By Vehicle · Honda

Honda CR-V insurance cost UK 2026

Q: What insurance group is a Honda CR-V?

The Honda CR-V spans insurance groups 19 to 37 out of 50 across all generations, according to Finder. The current 2023-on hybrid-only car sits in groups 31-34 (Parkers), the 2018-2023 generation in groups 22-25, and older cars from group 19. Groups are set by Thatcham Research based on repair cost, performance, security and value.

Q: Which Honda CR-V is cheapest to insure?

Among recent cars, the 2018-2023 Hybrid SE 2WD in group 22-23 is the cheapest CR-V to insure. Earlier generations drop as low as group 19 - Finder records premiums from around £547 a year for a low-risk 50-year-old on the oldest models. On the current car, the eHEV Elegance and Advance (group 31) are the cheapest versions.

Q: Is the Honda CR-V eHEV hybrid expensive to insure?

Moderately. The 2.0 eHEV self-charging hybrid sits in group 31 in Elegance and Advance trim, which prices above the UK average - typically £550-£850 a year for a 35-64 driver - but it avoids EV-specific complications such as battery-lease clauses. Its 181bhp output is modest for the class, so there is no performance loading.

Q: Does the CR-V ePHEV plug-in hybrid cost more to insure?

Slightly. The ePHEV Advance Tech sits in group 33, two groups above the standard eHEV Elegance and Advance (31), because of its larger battery, around 50 miles of claimed electric-only range and a list price near £54,000. It still undercuts the group 34 Elegance Sensing, so the plug-in premium difference is usually modest.

Q: Is a Honda CR-V realistic for a young or new driver?

Rarely. A 17-24 year old faces roughly £1,700-£2,900+ a year on a recent CR-V, in line with NimbleFins' 2026 young-driver averages, and the current group 31-34 car sits at the top of that. A previous-generation CR-V, or a smaller low-group crossover, plus a telematics black box policy is a far more sensible route to SUV ownership at that age.

Q: How does Honda CR-V insurance compare with the UK average?

It sits above it. Finder's blended CR-V average is about £930 a year, versus a UK average quoted price of £719 (Confused.com Price Index, Q2 2026) and an average paid premium of £560 (ABI Motor Insurance Premium Tracker, Q1 2026). Quoted and paid averages are different measures, but on either basis a CR-V costs more than the typical UK car - as you would expect of a £46,000-plus family SUV.

Q: Do towing or modifications affect Honda CR-V insurance?

Yes - both must be declared. A towbar is a modification in insurers' eyes; a factory or professionally fitted one usually adds little or nothing to the premium, but an undeclared towbar can void a claim. Performance, suspension or cosmetic modifications typically raise premiums on any CR-V. Keeping the car standard and declaring everything is the cheapest safe route.

The Honda CR-V costs around £700–£1,000 a year to insure comprehensively in 2026, sitting in insurance groups 22–34 depending on generation and trim. Finder’s UK data puts the blended CR-V average at about £930 a year — the hybrid-only 2023-on generation (groups 31–34) is noticeably dearer to cover than the 2018–2023 car (groups 22–25).

See premiums by driver age All vehicles

22–34

Group range, 2018-on models (all gens 19–37)

~£930/yr

Average CR-V comprehensive premium (Finder)

Group 22

Cheapest recent version (2018–23 Hybrid SE 2WD)

Direct answer

What does it cost to insure a Honda CR-V?

A typical UK driver pays roughly £700 to £1,000 a year for comprehensive cover on a Honda CR-V in 2026, and Finder’s UK dataset puts the blended CR-V average at £930 a year (about £82 a month). That is above the wider market: the ABI’s Motor Insurance Premium Tracker recorded an average paid comprehensive premium of £560 in Q1 2026, while the Confused.com Price Index put the average quoted price at £719 in Q2 2026 — two different measures, which is why they differ. A £46,000-plus family SUV simply carries more insurable value than the average UK car.

Where your CR-V lands inside that range comes down to four structural factors:

Insurance group by generation. The 2023-on CR-V is hybrid-only and sits in groups 31–34: Parkers lists the 2.0 eHEV Elegance and Advance in group 31, the ePHEV plug-in Advance Tech in group 33 and the Elegance with the extended Sensing pack in group 34. The 2018–2023 generation spans groups 22–25, and earlier cars go as low as group 19.
Value and repair cost. The current car lists from roughly £46,000 to £54,000, and its hybrid drivetrain, radar- and camera-based Honda SENSING driver-assist suite and sensor-laden bumpers and windscreen make even minor accident repairs more expensive — ADAS recalibration is a key input to Thatcham Research group ratings.
Security and theft profile. The CR-V ships with an immobiliser and alarm as standard and does not feature among the UK’s most-stolen models, which helps keep it out of the 40-plus groups that some premium SUVs occupy.
Modest performance. The 2.0 eHEV produces around 181bhp and prioritises efficiency over pace, so the CR-V avoids the performance loading applied to faster SUVs.

In short: the CR-V is a mid-to-upper-group family SUV — dearer than a typical hatchback to insure, but predictable, and much cheaper if you pick the previous generation.

The numbers

Honda CR-V premiums by driver age

Age is the single biggest driver of what you pay. The figures below are indicative annual comprehensive premiums for a recent Honda CR-V, anchored to Finder’s UK CR-V data and NimbleFins’ 2026 age-band averages. Your own quote will vary with postcode, mileage, job, no-claims history and excess.

Honda CR-V: typical annual premium by driver age — UK 2026

A 17–24 driver pays over three times what a 35–64 driver does on the same CR-V.

Source: Finder UK Honda CR-V insurance data (2026), NimbleFins average car insurance cost by age (2026), ABI Motor Insurance Premium Tracker (Q1 2026), Confused.com Price Index (Q2 2026).

Driver age band	Indicative annual premium	Notes
17–24 (new / young driver)	£1,700–£2,900+	Highest band — a group 31+ SUV is a costly first car; the previous generation is far more realistic
25–34	£800–£1,200	Falls sharply once no-claims discount builds
35–64	£550–£850	Lowest-risk band — a 2018–2023 Hybrid SE can dip under £550
65+	£650–£950	Ticks up slightly with age but stays reasonable

Indicative ranges for a recent Honda CR-V. Sources: Finder UK Honda CR-V insurance data (2026), NimbleFins average car insurance cost by age (2026), ABI Motor Insurance Premium Tracker (Q1 2026), Confused.com Price Index (Q2 2026). Figures are illustrative, not quotes — the 2023-on car sits towards the top of each band, older generations towards the bottom.

Versions

Honda CR-V insurance groups by version

Version	Years	Insurance group
2.0 eHEV Elegance / Advance (hybrid)	2023-on	31
2.0 ePHEV Advance Tech (plug-in hybrid)	2023-on	33
2.0 eHEV Elegance Sensing	2023-on	34
Hybrid SE 2WD	2018–2023	22–23
Hybrid SR / EX	2018–2023	23–24
1.5 VTEC Turbo petrol (S / SE / SR / EX)	2018–2023	24–25
Earlier generations	1997–2018	from 19

Source: Parkers insurance group listings for the Honda CR-V (Thatcham Research group ratings); Finder UK records CR-V groups spanning 19–37 across all generations. Always check the exact group for the specific car and registration year before buying — see our insurance groups guide.

Save money

Cheapest way to insure a Honda CR-V

Buy the previous generation. A 2018–2023 Hybrid SE 2WD in group 22–23 is the cheapest recent CR-V to insure — nine to twelve groups below the current car — and earlier CR-Vs drop as low as group 19. Finder records premiums from around £547 a year for a low-risk 50-year-old on the oldest models.
Pick eHEV over ePHEV if the group matters. On the current car the eHEV Elegance and Advance (group 31) undercut the plug-in Advance Tech (33) and the Elegance Sensing (34).
Compare widely and set a renewal reminder. Run the whole market 20–26 days before renewal, when quotes are typically cheapest, and never auto-renew without checking.
Increase your voluntary excess to a level you could genuinely afford after a claim.
Build and protect your no-claims discount — on a £900 premium it is worth more than almost any other lever.
Keep annual mileage realistic and park off-road where possible — both matter more on a family SUV that insurers assume does high miles.
Declare a towbar and any modifications honestly — a factory towbar rarely adds much, but an undeclared one can void a claim.
Pay annually rather than monthly to avoid instalment interest, and drop duplicated add-ons like breakdown cover you may already hold.

FAQs

Honda CR-V insurance: your questions answered

What insurance group is a Honda CR-V?

The Honda CR-V spans insurance groups 19 to 37 out of 50 across all generations, according to Finder. The current 2023-on hybrid-only car sits in groups 31–34 (Parkers), the 2018–2023 generation in groups 22–25, and older cars from group 19. Groups are set by Thatcham Research based on repair cost, performance, security and value.

Why is the 2023-on Honda CR-V more expensive to insure than the older one?

Because the new car jumped nine or more insurance groups: list prices rose to roughly £46,000–£54,000, the range became hybrid-only with a more complex drivetrain, and standard Honda SENSING driver-assist tech means sensor-laden bumpers and windscreens that need expensive ADAS recalibration after even minor knocks. Those repair economics pushed it from groups 22–25 to groups 31–34.

Which Honda CR-V is cheapest to insure?

Among recent cars, the 2018–2023 Hybrid SE 2WD in group 22–23 is the cheapest CR-V to insure. Earlier generations drop as low as group 19 — Finder records premiums from around £547 a year for a low-risk 50-year-old on the oldest models. On the current car, the eHEV Elegance and Advance (group 31) are the cheapest versions.

Is the Honda CR-V eHEV hybrid expensive to insure?

Moderately. The 2.0 eHEV self-charging hybrid sits in group 31 in Elegance and Advance trim, which prices above the UK average — typically £550–£850 a year for a 35–64 driver — but it avoids EV-specific complications such as battery-lease clauses. Its 181bhp output is modest for the class, so there is no performance loading.

Does the CR-V ePHEV plug-in hybrid cost more to insure?

Slightly. The ePHEV Advance Tech sits in group 33, two groups above the standard eHEV Elegance and Advance (31), because of its larger battery, around 50 miles of claimed electric-only range and a list price near £54,000. It still undercuts the group 34 Elegance Sensing, so the plug-in premium difference is usually modest.

Is a Honda CR-V realistic for a young or new driver?

Rarely. A 17–24 year old faces roughly £1,700–£2,900+ a year on a recent CR-V, in line with NimbleFins’ 2026 young-driver averages, and the current group 31–34 car sits at the top of that. A previous-generation CR-V, or a smaller low-group crossover, plus a telematics black box policy is a far more sensible route to SUV ownership at that age.

How does Honda CR-V insurance compare with the UK average?

It sits above it. Finder’s blended CR-V average is about £930 a year, versus a UK average quoted price of £719 (Confused.com Price Index, Q2 2026) and an average paid premium of £560 (ABI Motor Insurance Premium Tracker, Q1 2026). Quoted and paid averages are different measures, but on either basis a CR-V costs more than the typical UK car — as you would expect of a £46,000-plus family SUV.

Do towing or modifications affect Honda CR-V insurance?

Yes — both must be declared. A towbar is a modification in insurers’ eyes; a factory or professionally fitted one usually adds little or nothing to the premium, but an undeclared towbar can void a claim. Performance, suspension or cosmetic modifications typically raise premiums on any CR-V. Keeping the car standard and declaring everything is the cheapest safe route.

Explore more

Related guides

All vehicles — compare insurance costs across every make and model.
UK car insurance cost index — how the national average is trending in 2026.
Insurance groups explained — how the 1–50 scale sets your premium.

Our sources

Sources & methodology

Parkers — Honda CR-V insurance groups, 2023-on and 2018–2023 generations (Thatcham Research ratings)
Finder UK — Honda CR-V insurance group & cost (2026)
NimbleFins — Average cost of car insurance by age (2026)
Association of British Insurers (ABI) — Motor Insurance Premium Tracker (Q1 2026)
Confused.com — Car Insurance Price Index (Q2 2026)
Thatcham Research — insurance group rating methodology

Premium figures are indicative ranges to help you compare, not quotes. Your price depends on your age, postcode, mileage, occupation, no-claims discount, excess and the exact CR-V version. Quoted averages (Confused.com) and paid averages (ABI) measure different things and are never mixed on this page without saying so.

Reviewed by the Car Insurance Expert editorial team.

Last updated: 2026-08-02

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