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2017 Honda CR-V insurance is one of the cheapest SUV bills in America. The 2017 Honda CR-V is one of the cheapest small SUVs in America to insure. Its low theft rate, predictable repair costs, strong crash-test scores, and high resale demand all combine to keep premiums below the SUV average. Even so, the same clean-record driver can pay $300 to $700 a year more at the most expensive carrier than at the cheapest.
This guide pulls 2017 CR-V insurance rates from IRG’s 2026 quote runs, breaks them out by carrier and by state, and lays out the five moves that work for almost every CR-V owner trying to cut their premium without giving up coverage.
2017 Honda CR-V Insurance Cost in 2026
The average annual premium for a 2017 Honda CR-V across the U.S. is around $1,460 a year for full coverage on a 35-year-old driver with a clean record and good credit. State minimum coverage on the same driver averages closer to $640 a year.
The 2017 CR-V is the fifth-generation CR-V (built 2017–2022) and benefits from the 2017 redesign that added the smaller turbocharged engine, more standard safety tech, and a higher Insurance Institute for Highway Safety (IIHS) crash-test rating. The 2017 model carries IIHS Top Safety Pick status and a five-star NHTSA overall rating, which pushes premiums lower than older CR-Vs and most rival small SUVs.
For comparison, the 2017 CR-V tracks roughly:
- 5% lower than the average 2017 Toyota RAV4 (similar segment).
- 10–12% lower than the average 2022 Honda CR-V (newer car, higher repair costs).
- 15–20% lower than the average new luxury small SUV.
2017 Honda CR-V Insurance vs 2022 CR-V Rate Comparison
The 2022 CR-V starts the sixth generation. It costs more to insure than the 2017 because the newer model has higher MSRP, more advanced driver-assist sensors that cost more to replace, and a hybrid trim option that carries higher comprehensive premiums.
| MODEL YEAR | AVG FULL COVERAGE | AVG MINIMUM | NOTES |
|---|---|---|---|
| 2017 Honda CR-V | $1,460/yr | $640/yr | Cheapest CR-V year still in the under-10 bucket |
| 2018 Honda CR-V | $1,510/yr | $650/yr | Same generation, slight age premium |
| 2020 Honda CR-V | $1,605/yr | $700/yr | Adds Honda Sensing standard across trim line |
| 2022 Honda CR-V | $1,640/yr | $720/yr | Last year of 5th gen; many lease-end shoppers |
| 2024 Honda CR-V (6th gen) | $1,820/yr | $795/yr | Redesigned platform, higher repair cost |
Source: InsuranceRateGuard.com 2026 quote runs across major U.S. auto carriers, 35-year-old clean-record driver, 100/300/100 limits with $500 comp/collision deductibles.
2017 CR-V Rates by Carrier
Carrier mix is the single biggest controllable variable. For the same 2017 CR-V driver in the same ZIP code, the spread between the cheapest and the most expensive national carrier often runs $300 to $700 a year.
| CARRIER | FULL COVERAGE AVG | MINIMUM AVG | BEST-FIT PROFILE |
|---|---|---|---|
| GEICO | $1,260/yr | $570/yr | Clean record, urban driver, no recent claims |
| Progressive | $1,310/yr | $595/yr | Snapshot user; ticket or single accident on record |
| State Farm | $1,420/yr | $615/yr | Bundle with home/renters; preferred-agent shopper |
| USAA | $1,180/yr | $520/yr | Military families only (cheapest if you qualify) |
| Allstate | $1,580/yr | $680/yr | Drivewise enrollee; multi-policy household |
| Liberty Mutual | $1,520/yr | $640/yr | Right Track program; bundle shopper |
| Farmers | $1,500/yr | $630/yr | Signal app user; agent-driven shopper |
| Nationwide | $1,460/yr | $615/yr | SmartRide enrollee; long-term-policy household |
Source: InsuranceRateGuard.com 2026 quote runs, 35-year-old clean-record driver, 100/300/100 limits with $500 comp/collision deductibles.
2017 CR-V Rates by State
Where you live moves the premium more than the carrier in most cases. Below are the 2017 CR-V averages for full coverage in the ten most-populous states for a 35-year-old clean-record driver.
| STATE | 2017 CR-V FULL COVERAGE | VS NATIONAL AVG |
|---|---|---|
| Michigan | $2,180/yr | +49% |
| Florida | $1,860/yr | +27% |
| New York | $1,720/yr | +18% |
| California | $1,610/yr | +10% |
| Texas | $1,480/yr | +1% |
| Pennsylvania | $1,460/yr | 0% |
| Illinois | $1,380/yr | -5% |
| Georgia | $1,440/yr | -1% |
| Ohio | $1,150/yr | -21% |
| North Carolina | $1,050/yr | -28% |
Source: InsuranceRateGuard.com 2026 quote runs. State results blend the carriers listed above.
Why the 2017 CR-V Is Cheap to Insure
Four factors keep the 2017 CR-V below the SUV average premium.
- Strong crash-test scores. The 2017 CR-V carries an IIHS Top Safety Pick designation and five-star NHTSA overall rating. Carriers price lower for cars that protect occupants well.
- Low theft rate. The CR-V sits well below the National Insurance Crime Bureau (NICB) most-stolen lists. Comprehensive premiums run lower for low-theft vehicles.
- Predictable repair costs. Honda parts and labor pricing for the 2017 generation are well-mapped. Body panels, headlights, and bumper covers carry stable replacement pricing.
- Resale demand. The 2017 CR-V holds its value, which keeps actual-cash-value totaled payouts honest at claim time.
2017 CR-V Maintenance Context
Insurance is only one column of total ownership cost. The 2017 CR-V’s maintenance picture matters because carriers factor expected claim frequency into rate.
The 2017 CR-V’s turbocharged 1.5L engine had a documented oil-dilution issue in cold-climate markets. Honda issued a service bulletin and a warranty extension in 2018, and most affected units have already been addressed. A buyer pulling a clean-history 2017 CR-V with the service campaign closed should expect normal Honda reliability.
Common maintenance touchpoints include 100k-mile timing-belt review (the 1.5L turbo uses a chain, not a belt), brake-pad replacement at typical Honda intervals, and the standard A/B service cycle. None of these drives an insurance-claim spike, but a poorly maintained CR-V with neglected brakes does see higher liability-claim frequency.
How to Save on Insurance
2017 CR-V drivers have more room to cut their bill than most realize. Five moves work for almost everyone.
- Quote three to five carriers every 12 months. GEICO, Progressive, State Farm, Allstate, and either Farmers or Nationwide should always be on the list. Add USAA if you qualify.
- Bundle home and auto with the same carrier. Most major carriers offer a meaningful bundle discount, often in the double digits in percentage terms.
- Raise your deductibles. Going from $500 to $1,000 on collision and comprehensive often produces a noticeable reduction on those line items. Keep the deductible cash on hand.
- Ask about every CR-V discount. Defensive driver, multi-car, paid-in-full, paperless billing, low-mileage, and safety-feature discounts stack faster than most drivers expect. Carriers won’t apply them automatically.
- Use a usage-based program. Snapshot, Drivewise, SmartRide, and Drive Safe & Save reward smooth driving. Safe drivers can save a meaningful percentage over time, with actual savings tied to driving behavior.
Match your coverage to your real risk. State minimum is rarely the right answer for a 2017 CR-V owner who has any savings, equity, or income to protect. Moving to 100/300/100 with comp, collision, and UM/UIM costs more than state minimum, but the gap is often smaller than drivers expect for the substantial increase in protection.
Common Discounts for 2017 Honda CR-V Drivers
Most carriers stack four to six discounts on 2017 Honda CR-V insurance policies before the final premium is set. Carriers rarely apply every one automatically, so a five-minute audit at renewal often returns more savings than switching carriers.
- Multi-policy bundle (home, renters, or condo with the same carrier): 8–18% off the auto premium for most major carriers.
- Multi-car (two or more vehicles on one policy): typically 10–25% off each vehicle.
- Paid-in-full: 5–10% off when the six-month premium is paid in one lump sum instead of monthly.
- Paperless billing + autopay: 2–7% combined on most national carriers.
- Good driver / accident-free: 8–22% off when the household has gone 3+ years with no at-fault claims.
- Anti-theft + safety package: small but stackable, typically 1–5%, available on the 2017 Honda CR-V’s standard Honda Sensing trims.
For 2017 Honda CR-V drivers shopping the same coverage across carriers, asking each rep to apply every available discount is often the single biggest controllable variable in the final 2017 Honda CR-V insurance bill.
2017 Honda CR-V Insurance at Renewal: Don’t Just Re-Sign
The biggest mistake CR-V owners make is auto-renewing without a re-quote. Carriers raise rates on existing customers more aggressively than they raise rates for new customers in the same ZIP code — a pattern documented by the NAIC’s annual market reports. A 2017 Honda CR-V driver who has been with the same carrier four or more years should expect to find a 10–20% cheaper offer at a competitor on the same coverage in most years.
The remedy is simple: every 12 months, quote three to five carriers, apply every discount, and let the cheapest offer drive your retention conversation with the incumbent carrier. The renewal-shock guide at our car insurance renewal increase push-back walkthrough lays out the exact six-step audit a CR-V owner can run on any renewal letter.
Sources Used
- Insurance Institute for Highway Safety, 2017 Honda CR-V crash-test ratings: iihs.org
- National Highway Traffic Safety Administration, 2017 Honda CR-V safety ratings: nhtsa.gov
- National Insurance Crime Bureau, Hot Wheels most-stolen-vehicles report: nicb.org
- NAIC, 2023 Auto Insurance Database Average Premium Supplement: content.naic.org
- Insurance Information Institute, Facts + Statistics: Auto insurance: iii.org
- InsuranceRateGuard.com, 2026 quote runs across major U.S. auto carriers.
Fact-checked: 2026-05-16