Honda CR-V car insurance
The Honda CR-V is one of the least expensive compact SUVs to insure in the country. Liberty Choice compares 20+ carriers — including Progressive, our Authorized Platinum Agency partner — to make sure you're getting a competitive rate on your CR-V, whether you own it outright or are still paying off a loan.
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What does it cost to insure a Honda CR-V?
The CR-V ranks among the most affordable compact SUVs to insure nationwide. Here are the real average costs, based on a 40-year-old driver with a clean record:
| Coverage type | Average monthly | Average annual |
|---|---|---|
| Full coverage | $178 | $2,139 |
| Minimum liability only | $92 | $1,108 |
Full coverage means 100/300/100 liability plus comprehensive and collision with a $1,000 deductible. Your rate depends on your driving record, age, location, model year, and the coverage you choose.
Source: MoneyGeek, Honda CR-V insurance cost analysis, 2026. moneygeek.com/insurance/auto/honda-cr-v-insurance/
Drivers who finance or lease their CR-V will almost always be required by their lender to carry full coverage — that means state-minimum liability plus comprehensive and collision. If you own your CR-V free and clear, you can choose to carry only the liability coverage your state requires, which costs significantly less.
One thing worth noting: Nevada's state-required minimums (25/50/20) are among the most common floors we see, but they may not cover your costs in a serious at-fault accident. A Liberty Choice agent can walk you through options to increase your limits without dramatically raising your monthly payment — call us at 702-742-6322 or stop by 6655 W Sahara Ave #A100, Las Vegas, NV 89146.
How CR-V insurance costs compare to other compact SUVs
The CR-V holds its own against competing models. Here is how average full coverage monthly premiums stack up among popular compact SUVs, based on MoneyGeek's 2026 data:
| Make / Model | Average monthly (full coverage) |
|---|---|
| Honda CR-V | $178 |
| Mazda CX-5 | $161 |
| Toyota RAV4 | $178 |
| Kia Sorento | $162 |
| Chevrolet Equinox | $152 |
Figures are national averages for a 40-year-old driver with a clean record. Your actual rate depends on your personal profile and state of residence.
Source: MoneyGeek, compact SUV insurance cost comparison, 2026. moneygeek.com/insurance/auto/honda-cr-v-insurance/
Coverage options for your Honda CR-V
At Liberty Choice, we match CR-V drivers to the right level of protection from our network of 20+ carriers. The two main policy types are full coverage and state minimum liability, but there are optional add-ons that can fill important gaps.
Full coverage
Full coverage bundles liability, collision, and comprehensive into a single policy. Liability pays for injuries and property damage you cause to others in an at-fault accident. Collision covers repairs to your own CR-V after a crash, regardless of who was at fault. Comprehensive protects against non-collision events — theft, vandalism, hail, fire, and similar losses.
If your CR-V is totaled in a crash, your insurer pays its actual cash value minus your deductible. For newer models that still have loan balances, this payout may fall short of what you owe — which is where gap coverage becomes valuable. We recommend discussing your deductible level with an agent, since a higher deductible can meaningfully lower your monthly cost.
State minimum liability
Every state requires drivers to carry at least a minimum liability policy that covers bodily injury and property damage to others when you are at fault. In Nevada, those minimums are $25,000 per person / $50,000 per accident for bodily injury, and $20,000 for property damage.
Minimum liability is the most affordable option, but it only protects other people — not your vehicle or your own medical expenses. It also does not cover you if the at-fault driver has no insurance. For CR-V owners who carry a loan or lease, minimum-only coverage will not satisfy your lender's requirements.
Optional add-on coverages worth considering
Beyond your base policy, Liberty Choice can add optional coverages that address specific situations CR-V owners commonly face:
- Roadside assistance. Covers towing, battery jump-starts, flat tire service, and lockout help — especially useful for long Nevada desert drives where service stations can be far apart.
- Gap coverage. Pays the difference between what you owe on your CR-V loan or lease and the vehicle's actual cash value if it is totaled. Particularly valuable in the first few years of ownership when depreciation is steepest.
- Rental car reimbursement. Covers a rental vehicle while your CR-V is in the shop for a covered repair, so you are not stuck without transportation.
- Uninsured/underinsured motorist. Pays your medical bills and vehicle damage when the at-fault driver carries little or no insurance. In Nevada, where an estimated 1 in 5 drivers is uninsured, this coverage can be especially important.
How a DUI affects Honda CR-V insurance rates
A DUI conviction is one of the most significant rate-raising events an insurer can see on your record. Expect premiums to increase substantially — in some cases doubling or more — and the elevated rates typically persist for three to five years depending on your state's look-back window. In Nevada, DUI convictions can remain on your driving record for seven years.
Most states, including Nevada, require drivers convicted of a DUI to file an SR-22 certificate proving they carry at least the state minimum liability limits. The SR-22 is not insurance itself; it is a form your insurer files with the DMV on your behalf. Some insurers decline to write policies for SR-22 filers, which is why working with an independent agency like Liberty Choice — which has access to 20+ carriers including high-risk specialists — matters when you need coverage after a conviction.
Over time, keeping a clean record after a DUI is the most effective path to lower premiums. Comparing quotes every year is also important, since rates vary considerably between carriers for the same risk profile.
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Discounts that can lower your CR-V premium
Most insurers offer several discounts that CR-V drivers can stack to meaningfully reduce their monthly payment. Common ones include:
- Good driver discount. Drivers who have gone three to five years without an at-fault accident, claim, or moving violation typically earn the most significant per-driver discount available.
- Multi-policy (bundle) discount. Pairing your CR-V's auto policy with a renters or homeowners policy from the same carrier can reduce both premiums — sometimes by 10–25%.
- Autopay and paperless billing. Setting up automatic payment and opting into electronic documents is a small administrative step that most carriers reward with a small but easy rate reduction.
- Multi-vehicle discount. Insuring more than one vehicle on the same policy typically lowers the per-vehicle rate.
- Honda Sensing safety features. CR-V models equipped with Honda Sensing — which includes forward collision warning, automatic emergency braking, and lane keeping assist — may qualify for a safety technology discount.
About the Honda CR-V
The CR-V is Honda's best-selling compact SUV, now in its sixth generation. The current lineup runs on a 190-horsepower turbocharged four-cylinder engine paired with a continuously variable transmission (CVT), with front-wheel drive standard and all-wheel drive available. The CR-V is also offered in a hybrid configuration that pairs a 2.0-liter Atkinson-cycle engine with two electric motors for improved fuel economy.
Standard safety technology across the lineup includes Honda Sensing, which bundles adaptive cruise control, forward collision warning, automatic emergency braking, lane keeping assist, and road departure mitigation. These features contribute to the CR-V's strong safety ratings and help keep insurance costs below many competitors in the same segment.
CR-V trims and configurations
- EX. Base trim with a 7-inch touchscreen, Apple CarPlay and Android Auto, a 10-way power-adjustable driver seat, heated front seats, lane departure warning, blind spot monitoring, and Honda Sensing as standard.
- EX-L. Adds leather upholstery, a 9-inch touchscreen, an 8-speaker audio system, and a power moonroof. The EX-L also introduces wireless phone charging.
- Sport. Sport-oriented appearance package with 19-inch wheels, a sport-tuned suspension, and unique exterior styling elements.
- Touring. Top trim adds a hands-free power liftgate, a heated steering wheel, front parking sensors, and a larger 9-inch display. Main competitors include the Toyota RAV4, Mazda CX-5, Hyundai Tucson, Ford Escape, and Subaru Forester.
Get a Honda CR-V insurance quote in minutes
Whether you just picked up a new CR-V or you're looking to cut what you currently pay, comparing multiple carriers is the fastest way to find a better rate. Request a quote online, stop by our Las Vegas office at 6655 W Sahara Ave #A100, or call a licensed agent directly at 702-742-6322. Liberty Choice — Las Vegas's Progressive Authorized Platinum Agency — makes the process straightforward.
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