1. Vehicles
  2. Honda
  3. CR-V
  4. 1999 Model Year

1999 Honda CR-V Insurance Rates

Average insurance rates for a 1999 Honda CR-V are $744 a year with full coverage. Comprehensive insurance costs on average $116 a year, collision insurance costs $116, and liability costs $376. Buying a liability-only policy costs as little as $426 a year, and high-risk insurance costs $1,586 or more. Teenage drivers receive the highest rates at up to $3,048 a year.

Annual premium for full coverage: $744

Rate estimates for 1999 Honda CR-V Insurance

Comprehensive $116
Collision $116
Liability $376

Rate data is compiled from all 50 U.S. states and averaged for all 1999 Honda CR-V models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $426 for the bare minimum liability coverage to a high of $1,586 for a high risk driver.

Liability Only $426
Full Coverage $744
High Risk $1,586

View Chart as Image

1999 Honda CR-V insurance rates compared
Column chart showing 1999 Honda CR-V insurance prices range from $466 to $3,048 for full coverage

These differences demonstrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Companies will appear below. Click here to view full page.

Recommended Companies for Cheap 1999 Honda CR-V Insurance

Searching Companies

Searching for the cheapest insurance coverage rates for your Honda CR-V? Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than many other drivers. Since consumers have many options, it can be impossible to find the right insurance company.

How to Buy Car Insurance Online

Comparing car insurance rates can be exhausting if you don’t know the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

Many insurance companies take part in a program where prospective buyers enter their coverage request one time, and at least one company provides a quote for coverage. This saves time by eliminating quote forms to each individual car insurance company. To find out how much you’re overpaying now click here (opens in new window).

The only downside to using this type of form is you don’t know exactly the companies to get quotes from. So if you want to choose specific providers to request quotes from, we have a page of companies who write car insurance in your area. Click to view list.

Recommended Companies for the Best Insurance Rates

Searching Companies

It’s up to you how you get prices quotes, just make darn sure you compare the exact same quote information on every quote. If you compare differing limits it’s impossible to truly determine the lowest rate.

These nine discounts can lower your rates

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply at the time of purchase, but less common discounts must be specially asked for in order for you to get them. If you don’t get every credit available, you’re paying more than you need to.

  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums for CR-V coverage.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
  • Auto/Home Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • No Claims – Claim-free drivers pay less compared to frequent claim filers.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
  • Resident Student – Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But any discount will bring down the amount you have to pay.

For a list of insurers with discount auto insurance rates, click here to view.

Different people need different coverages

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Are my friends covered when driving my car?
  • Is extra glass coverage worth it?
  • Is business equipment covered while in my vehicle?
  • Am I covered when using my vehicle for business?
  • Is my babysitter covered when using my vehicle?
  • Does my car insurance cover rental cars?
  • Should I carry comprehensive and collision coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I buy full coverage?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Advertising myths

Drivers get pounded daily by advertisements that promise big savings from companies such as 21st Century, Allstate and State Farm. They all seem to make an identical promise that you can save if you switch your policy.

How can each company say the same thing? It’s all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. For example, a profitable customer could possibly be between the ages of 30 and 50, has no tickets, and has great credit. A customer that hits that “sweet spot” will get very good rates and therefore will cut their rates substantially.

Potential customers who don’t measure up to this ideal profile will be quoted a higher premium which usually ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save money. This is how companies can make the claims of big savings.

This emphasizes why you should get as many quotes as possible. You cannot predict which company will give you the biggest savings on Honda CR-V insurance.

Auto insurance coverage specifics

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most auto insurance policies.

Collision insurance

Collision insurance covers damage to your CR-V from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle, hitting a bird, hail damage and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like surgery, prosthetic devices and nursing services. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

This can cover damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, repair costs for stationary objects, legal defense fees, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Be a Smart Shopper

You just learned many ideas to get a better price on 1999 Honda CR-V insurance. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with some of the lesser-known companies. These smaller insurers may have significantly lower rates on certain market segments compared to the large companies like Progressive and GEICO.

As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

More information can be found on the following sites:

Find the Cheapest Quotes in Your Area

Get multiple rate quotes instantly and find your cheapest rate

Rates by U.S. City

1999 Honda CR-V Insurance Rates by City
CityPremium
New York City, NY$1,173
Los Angeles, CA$1,272
Philadelphia, PA$991
Jacksonville, FL$1,076
Phoenix, AZ$862
Chicago, IL$997
Houston, TX$1,162
Seattle, WA$721
Columbus, OH$620
Indianapolis, IN$633

Find companies with the cheapest rates in your area

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1999 Honda CR-V Insurance Rates by Driver Age
Driver AgePremium
16$3,048
20$1,688
30$750
40$744
50$684
60$672

Full coverage, $500 deductibles

Rates by Deductible

1999 Honda CR-V Insurance Rates with Different Deductibles
DeductiblePremium
$100$842
$250$798
$500$744
$1,000$692

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$744
50/100$819
100/300$913
250/500$1,158
100 CSL$857
300 CSL$1,064
500 CSL$1,214

Full coverage, driver age 40

Rates for High Risk Drivers

1999 Honda CR-V Insurance Rates for High Risk Drivers
AgePremium
16$4,266
20$2,678
30$1,590
40$1,586
50$1,514
60$1,496

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $96

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$36
Multi-vehicle$39
Homeowner$14
5-yr Accident Free$41
5-yr Claim Free$45
Paid in Full/EFT$24
Advance Quote$30
Online Quote$49
Total Discounts$278
Rate after discounts $466

Discounts are estimated and may not be available from every company or in every state.

You May Also Enjoy These Articles