Typical annual cost ranges from about $1,200 to $1,800 for full coverage, roughly $100–$150 per month, with quotes varying by location and driver profile.
In practice, insurers price premiums based on factors like age, driving history, credit-based scoring where allowed, deductible and limits, and the coverage you choose. The 2019 CR-V's safety features and repair costs help keep premiums reasonable, but rates can vary widely by state, insurer, and individual risk factors.
Typical cost ranges for a 2019 Honda CR-V
Here are general ranges you may see for common coverage levels and typical driver profiles. These are approximate figures and can differ by state and insurer.
- Full coverage (liability + collision + comprehensive + UM/UIM): about $1,200–$1,800 per year for a standard, good-driver profile; some states or higher deductibles may bring it lower, others higher.
- Liability-only coverage (state minimums or higher liability limits): roughly $400–$1,000 per year depending on location and driving record.
- New teen or young driver (under 25): frequently $2,000–$4,000+ per year due to higher risk.
- Senior or higher-risk driver: rates can run higher, often $1,600–$2,800+ depending on circumstances.
- Discount opportunities: bundling with home or other vehicles, safety features, good student, defensive driving courses, and paying annually can reduce premiums by a meaningful margin (often in the single digits to 20%+, depending on the insurer).
Note: These ranges are approximate and assume standard coverage levels in typical U.S. states. Your exact price will depend on where you live, your age, driving history, credit profile where permitted, deductible amount, and coverage choices.
What affects your rate
Several factors influence insurance costs for the 2019 Honda CR-V. They include the vehicle's safety features and repair costs, your credentials, and where you live.
Vehicle factors
The CR-V's strong safety ratings and moderate repair costs tend to keep premiums reasonable. Trim level and added safety tech (such as advanced driver-assistance systems) can affect rates, though the baseline model remains affordable to insure.
Driver factors
Age, driving history (accidents and tickets), credit-based scoring where permitted, and gender can influence quotes. Young or high-risk drivers generally pay more, while a clean record helps.
Location and coverage choices
State minimums vary, as do traffic conditions and repair costs. Your deductible and coverage limits strongly influence premium—the higher the deductible, the lower the premium, but you’ll pay more out-of-pocket after a claim.
How to estimate costs and save on insurance
Getting accurate quotes and optimizing your policy can lower costs significantly.
To estimate costs and find savings, follow these steps:
- Gather your personal information and current vehicle details (VIN, mileage, installed safety features).
- Shop multiple insurance providers to compare quotes for the same coverage levels.
- Choose a deductible that fits your budget for collision and comprehensive coverages.
- Look for eligible discounts: bundling with other policies, safe-driver and good-student discounts, safety-feature credits, and anti-theft devices.
- Review and update your policy annually or after major life changes (move, new job, new car).
Following these steps helps you tailor coverage to your needs while keeping premiums aligned with your budget.
Summary
Insurance costs for a 2019 Honda CR-V are typically manageable with careful shopping and tailored coverage. Most drivers see full-coverage premiums in the $1,200–$1,800 per year range, with substantial variation by state and personal factors. By comparing quotes, choosing appropriate deductibles, and leveraging eligible discounts, you can keep annual costs in check and avoid overpaying.