Is Honda CR-V expensive to insure?

The Honda CR-V is typically affordable to insure compared with many SUVs; premiums usually land in the mid-range for the segment. Your actual rate, however, depends on things like your age and location, driving history, chosen coverages and deductibles, and the CR-V’s model year and trim.

Factors that influence the cost of insuring a Honda CR-V

Understanding these factors helps you gauge where your premium might land.

• Safety features and crash ratings (Honda Sensing, IIHS/NHTSA ratings often push premiums lower due to reduced risk).


• Repair costs and parts availability (Honda parts are widely available, keeping repair costs predictable).


• Vehicle age and depreciation (newer CR-Vs may cost more to insure due to higher replacement value).


• Theft risk and anti-theft devices (anti-theft features can reduce premiums in some markets).


• Driver profile (age, driving history, location, annual miles, and credit-based scoring where allowed).


• Coverage levels and deductibles (higher liability limits and lower deductibles raise premiums).

These factors explain why premiums vary and why CR-V often lands in the mid-range among SUVs.

CR-V insurance vs. other vehicles

Here's how the CR-V generally compares to other vehicles in terms of insurance cost.

• Typically mid-range among SUVs, cheaper than luxury or high-performance models.


• Often cheaper to insure than larger, heavier SUVs or pickup trucks with higher repair costs.


• Usually more expensive to insure than small conventional cars, though strong safety ratings can narrow the gap.


• Safety features and reliable repair history of the CR-V help keep premiums steady across model years.


• Model year and trim level can shift costs; newer, better-equipped trims may cost more to insure.

In general, the Honda CR-V offers a balance of value and affordability in auto insurance, with costs highly dependent on driver and location.

Tips to save on Honda CR-V insurance

Consumers can often reduce costs without dropping essential coverage by applying these strategies.

1. Shop around and compare quotes from multiple insurers; use independent agents or online comparison tools to find the best rate.


2. Bundle auto with other policies (home, renters) to access multi-policy discounts.


3. Choose higher deductibles on collision and comprehensive coverage to lower your annual premium.


4. Maintain a clean driving record and good credit where permitted by law (these can influence rates).


5. Invest in car safety features and anti-theft devices; ensure they are reported to your insurer.


6. Ask about discounts for low annual mileage or participating in telematics/usage-based insurance programs.

Doing your homework and taking advantage of eligible discounts can lead to meaningful savings over the life of ownership.

Summary

Overall, the Honda CR-V is generally not expensive to insure compared with many SUVs. While premiums vary by driver, location, and coverage choices, the model’s strong safety record, reliable repair history, and wide parts availability help keep costs reasonable. Shop around, compare discounts, and tailor your coverage to your needs to keep premiums in a sensible range.

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.

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 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.