How much is insurance on a Honda CR-V?

Priced for the 2024 CR-V AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Honda CR-V's rank is the same in every state.

Why the Honda CR-V costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Honda CR-V 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 72 for crash repairs, 75 for non-crash damage, 76 for damage to others' property, and 84 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average28% better than average4th best of the 26 small SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average25% better than average13th best of the 26 small SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average24% better than average3rd best of the 26 small SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 16% less often than average6th best of the 24 small SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Honda CR-V comes out about 27% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 11% less than average: about $850 a year vs $950. On the liability side, damage to others and injury claims combine to about 19% better than average. We count about half, so that part is about 10% less: $890 a year vs $990.

How the math works

In EPA size classes, the CR-V is a small SUV (gas-powered). In Highway Loss Data Institute loss tables, the Honda CR-V is benchmarked against small SUVs.

• That name is sold in more than one version. We priced the gas one.

Matched to HLDI series “Honda CR-V 4dr 4WD” (HLDI, 2022–24 models).

A used Honda CR-V, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 CR-V AWD (0–3 years old)	about $1,740	about $890	+$1,150	about $4,990
2022 CR-V AWD (4–7 years old)	about $1,640	about $890	+$1,080	about $4,700
2018 CR-V AWD (8–12 years old)	about $1,460	about $830	+$960	about $4,180
2013 CR-V 2WD (13 or more years old)	about $1,380	about $880	+$910	about $3,970

Our catalog covers the Honda CR-V across model years 2006–2027. Full coverage on a used 2013 CR-V (13 or more years old) runs about $1,380 a year, $350 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $880 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Honda CR-V trims, full coverage goes from about $1,660 a year on the CR-V FWD to about $1,740 on the CR-V AWD, because HLDI's loss results differ by body, drive, or powertrain.

• CR-V FWD: about $1,660
• CR-V AWD: about $1,740

On a policy of their own with a 2024 Honda CR-V, a 22–25-year-old pays about $2,260 a year ($520 more than a 45-year-old), a 26–39-year-old about $1,930, and a driver 65 and older about $1,830.

Adding a 16-year-old with a Honda CR-V

Because the Honda CR-V starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,150 a year ($95 a month), $130 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,990 a year, about $3,840 more than sharing the family policy.

For adding a teen driver, the Honda CR-V ranks 13th cheapest out of all 121 models we track. Stepping down to a used 2013 CR-V (13 or more years old) brings the teen add-on to about $910 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small SUVs

Among these 26 small SUVs, the Honda CR-V is the 3rd least expensive to insure. Right next to it are the Mazda CX-50 (about $1,690 a year) and the Toyota RAV4 (about $1,760).

• 2024 Subaru Foresterabout $1,620 ($120 less)
• 2024 Mazda CX-50about $1,690 (about the same)
• 2024 Honda CR-Vabout $1,740 (this car)
• 2024 Toyota RAV4about $1,760 (about the same)
• 2024 Toyota bZ4Xabout $1,790 (about the same)
• 2024 Mazda CX-5about $1,790 (about the same)
• 2024 Toyota RAV4 Primeabout $1,790 ($50 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Honda CR-V costs in your state

In six sample states, a 2024 Honda CR-V runs from about $1,210 a year in Hawaii through North Carolina, West Virginia, Arkansas and Nevada to about $2,090 in Texas:

• Hawaiiabout $1,210/yr · +$800 teen
• North Carolinaabout $1,330/yr · +$880 teen
• West Virginiaabout $1,480/yr · +$980 teen
• Arkansasabout $1,570/yr · +$1,030 teen
• Nevadaabout $1,930/yr · +$1,280 teen
• Texasabout $2,090/yr · +$1,380 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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