | $772 | $129 |
| North Dakota | $1,666 | $833 | $139 |
| Nebraska | $1,991 | $995 | $166 |
| New Hampshire | $1,443 | $722 | $120 |
| New Jersey | $2,009 | $1,004 | $167 |
| New Mexico | $1,994 | $997 | $166 |
| Nevada | $1,990 | $995 | $166 |
| New York | $1,430 | $715 | $119 |
| Ohio | $1,455 | $727 | $121 |
| Oklahoma | $2,122 | $1,061 | $177 |
| Oregon | $1,893 | $946 | $158 |
| Pennsylvania | $2,096 | $1,048 | $175 |
| Rhode Island | $2,251 | $1,126 | $188 |
| South Carolina | $1,834 | $917 | $153 |
| South Dakota | $2,107 | $1,053 | $176 |
| Tennessee | $2,116 | $1,058 | $176 |
| Texas | $2,782 | $1,391 | $232 |
| Utah | $1,571 | $786 | $131 |
| Virginia | $1,450 | $725 | $121 |
| Vermont | $1,374 | $687 | $114 |
| Washington | $1,610 | $805 | $134 |
| Wisconsin | $1,480 | $740 | $123 |
| West Virginia | $1,771 | $886 | $148 |
| Wyoming | $1,816 | $908 | $151 |
How your age impacts Honda CR-V insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $7,038 | $3,519 | $586 |
| Adults | $1,932 | $966 | $161 |
The bottom line
Knowing how much it costs to insure a Honda CR-V is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
