Cheap Honda CR-V Car Insurance in 2025 [Top 10 Companies Ranked]

The top providers for cheap Honda CR-V car insurance are Erie, Geico, and State Farm, with rates starting at just $29 per month.

Our Top 10 Company Picks: Cheap Honda CR-V Car Insurance

Erie is the cheapest overall for its competitive pricing, high customer satisfaction, and rate lock program. Geico offers low operational costs and strong digital tools, while State Farm rewards safe drivers through usage-based discounts.

To get affordable full coverage car insurance for a Honda CR-V, it’s essential to compare quotes from multiple providers and consider factors such as coverage options and available discounts.

To secure cheap car insurance rates for your Honda CR-V, enter your ZIP code into our free comparison tool today.

#1 – Erie: Top Overall Pick

Pros

• Cheapest Rates for CR-Vs: Erie offers full coverage for just $29/month, undercutting the national average by over 25%. See our Erie car insurance review for more insight.
• Stable Long-Term Pricing: The Rate Lock feature prevents rate increases unless you change your policy, helping reduce long-term costs for CR-V drivers.
• Strong Customer Satisfaction: Erie ranks high in claims handling and personalized support, which benefits Honda CR-V owners needing responsive service.

Cons

• Limited State Reach: Erie is only available in 12 states and D.C., which excludes many CR-V drivers across the U.S.
• Outdated Digital Experience: Erie’s app and online tools lack key features that modern Honda CR-V drivers might expect for managing policies.

#2 – Geico: Cheapest for Cost Savings

Pros

• Affordable Rates With Discounts: Geico offers full coverage for CR-V drivers from $30/month, with up to 22% off for safe driving and bundling. Learn more in our Geico review.
• Exclusive Service Perks: Military and federal employee discounts are available for eligible Honda CR-V owners.
• Top-Rated Mobile App: Geico’s digital tools provide round-the-clock policy access and claims filing for CR-V drivers who prefer managing everything online.

Cons

• Limited In-Person Help: Fewer local agents can make it harder for Honda CR-V owners to get one-on-one support.
• Fewer Coverage Options: Missing features like gap insurance and new car replacement may not meet the needs of leased CR-Vs.

#3 – State Farm: Cheapest for Safe Driver Focus

Pros

• Bundling Discounts Available: As mentioned in our State Farm review, you can save up to 17% by combining auto and home policies—ideal for Honda CR-V drivers looking to save more.
• Safe Driving Rewards: Drive Safe & Save telematics program offers up to 30% off for low-risk CR-V drivers who avoid harsh braking and speeding.
• Extensive Local Agent Network: Over 19,000 agents nationwide provide personalized service for CR-V drivers.

Cons

• Higher Rates For Some Drivers: New or high-risk Honda CR-V drivers may pay above-average premiums.
• Limited SR-22 Support: Not all states support SR-22 filings through State Farm, which may be a barrier for high-risk CR-V owners.

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#4 – Nationwide: Cheapest for Discount Stacking

Pros

• Big Telematics Savings Potential: SmartRide can save safe Honda CR-V drivers up to 40% based on braking and driving patterns.
• Customizable Coverage: As per our Nationwide auto insurance review, add-ons like vanishing deductibles, accident forgiveness, and gap insurance are available for CR-V owners.
• Annual Policy Review: “On Your Side” reviews help ensure CR-V drivers don’t miss out on potential savings or needed coverage changes.

Cons

• Mixed Claims Feedback: Some Honda CR-V policyholders report slower claim resolutions or inconsistent experiences.
• Uncertain Discount Outcomes: Telematics savings may be lower for city-based or long-commute CR-V drivers.

#5 – American Family: Cheapest for Customer Service

Pros

• Teen Driver Savings: The Teen Safe Driver app can save families with young CR-V drivers up to 10% by improving behind-the-wheel habits (Learn more: American Family Review)
• Helpful Digital Tools: The MyAmFam app provides policy access, roadside assistance, and ID cards tailored for Honda CR-V coverage.
• Loyalty Perks: Long-term CR-V policyholders may earn accident forgiveness and deductible rewards.

Cons

• Geographic Limits:  American Family operates in only 19 states, including Arizona, Colorado, Illinois, Nevada, and Wisconsin, which limits access for many CR-V owners.
• Rate Spikes By ZIP Code: Premiums can rise sharply for CR-V drivers living in urban or high-traffic regions.

#6 – Safeco: Cheapest for Customizable Plans

Pros

• Telematics Rewards Available: RightTrack monitors driving habits and gives premium discounts to safe Honda CR-V drivers (Read more: Safeco Auto Insurance Review).
• Flexible Policy Structure: Choose deductibles and liability limits tailored to your CR-V budget and protection needs.
• Roadside Coverage Included: 24/7 emergency services help protect CR-V drivers from unexpected breakdowns.

Cons

• Not Nationwide: Safeco doesn’t operate in all states, limiting access for Honda CR-V drivers in non-covered regions.
• Basic Tech Interface: App and website may frustrate tech-savvy CR-V drivers due to lack of real-time policy tools.

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#7 – AAA: Cheapest for Member Discounts

Pros

• Built-in Roadside Assistance: Honda CR-V insurance with AAA includes 24/7 roadside assistance and travel discounts as part of your membership.Learn more about AAA roadside assistance in our AAA insurance review.
• Dedicated Local Support: Regional AAA offices offer in-person service for CR-V drivers who prefer hands-on help.
• Student Savings: Good student discounts apply to young CR-V drivers who maintain a GPA of 3.0 or higher.

Cons

• Membership Required: Accessing coverage means paying an annual fee, adding extra cost to CR-V insurance.
• Limited App Functionality: Mobile tools for managing Honda CR-V policies lag behind more modern competitors.

#8 – Progressive: Cheapest for Telematics Savings

Pros

• Telematics-Based Discounts: Snapshot offers savings of over 20% to safe CR-V drivers based on real driving behavior. Our complete Progressive review goes into more detail about this.
• Coverage Flexibility: Adjustable liability and optional protections help tailor policies for different CR-V budgets.
• Digital Ease-Of-Use: Progressive’s mobile and desktop tools simplify quote comparison and claims for Honda CR-V policies.

Cons

• High Base Pricing: Full coverage for CR-V drivers may be more expensive than for competitors without discounts.
• Rate Increases Possible: Snapshot can raise rates for CR-V drivers who speed or brake aggressively.

#9 – Farmers: Cheapest for Signal App

Pros

• Signal Telematics App: Encourages safe driving and offers a discount for CR-V drivers who demonstrate good habits. Check out our online Farmer’s review for more information.
• Accident Forgiveness: Keeps rates steady after your first at-fault accident, helping prevent premium hikes.
• Agent-First Support Model: Dedicated local agents provide in-person assistance and support to CR-V owners.

Cons

• Above-Average Pricing: Rates may be higher than competitors for Honda CR-V drivers not enrolled in telematics or bundling programs.
• Mixed Claims Satisfaction: Customer reviews suggest inconsistent claims service, with some CR-V drivers experiencing delays.

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#10 – Allstate: Cheapest for Loyalty Rewards

Pros

• Safe Driver Rewards: Drivewise telematics app can cut costs by up to 30% for well-behaved CR-V drivers. Read more about this provider in our Allstate auto insurance review.
• Discount Stacking Options: Bundling, early signing, and anti-theft devices all generate additional savings for Honda CR-V coverage.
• User-Friendly Tech: Allstate’s app helps CR-V drivers manage everything from claims to ID cards on the go.

Cons

• Premiums Without Discounts Are High: Full coverage may cost significantly more for Honda CR-V drivers who don’t qualify for discounts.
• Inconsistent Claims Experience: Some CR-V owners report slower claims processing and variable customer service depending on location.

Honda CR-V Car Insurance Cost

The average annual insurance cost for a Honda CR-V with full coverage is $1,140, or $95 per month, which is nearly $400 less annually than the average for similar vehicles. Thanks to the CR-V’s strong safety ratings and low-risk profile, drivers often qualify for significantly cheaper rates.

Monthly premiums for a Honda CR-V can start as low as $56 with discounts or $29 for minimum coverage through top-rated providers like Erie.

Car Insurance Monthly Rates for a Honda CR-V by Coverage Type

Drivers who choose high deductibles pay around $82/month, while high-risk drivers and teens see higher rates at $202 and $347, respectively.

The table below shows how much Honda CR-V drivers can expect to pay each month for minimum and full coverage from the top providers

Honda CR-V Car Insurance Monthly Rates by Coverage Level

The cheapest car insurance companies is Erie for Honda CR-V drivers at just $76 per month, followed closely by Geico and State Farm. These savings reflect the CR-V’s reputation for reliability, affordable repairs, and excellent crash-test performance—all of which help lower insurance costs.

Honda CR-V Insurance Rates by Age

Age is one of the biggest factors affecting Honda CR-V insurance costs. Younger drivers pay significantly more due to inexperience, while older, more experienced drivers often receive lower rates.

Honda CR-V Insurance Full Coverage Monthly Rates by Driver Age

Honda CR-V insurance rates drop with age. Teens pay the most due to inexperience, while older, married adults often get lower rates for safer driving.

Read more: How to Find a Safe, Budget-Friendly Car for Your Teen

Best Coverage Options for Honda CR-V Drivers

Finding the right balance between cost and protection is key when insuring your Honda CR-V. While minimum coverage meets legal requirements, adding extra protection can safeguard your vehicle and finances from unexpected costs.

• Liability Insurance: Covers damage or injuries you cause to others in an at-fault accident.
• Collision Coverage: Pays for damage to your CR-V after a collision, regardless of who’s at fault.
• Comprehensive Coverage: Protects against theft, vandalism, weather damage, and other non-collision events.
• Uninsured/Underinsured Motorist Coverage: Covers your expenses if you’re hit by a driver with little or no insurance.
• Medical Payments or Personal Injury Protection (PIP): Helps cover medical expenses for you and your passengers after an accident.

While full coverage costs more upfront, it provides peace of mind and better financial protection. Compare the different types of car insurance coverage to find the best combination of policy and price for your CR-V.

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Top Insurance Discounts for Honda CR-V Drivers

Age, location, and driving history influence your premium, but discounts play a major role in lowering your car insurance cost of Honda CR-V. The top providers offering the most generous discounts across multiple categories include State Farm, Nationwide, Allstate, American Family, and Geico. State Farm leads with a 35% good student discount and strong savings for safe drivers and low mileage.

Car Insurance Discounts From the Top Providers for Honda CR-V

Nationwide offers up to 40% off for both good drivers and low-mileage usage, making it especially appealing for CR-V owners with short commutes. Allstate and American Family also offer up to 25% off for bundling and safe driving habits, while Geico matches those savings and adds strong telematics-based discounts for mileage tracking.

Common Honda CR-V insurance discounts include savings for low annual mileage, clean driving records, bundling policies, and insuring multiple vehicles.

Teen drivers may qualify for a good student discount, while those who complete defensive driving courses can reduce rates further. Additional savings may apply for CR-Vs equipped with anti-theft devices like alarms or GPS tracking.

To get the best value, compare multiple quotes and check directly with companies like Erie and State Farm, which frequently update their discount programs and offer tools to help CR-V drivers maximize their savings.

Factors That Affect the Cost of Honda CR-V Insurance

Many factors affect insurance rates, most of which are tied to the driver rather than the vehicle. Insurers typically evaluate the following:

• Age and Gender: Teens, especially males, pay the highest rates, while insurance costs typically decrease with age, and men over 45 often pay less than women.
• Marital Status: Married drivers typically pay lower rates.
• Violations: Accidents and traffic violations can raise rates for three to five years.
• Location: Densely populated or high-traffic areas tend to have higher insurance rates.
• Credit History: Drivers with good credit often receive lower premiums.

State insurance requirements also impact your rate. Each state mandates minimum coverage types and liability limits, and opting for more coverage typically leads to higher premiums.

All states require minimum bodily injury and property damage liability coverage. No-fault states also require personal injury protection and coverage for motorists who are uninsured or underinsured.

Vehicle factors also impact insurance rates, and the Honda CR-V performs well in this area. Older CR-V models typically cost less to insure, and all model years benefit from strong safety ratings, which help reduce premiums.

The CR-V earns high marks in critical crash-test categories, including seat and head restraint effectiveness, moderate and small overlap front protection on both driver and passenger sides, side impact resistance, and roof strength.

Insurance costs are also influenced by how much you drive—higher annual mileage increases the risk of accidents, which can lead to higher premiums. Use our free online tools to compare Honda CR-V insurance rates and find your profile’s cheapest coverage and discounts.

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