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  4. 2002 Model Year

2002 Honda CR-V Insurance Rates

Average insurance rates for a 2002 Honda CR-V are $794 a year for full coverage insurance. Comprehensive costs approximately $132 each year, collision insurance costs $136, and liability coverage costs $390. Buying a liability-only policy costs as little as $438 a year, and high-risk insurance costs around $1,694. Teen drivers receive the highest rates at up to $3,216 a year.

Annual premium for full coverage: $794

Rate estimates for 2002 Honda CR-V Insurance

Comprehensive $132
Collision $136
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2002 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 $438 for only liability insurance to a high rate of $1,694 for a high risk driver.

Liability Only $438
Full Coverage $794
High Risk $1,694

View Chart as Image

2002 Honda CR-V insurance rates compared
Column chart showing 2002 Honda CR-V insurance prices range from $492 to $3,216 for full coverage

These differences illustrate why all drivers should compare rates using their specific location and risk profile, rather than using price averages.

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Sick and tired of scraping the payment together to buy car insurance? You are no different than millions of other consumers.

Drivers have multiple car insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, it makes it harder to find a good deal.

Consumers need to price shop coverage yearly since rates are usually higher with each renewal. Even if you think you had the best deal for CR-V insurance a couple years back other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because you’re going to get a crash course in the best methods to remove unneeded coverages and save money.

Where Can I Get Cheap Insurance?

To find the best insurance prices, there are several ways of comparing rate quotes and find the best price. By far the easiest way to find competitive 2002 Honda CR-V insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

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  • One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing multiple quote forms for each company. In just a few minutes this one form will get you rate comparisons instantly.
  • A more difficult way to compare rate quotes consists of visiting the website of each company and fill out their own quote form. For example, let’s say you want rates from Allstate, State Farm and Farmers. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Which method you use is up to you, but compare exactly the same coverage limits and deductibles on every quote you get. If you enter different limits and deductibles on each one it’s not possible to determine the lowest rate for your Honda CR-V. Slightly different coverages could mean much higher rates. Just keep in mind that obtaining a wide range of quotes will increase your chances of finding a better price.

Do you qualify for a discount?

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some must be asked for before you get the savings.

  • Organization Discounts – Being a member of certain professional organizations may earn a discount when buying insurance coverage for CR-V insurance.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for CR-V insurance depending on your company.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may save up to 20% off your total premium.

As a disclaimer on discounts, most discounts do not apply the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your overall premium however.

Companies that may have these benefits are:

Double check with each company how you can save money. Some discounts might not apply everywhere.

Honda CR-V rates influenced by many factors

It’s important that you understand the rating factors that go into determining your insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • Credit scores impact insurance rates – A driver’s credit score is a important factor in your rate calculation. Therefore, if your credit history is lower than you’d like, you could potentially save money when insuring your 2002 Honda CR-V by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Lower deductibles cost more – Your deductibles define the amount you are required to spend in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The higher the amount you have to pay, the less your company will charge you for insurance for CR-V insurance.
  • Never allow your policy to lapse – Driving with no insurance is against the law and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.
  • Your job and insurance rates – Did you know your occupation can influence how much you pay for insurance? Occupations such as judges, social workers and accountants are shown to have higher rates than average because of high stress and long work hours. On the flip side, jobs such as farmers, athletes and performers pay the least for CR-V insurance.
  • Do you need those extra coverages? – There are many extra bells and whistles that can waste your money if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness and membership fees may be wasting your money. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.
  • Pleasure use or commuting – The higher the mileage driven in a year the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. Having the wrong rating on your CR-V can cost quite a bit. Double check that your insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.

What coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • Is extra glass coverage worth it?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I wreck a rental car?
  • Am I getting all the discounts available?
  • Do I need more liability coverage?
  • Should I have a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • Does my car insurance cover rental cars?
  • What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Can switching companies really save?

Companies like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the ads make the same claim of big savings if you switch to their company. How does each company make the same claim?

Insurance companies are able to cherry pick for the type of driver that is profitable for them. An example of a driver they prefer could possibly be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get the preferred rates and as a result will probably cut their rates substantially.

Drivers who don’t meet this ideal profile will be charged a more expensive rate which leads to business going elsewhere. The ads say “customers that switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can state the savings.

That is why you should get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Honda CR-V insurance.

Insurance policy coverages for a 2002 Honda CR-V

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average insurance policy.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense coverage

Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, hospital visits, X-ray expenses, EMT expenses and chiropractic care. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage


This can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, legal defense fees, repair bills for other people’s vehicles, medical services and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Honda CR-V.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, fire damage and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

In Summary

Budget-conscious 2002 Honda CR-V insurance is possible from both online companies as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.

Even more information is available by following these links:

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Rates by U.S. City

2002 Honda CR-V Insurance Rates by City
New York City, NY$1,254
Los Angeles, CA$1,359
Philadelphia, PA$1,058
Jacksonville, FL$1,151
Phoenix, AZ$921
Chicago, IL$1,066
Houston, TX$1,245
Seattle, WA$771
Columbus, OH$663
Indianapolis, IN$676

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Rates by Driver Age

2002 Honda CR-V Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

2002 Honda CR-V Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$911
300 CSL$1,126
500 CSL$1,282

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Honda CR-V Insurance Rates for High Risk Drivers

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 $103

Potential Rate Discounts

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

5-yr Accident Free$45
5-yr Claim Free$49
Paid in Full/EFT$27
Advance Quote$33
Online Quote$53
Total Discounts$302
Rate after discounts $492

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

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