Is a Honda CR-V expensive to insure?

For most drivers, a Honda CR-V is not especially expensive to insure; premiums are typically mid-range for mainstream SUVs, and strong safety ratings help keep costs down. Your actual rate depends on where you live and your personal profile.

The cost to insure a CR-V is driven by several factors, including location, driver history, coverage choices, and the vehicle’s features. While the CR-V is known for reliability and solid safety ratings, pricing can vary widely by state and insurer, and newer or higher-trim models may cost more to insure than older, simpler versions.

What determines CR-V insurance costs

Before listing the main factors, here is a look at what influences the price you pay for auto coverage on a CR-V:

• Driver age and driving history


• Location and local accident and theft rates


• Coverage levels (liability, collision, comprehensive, uninsured motorist) and deductibles


• Vehicle value, repair costs, and safety features


• Trim level and drivetrain (AWD vs FWD) and engine size


• Credit-based insurance scoring where allowed by state law


• Annual mileage and usage (commuting, family errands, rideshare, etc.)

In short, premiums rise with risk and the cost to repair or replace the car, and fall with safety, reliability, and lower risk factors.

Ways to potentially reduce CR-V insurance costs

To help drivers manage costs, insurers commonly reward prudent choices and safety improvements. Consider these strategies when shopping for coverage:

• Shop around and compare quotes from multiple insurers


• Choose appropriate coverage and consider raising deductibles modestly


• Maintain a clean driving record and good credit where permitted by state law


• Bundle auto with home or renters insurance to secure multi-policy discounts


• Install approved safety and anti-theft devices; enroll in telematics or usage-based programs


• Opt for a trim and drivetrain with lower replacement costs when possible


• Ask about discounts for students, seniors, military service, or organization affiliations

Even modest changes can add up over a year, and discounts vary by insurer and state rules.

Model year, trim and powertrain impact

Newer CR-V models, higher trims (such as EX-L or Touring), and all-wheel-drive configurations can push replacement costs and repair expenses higher, which may increase premiums. In contrast, older model years with lower market value can be cheaper to insure, all else equal.

Hybrid and AWD considerations

Hybrid CR-Vs may have premiums that are similar to or slightly higher than their gas-only counterparts, depending on part costs and repair networks, though some insurers offer hybrid-specific discounts. AWD typically adds a small premium due to increased repair costs and theft risk factors. Always request quotes for the exact configuration you intend to insure, since the impact of these features can vary by insurer.

Summary

For most buyers, insuring a Honda CR-V is not inherently expensive relative to mainstream SUVs. Its combination of strong safety ratings, reliability, and reasonable replacement costs helps keep premiums competitive. However, rates vary by location, driver profile, and the exact vehicle configuration, so shopping around and leveraging eligible discounts remains the best path to finding affordable coverage.

What SUVs are the most expensive to insure?

The most expensive SUVs to insure are typically the Tesla Model X and the 2025 Toyota Sequoia, though rates vary based on individual factors. The Tesla Model X is expensive due to high repair costs for its electric components, while the Toyota Sequoia is costly because of its powerful hybrid engine and luxury features. Other high-cost SUVs include the Ford Expedition Max and the BMW X6.
 
Factors contributing to high insurance costs

• Repair costs: Luxury vehicles and electric vehicles (EVs) often have high repair costs due to specialized parts and technology, making them more expensive to insure. 
• Model price: The vehicle's initial price and overall value influence insurance premiums. More expensive vehicles generally cost more to replace after a total loss. 
• High-powered engines: Some high-performance or hybrid models, like the Toyota Sequoia, are more expensive to insure because of the powerful engines. 
• Model year and trim: Insurance rates can vary significantly between different model years and trim levels, with newer and more expensive trims costing more. 

Specific expensive-to-insure SUVs

• Tesla Model X: Has one of the highest average annual premiums, with costs partly attributed to the high price of parts and repair complexity. 
• 2025 Toyota Sequoia: Listed as the most expensive SUV to insure by some sources, with costs influenced by its hybrid engine and luxury features. 
• Ford Expedition Max: Another high-cost option, particularly due to its size and luxury features, which adds to repair costs. 
• BMW X6: The average annual premium for this model is high, with one report noting that it can be about 5.31% of the MSRP. 

Why rates vary for individuals

• Location: Where you live plays a major role in your insurance rates. 
• Driving history: A clean driving record will result in lower rates. 
• Credit rating: Your credit score can also impact the price you pay. 
• Homeownership: Being a homeowner can sometimes lead to lower insurance premiums. 
• Age: The age of the driver is a significant factor in setting premiums. 

Are Hondas more expensive to insure than Toyotas?

Insurance Costs
Here, Honda slightly undercuts Toyota, offering slightly lower premiums due to factors like fewer claims and perceived repair costs. The Honda Civic, for example, tends to be just a little more expensive to insure compared to the Toyota Corolla.

Are Honda CRVs expensive to insure?

No, Honda CR-Vs are not considered expensive to insure, with average annual full coverage premiums being lower than the national average for all vehicles. Factors like your driving record, age, location, and the specific model year of the CR-V will affect your final rate, but the CR-V generally has lower insurance costs than many other vehicles. 

• Average cost: Full coverage for a Honda CR-V averages around $2,270$ 2 comma 270$2,270 per year, which is less than the nationwide average. Minimum coverage is even cheaper, at about $779$ 779$779 per year on average. 
• Factors that impact your rate:
  • Driver profile: Your age, driving history, and where you live significantly impact your rate. 
  • Vehicle details: The age, trim level, and specific model year of the CR-V all influence the cost. 
  • Insurance specifics: The type of coverage you choose (e.g., minimum vs. full coverage), and the company you select will affect the price. 
• Why they are not expensive to insure: The CR-V's relatively affordable insurance rates are influenced by its good safety ratings, the availability and cost of parts, and lower-than-average repair costs compared to other vehicles. 

What are the negatives about Honda CR-V?

Negative aspects of the Honda CR-V include potential mechanical issues like sticky steering, fuel pump problems, and engine/transmission complaints in certain model years. Additionally, some models lack features found in competitors, such as a spare tire on hybrid versions, a 360-degree camera, and heated rear seats, and may face higher insurance costs due to high theft rates in some regions. 
Potential mechanical and performance issues

• Steering problems: Some owners report "sticky steering," which can cause over-correction while driving. 
• Engine and fuel pump issues: Certain model years have been associated with engine problems, such as excessive oil consumption or fuel pump failures. The 1.5L turbocharged engine in newer models may have long-term durability questions compared to larger, naturally aspirated engines. 
• Transmission shudder: Some previous model years have experienced a CVT shudder or hesitation. 
• Forward collision avoidance system issues: The system has been reported to have problems. 

Missing features and technology 

• Lack of desired features: Even higher trims may lack features like a 360-degree camera, ventilated front seats, heated rear seats, or a panoramic sunroof, which are available on some rivals. 
• No spare tire on hybrid: The hybrid models do not come with a spare tire. 
• Underpowered engine: The base 1.5L turbocharged engine can feel underpowered, especially in older models. 

Other considerations

• Higher price: The CR-V, particularly the hybrid version, can be expensive, sometimes exceeding the price of rivals. 
• High theft risk: The CR-V is a popular target for car thieves in many areas, which can result in higher insurance premiums. 
• Basic cabin: Some reviewers describe the cabin as basic compared to competitors.