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2005 Honda CR-V Insurance Rates

Average insurance rates for a 2005 Honda CR-V are $856 a year including full coverage. Comprehensive costs on average $148 each year, collision insurance costs $170, and liability costs $402. Buying a liability-only policy costs as little as $446 a year, and high-risk insurance costs around $1,832. Teenage drivers receive the highest rates at up to $3,426 a year.

Annual premium for full coverage: $856

Rate estimates for 2005 Honda CR-V Insurance

Comprehensive $148
Collision $170
Liability $402

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 $446 for just liability coverage to a high rate of $1,832 for a high risk driver.

Liability Only $446
Full Coverage $856
High Risk $1,832

View Chart as Image

2005 Honda CR-V insurance rates compared
Column chart showing 2005 Honda CR-V insurance prices range from $523 to $3,426 for full coverage

These differences highlight why all drivers should compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

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Trying to find the cheapest insurance coverage rates for your Honda CR-V? Cutting costs on insurance coverage can be nearly impossible for people who are new to comparison shopping online. There are so many options available that it can turn into a real challenge to locate the lowest price.

It’s a good idea to get comparison quotes occasionally due to the fact that insurance rates trend upward over time. Even if you think you had the lowest price for CR-V insurance six months ago a different company probably has better rates today. Don’t believe everything you read about insurance coverage online, so I’m going to show you the easiest ways to slash your insurance coverage rates.

The purpose of this article is to help educate you on the best way to quote coverages and some money-saving tips. If you have car insurance now, you will be able to reduce your rates substantially using this information. Although car owners should learn how big insurance companies market insurance on the web and take advantage of how the system works.

Finding Insurance

There are several ways you can shop for Honda CR-V insurance but there is one way that is less time-consuming than others. You could waste time driving to local insurance agents in your area, or you could save time and use online quotes to get rates in a matter of minutes.

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Most major companies are enrolled in a marketplace where prospective buyers submit one quote, and every company returns a rated price based on that data. This prevents consumers from doing quote requests for each company you want a rate for.

To use this form to compare 2005 Honda CR-V insurance rates click here (opens in new window).

The single downside to doing it this way is you can’t choose the insurers to get pricing from. If you wish to select individual companies to compare rates, we have a listing of low cost insurance companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using the exact same deductibles and coverage limits for every quote you compare. If you have different liability limits it’s not possible to determine which rate is truly the best. Having just a slight variation in coverage limits may result in a large different in cost. Keep in mind that comparing more company’s prices provides better odds of finding lower pricing.

Companies offer discounts so take them!

Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Most are applied at the time of purchase, but some may not be applied and must be requested specifically prior to receiving the credit.

  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for CR-V insurance with a few insurance companies.
  • Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for CR-V insurance than drivers with accidents.
  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.

Keep in mind that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way. But all discounts will reduce the cost of coverage.

For a list of insurance companies offering insurance discounts, follow this link.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions might help in determining whether your personal situation will benefit from professional help.

  • Do I really need UM/UIM coverage?
  • Should I get collision insurance on every vehicle?
  • What exactly is covered by my policy?
  • Do I pay less for low miles?
  • How does medical payments coverage work?
  • Am I covered when pulling a rental trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What are the financial responsibility laws in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my teenager covered with friends in the car?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Your Honda CR-V insurance rate is a complex equation

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance. Understanding what determines base rates enables informed choices that will entitle you to better insurance rates.

Listed below are some of the items insurance companies consider when setting prices.

  • Better credit means lower rates – Credit rating is a huge factor in calculating your insurance rates. People with good credit tend to be more responsible as compared to drivers with lower credit ratings. If your credit score can use some improvement, you could be paying less to insure your 2005 Honda CR-V by improving your credit score.
  • Bad driving skills means higher rates – A bad driving record impacts your car insurance rates tremendously. Even one ticket can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • An active claims history can cost you – If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance companies provide lower rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Your stress level may be raising your rates – Careers like judges, executives and stock brokers are shown to have the highest rates attributed to high stress and lengthy work days. On the other hand, professions such as actors, students and retirees pay the least for CR-V insurance.

Auto insurance coverage information

Having a good grasp of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Auto liability

This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover 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. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, medical services and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses for surgery, nursing services, EMT expenses, prosthetic devices and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Honda CR-V.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, hitting a deer, vandalism and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays for damage to your CR-V caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

In Summary

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at an affordable rate while still protecting your assets.

You just read many ways to shop for 2005 Honda CR-V insurance online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with a smaller regional carrier.

Cost effective insurance is possible from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Other learning opportunities

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Rates by U.S. City

2005 Honda CR-V Insurance Rates by City
CityPremium
New York City, NY$1,353
Los Angeles, CA$1,461
Philadelphia, PA$1,140
Jacksonville, FL$1,237
Phoenix, AZ$994
Chicago, IL$1,145
Houston, TX$1,342
Seattle, WA$832
Columbus, OH$714
Indianapolis, IN$730

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Rates by Driver Age

2005 Honda CR-V Insurance Rates by Driver Age
Driver AgePremium
16$3,426
20$1,942
30$870
40$856
50$786
60$770

Full coverage, $500 deductibles

Rates by Deductible

2005 Honda CR-V Insurance Rates with Different Deductibles
DeductiblePremium
$100$992
$250$932
$500$856
$1,000$782

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$856
50/100$936
100/300$1,037
250/500$1,298
100 CSL$977
300 CSL$1,198
500 CSL$1,359

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Honda CR-V Insurance Rates for High Risk Drivers
AgePremium
16$4,826
20$3,090
30$1,848
40$1,832
50$1,748
60$1,732

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 $113

Potential Rate Discounts

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

DiscountSavings
Multi-policy$43
Multi-vehicle$46
Homeowner$15
5-yr Accident Free$51
5-yr Claim Free$53
Paid in Full/EFT$30
Advance Quote$37
Online Quote$58
Total Discounts$333
Rate after discounts $523

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

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