Every figure in this article is traced to the primary sources listed under Sources.

Full-coverage insurance for a 2026 Honda CR-V costs an estimated $1,168 to $2,401 per year, or roughly $97 to $200 per month, depending on the source and driver profile. ForCar places the national average at $1,168; Insure.com lists $2,401. The spread reflects different methods, profiles and coverage.

Key Findings

  • Two full-coverage estimates: $1,168 per year from ForCar (based on 2022–2024 HLDI loss data) and $2,401 per year from Insure.com (2024 data for the 2026 model year). The gap reflects different methods, not contradictory data.
  • Theft context: The CR-V ranks ninth by total theft volume in the NICB 2025 ranking (9,809 reported thefts), but total volume reflects how many CR-Vs are on U.S. roads as much as how often they are targeted.
  • Recall note: Honda recalled 744,530 CR-V Hybrid units (model years 2023 to 2026) in 2026 for a tire repair kit nozzle defect. A recall does not automatically change insurance rates.

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How Much Does Honda CR-V Insurance Cost in 2026?

Full-coverage insurance for a 2026 Honda CR-V is estimated at $1,168 to $2,401 per year, or about $97 to $200 per month, depending on the source. ForCar places the national average at $1,168 per year for full coverage, based on insurance-loss data from 2022 to 2024. Insure.com lists a higher average of $2,401 per year (2024 data for the 2026 model year). Liberty Choice Insurance cites $2,139 per year, or $178 per month, based on MoneyGeek’s 2026 analysis, for full coverage with 100/300/100 liability limits and a $1,000 deductible.

Those figures are estimates from comparison and rate-data publishers, not personalized quotes. The annual figure from ForCar, when divided by 12, gives a monthly equivalent of $97. That is arithmetic, not a statement about how any insurer bills.

$1,168ForCar full-coverage estimate per year
$2,401Insure.com full-coverage estimate per year
73HLDI collision loss index (100 is average)

Why Does CR-V Insurance Cost Less Than Many SUVs?

The gap between a $1,168 estimate and a $2,401 estimate is not a contradiction. It reflects different data sources, model years, driver profiles and coverage assumptions. ForCar’s figure is based on insurance-loss data, which measures how often and how expensively CR-Vs generate claims. Insure.com’s figure comes from quote data for a specific driver profile and coverage package. State law and local claim costs also matter. ForCar’s data shows a typical Honda runs about $1,878 per year in Florida but only $872 per year in Maine.

Higher-than-average cost driver
Personal injury protection claims Index 108
HLDI loss data compiled by ForCar, 2022–2024
PIP claims run slightly above average. In no-fault states such as Florida, Michigan and New York, that can raise premiums more than the vehicle’s collision record would suggest.
Lower-than-average cost driver
Collision loss index Index 73
HLDI loss data compiled by ForCar, 2022–2024
Collision claims are well below average. The CR-V is less likely to generate expensive collision repairs than many rivals, which helps keep premiums down.

States where CR-V insurance runs higher

  • Florida: about $1,878 per year for a typical Honda (ForCar, 2026)
  • No-fault states: PIP claims at index 108 can push premiums above the national average

States where CR-V insurance runs lower

  • Maine: about $872 per year for a typical Honda (ForCar, 2026)
  • Low-cost states: fewer PIP claims and lower repair costs reduce the premium

Compare CR-V insurance quotes

Get quotes for the same coverage limits and deductibles from several insurers before you decide.

GET YOUR CAR INSURANCE QUOTES

What Should CR-V Owners Do Now?

Get quotes for the exact trim and model year you are considering, not just for “a CR-V.” Ask each insurer what coverage limits and deductibles the quote assumes. Compare the same coverage package across at least three insurers.

Match the quote to the exact trim
Hybrid vs. gasoline can differ
A 2026 CR-V Hybrid may carry a different premium from a gasoline version. Ask the insurer which configuration the quote assumes.
Mention the recall when quoting a Hybrid
Neutral for rates, useful for the record
The 2026 recall covers 744,530 CR-V Hybrid units (2023–2026). A recall does not automatically change rates, but your insurer may want the recall status on file.
Check your state insurance department
Complaint data and rate filings
State regulators publish complaint data and rate filings. That is the official place to check rules and ask about complaints.
If your premium rose, ask why
The cause may not be the vehicle
A statewide rate increase, a change in your credit-based insurance score or a new surcharge can explain a higher premium better than the CR-V itself.

Frequently Asked Questions About Honda CR-V Insurance

Is a Honda CR-V expensive to insure?

No. The CR-V’s collision loss index is 73 on an HLDI scale where 100 is average, which helps keep premiums lower than many rivals. Full-coverage estimates range from $1,168 to $2,401 a year depending on the source and driver profile.

Does the CR-V Hybrid recall affect insurance?

No. A recall does not automatically raise or lower insurance costs. Honda recalled 744,530 CR-V Hybrid units from model years 2023 to 2026 in 2026 for a tire repair kit nozzle defect, but that does not change the vehicle’s insurance rating.

What the Data Does Not Tell You

An estimate is not a quote. The figures in this article come from comparison and rate-data publishers, not from your insurer. Your actual premium will depend on your ZIP code, driving record, credit history, coverage choices and deductibles. A national average is not a state average, and a state average is not your rate.

The CR-V’s relatively low loss index does not guarantee a low premium in every state. A theft ranking by volume does not mean the CR-V has a high theft rate; total volume reflects how many CR-Vs are on the road. The recall does not automatically raise or lower insurance costs. This article is general information, not legal or financial advice. For questions about complaints or official rules in your state, contact your state insurance department.

How We Verified This

Insurance estimates were taken from ForCar (2026), Insure.com (2024 data for the 2026 model year) and Liberty Choice Insurance (citing MoneyGeek, 2026). Recall details come from NHTSA’s recall report for campaign 26V366 and Honda’s recall notice. Theft data comes from the National Insurance Crime Bureau’s 2025 ranking, which reported 9,809 CR-V thefts and a ninth-place rank by total volume; the NICB does not publish a vehicle-specific theft frequency for the U.S. The safety rating is from NHTSA, and the loss index data is from HLDI as compiled by ForCar. We could not independently verify a single “average” premium because different sources use different assumptions; the figures should be read as ranges, not as a single number that applies to every driver.

Disclaimer: This article is for informational purposes only and is not professional insurance, legal or financial advice. Rates, rules and deadlines vary by insurer, state and driver, and can change. Confirm details with a licensed agent, your insurer or your state department of insurance before making a coverage decision.

Sources

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