Finding the best cheap insurance for a Honda CR-V hinges on a lot of different factors such as your financial responsibility, what you do for a living, and any past driving violations you may have had. Drivers in Washington will pay on average $941 a year to insure their CR-V, but that amount is an estimate based on a 40-year-old single female driver with full physical damage coverage and $100 deductibles.
There’s a high likelihood you aren’t exactly 40 years old or even a female, possibly married instead of single, and maybe you want higher deductibles. Insurance is an individual thing, so the best way to find the cheapest coverage for your Honda is to just compare rates yourself. Do a quick rate comparison now and you will receive price comparisons from some of the cheapest companies that insure Honda vehicles in Washington.
The trim level of your vehicle tends to impact the insurance rate, so the rate you pay to insure a CR-V LX 2WD will cost $32 less than the insurance cost for the more well-appointed CR-V EX-L 4WD model, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $212 | $426 | $326 | $20 | $98 | $1,082 | $90 |
| CR-V EX 2WD | $212 | $426 | $326 | $20 | $98 | $1,082 | $90 |
| CR-V LX 4WD | $212 | $426 | $326 | $20 | $98 | $1,082 | $90 |
| CR-V EX 4WD | $244 | $426 | $326 | $20 | $98 | $1,114 | $93 |
| CR-V EX-L 2WD | $244 | $426 | $326 | $20 | $98 | $1,114 | $93 |
| CR-V EX-L 4WD | $244 | $426 | $326 | $20 | $98 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in specific zip code location which can modify auto insurance rates substantially.
Comparing rates for affordable auto insurance is not the easiest thing to accomplish, and determining which companies quote the cheapest car insurance rates for a Honda CR-V calls for even more perseverance.
Each auto insurance company uses a slightly different approach to determine rates, so we’ll take a look at the car insurance companies with the most affordable rates in Seattle, WA. Keep in mind that Seattle car insurance rates are impacted by many things which can substantially decrease or increase the cost of your policy. This is why consumers need to perform a complete rate comparison when trying to find cheap car insurance quotes for a Honda CR-V. Insurance rates are impacted by many things and can decrease or increase without notice, so the best option the last time you compared rates may now cost much more than other companies.
Lowest Insurance Price Quotes for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $761 |
| 2 | Grange | $838 |
| 3 | Nationwide | $961 |
| 4 | PEMCO | $994 |
| 5 | Travelers | $1,038 |
| 6 | The Hartford | $1,048 |
| 7 | USAA | $1,060 |
| 8 | Mutual Enumclaw | $1,065 |
| 9 | California Casualty | $1,072 |
| 10 | Chubb | $1,083 |
| 11 | Allied | $1,131 |
| 12 | American Family | $1,160 |
| 13 | State Farm | $1,165 |
| 14 | Safeco | $1,228 |
| 15 | Amica | $1,243 |
| 16 | Liberty Mutual | $1,257 |
| 17 | Farmers | $1,369 |
| 18 | Progressive | $1,465 |
| 19 | National General | $1,540 |
| 20 | GEICO | $1,656 |
| Quote Your Rates Go | ||
Capital quotes some of the lowest car insurance rates in Seattle at around $761 each year. Grange, Nationwide, PEMCO, and Travelers also are some of the cheaper Seattle, WA auto insurance companies.
In the rate table above, if you buy coverage from Grange and switched to Capital, you could realize a yearly price reduction of around $77. Customers with Nationwide might save as much as $200 a year, and PEMCO customers might lower prices by $233 a year.
These policy prices are averages across all insureds and vehicles and and are not calculated with an exact zip code location for a Honda CR-V. So the car insurance company that fits you best may not even be in the list above. That illustrates why you need to compare rates from multiple companies using your own individual information.
Insurance rate increases from tickets or accidents
The easiest way to snag low car insurance rates for a CR-V is to drive safely and avoid accidents and violations. The illustration below highlights how speeding tickets and at-fault fender-benders raise annual premium costs for different age groups. The rate quotes are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance per year with no violations or accidents is $1,360. Get two speeding tickets and the average cost swells to $1,876, an increase of $515 each year. Now add one accident along with the two speeding tickets and the yearly cost of car insurance for a Honda CR-V jumps again to an average of $2,380. That’s an increase of $1,020, or $85 per month, just for being a little careless behind the wheel!
Cost comparison with and without full coverage
Saving on car insurance is the goal of the majority of people, and one of the easiest ways to lower the cost of insurance for a Honda CR-V is to only pay for liability coverage. The illustration below illustrates the difference between insurance costs with and without physical damage coverage. The data is based on no accidents or driving violations, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
As an overall average, physical damage insurance costs an additional $1,589 per year more than just buying liability insurance. That brings up the question if buying full coverage is worth the money. There is no exact rule to delete physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
Why are you paying too much for CR-V insurance?
Washington car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay. Simply turning a year older, moving across town, or having an at-fault accident can trigger price changes resulting in some rates now being much cheaper than others.
Not only may your risk profile change, but companies change the rates they charge in Washington as often as every quarter to adjust for heavy claims or excess profits. A period of higher than normal claims may cause a rate increase, while a better loss history can produce cheaper CR-V insurance rates.
To help illustrate this point, the chart below shows rates for the cheapest car insurance in Seattle, WA for a 35-year-old female driver with no violations or accidents, and good credit. If we estimate prices based on her current risk profile, Capital may offer the best car insurance rates in Seattle at $1,041 per year. This is $371 less than the average price paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are also on the list of the cheapest Seattle, WA auto insurance companies.
The example below compares rates after we give the driver from above an at-fault accident, bad credit, and an imperfect driving record. Since every insurance provider has a proprietary formula for setting prices, comparing rates may result in a different ranking of companies as shown below.
The Hartford now has the best car insurance rate in Seattle, WA with USAA, California Casualty, Chubb, and Allied now rounding out the top five. This example illustrates why Seattle drivers need to compare lots of rates to find the most budget-friendly auto insurance rates for a Honda CR-V.
Insurance rates are impacted by many risk factors and can decrease or increase without notice, so the most economical company a year ago may now be priced much higher than other options.
If you like to have some professional guidance when comparing insurance rates for a Honda CR-V, the agents listed below are willing to aid you in deciding which car insurance company is the best fit. To find an agent close to you, click the button following the list.
Vern Fonk
10301 Aurora Ave N – Seattle, WA 98133 – (206) 408-5098
George Fu – State Farm Insurance Agent
9026 Roosevelt Way NE – Seattle, WA 98115 – (206) 524-0330
Allstate Insurance: Carmelita Strong
5959 Martin Luther King Jr Way S – Seattle, WA 98118 – (206) 725-8969
Spangler Insurance
431 15th Ave E – Seattle, WA 98112 – (206) 329-7447
View more Seattle, WA insurance agents
How to find economical insurance for a Honda CR-V
The list below shows some of the recommended penny-pinching ideas that can help Washington drivers buy cheaper coverage.
- Drop full coverage on older vehicles
- Higher physical damage deductibles lower rates
- Try to remain claim-free
- Improve your credit rating
- Bundle car and home insurance and save money
- Drive a car with a high safety rating
- Shop your coverage around for the best deal
The last item on the list is particularly important, as was emphasized in this piece. Insurance rates in Seattle can be changed at any time, so don’t be tentative to change insurance companies if a cheaper rate is available.
Sticking with a specific company is fine, but it isn’t a good idea if that loyalty results in overpaying several hundred dollars every year. In just a few minutes you could compare rates to find cheaper insurance for a Honda CR-V.