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  4. 2013 Model Year

2013 Honda CR-V Insurance Rates

Average insurance rates for a 2013 Honda CR-V are $1,064 a year including full coverage. Comprehensive costs an estimated $218 each year, collision costs $326, and liability coverage costs $384. Buying a liability-only policy costs as little as $432 a year, with high-risk insurance costing around $2,284. Teen drivers receive the highest rates at $4,046 a year or more.

Annual premium for full coverage: $1,064

Rate estimates for 2013 Honda CR-V Insurance

Comprehensive $218
Collision $326
Liability $384

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 go from as low as $432 for just liability coverage to a high rate of $2,284 for a high risk driver.

Liability Only $432
Full Coverage $1,064
High Risk $2,284

View Chart as Image

2013 Honda CR-V insurance rates compared
Column chart showing 2013 Honda CR-V insurance prices range from $627 to $4,046 for full coverage

These differences highlight why all drivers should compare rates for a targeted area and risk profile, rather than using price averages.

Use the form below to get rates for your location.

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Recommended Companies for Cheap 2013 Honda CR-V Insurance

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Looking for cheaper insurance coverage rates for your Honda CR-V? Finding the lowest price for insurance coverage can be a challenge if you are a beginner to online rate quotes. But relax because using the internet to shop for insurance coverage is actually quite easy.

Finding affordable coverage is not that difficult. Essentially every vehicle owner who shops for car insurance should be able to cut their insurance bill. Nevertheless, drivers should learn the way insurance companies determine prices and use this information to your advantage.

Comprehensive Auto Insurance Comparison

When shopping for auto insurance there are multiple ways to get quotes from different insurance companies. The simplest method to find the cheapest 2013 Honda CR-V insurance rates consists of shopping online. This can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating boring form submissions for every auto insurance company. Just one form gets you price quotes from all major companies.It’s the quickest way to get rates.
  2. A more time consuming way to compare rate quotes is to manually visit each company’s website and fill out their own quote form. For example, let’s assume you want rates from Liberty Mutual, GEICO and American Family. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you use, make sure you use exactly the same quote information for each price quote. If you enter mixed coverages it’s not possible to determine the best price for your Honda CR-V. Having just a slight variation in limits can mean a large discrepancy in price. And when price shopping your coverage, quoting more will enable you to find the best offered rates.

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Don’t pay full price with these six discounts

Companies that sell car insurance don’t always advertise every available discount very well, so we break down both the well known as well as the least known discounts you could be receiving.

  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on CR-V coverage than less cautious drivers.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Drive Less and Save – Low mileage vehicles could qualify for a substantially lower rate.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

Car insurance companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask each company which discounts they offer. Savings might not be offered in your state.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can aid in determining if you might need professional guidance.

  • Does my 2013 Honda CR-V need full coverage?
  • Should I buy full coverage?
  • What are the best liability limits?
  • Does medical payments coverage apply to all occupants?
  • Is my dog or cat covered if injured in an accident?
  • Do all my vehicles need collision coverage?
  • What vehicles should carry emergency assistance coverage?
  • Are my friends covered when driving my car?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

What insurance coverages do you need?

Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage protection

This coverage will pay to fix damage to your CR-V caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, structural damage, emergency aid, legal defense fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as pain medications, funeral costs and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, rock chips in glass, damage from getting keyed and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2013 Honda CR-V Insurance Rates by City
CityPremium
New York City, NY$1,674
Los Angeles, CA$1,815
Philadelphia, PA$1,417
Jacksonville, FL$1,538
Phoenix, AZ$1,232
Chicago, IL$1,422
Houston, TX$1,664
Seattle, WA$1,031
Columbus, OH$883
Indianapolis, IN$906

Find companies with the cheapest rates in your area

Need a specific model?

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Rates by Driver Age

2013 Honda CR-V Insurance Rates by Driver Age
Driver AgePremium
16$4,046
20$2,422
30$1,096
40$1,064
50$972
60$952

Full coverage, $500 deductibles

Rates by Deductible

2013 Honda CR-V Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,300
$250$1,192
$500$1,064
$1,000$940

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-V Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,064
50/100$1,141
100/300$1,237
250/500$1,486
100 CSL$1,179
300 CSL$1,390
500 CSL$1,544

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Honda CR-V Insurance Rates for High Risk Drivers
AgePremium
16$5,748
20$3,852
30$2,320
40$2,284
50$2,176
60$2,154

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 $144

Potential Rate Discounts

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

DiscountSavings
Multi-policy$56
Multi-vehicle$56
Homeowner$17
5-yr Accident Free$72
5-yr Claim Free$68
Paid in Full/EFT$44
Advance Quote$50
Online Quote$74
Total Discounts$437
Rate after discounts $627

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

2013 Honda CR-V Insurance Rates by State
StatePremium
Alabama$958
Alaska$814
Arizona$880
Arkansas$1,064
California$1,210
Colorado$1,012
Connecticut$1,090
Delaware$1,200
Florida$1,326
Georgia$980
Hawaii$764
Idaho$720
Illinois$790
Indiana$802
Iowa$716
Kansas$1,006
Kentucky$1,448
Louisiana$1,572
Maine$654
Maryland$876
Massachusetts$846
Michigan$1,842
Minnesota$890
Mississippi$1,272
Missouri$942
Montana$1,140
Nebraska$836
Nevada$1,272
New Hampshire$764
New Jersey$1,186
New Mexico$938
New York$1,116
North Carolina$612
North Dakota$870
Ohio$730
Oklahoma$1,090
Oregon$974
Pennsylvania$1,012
Rhode Island$1,416
South Carolina$962
South Dakota$896
Tennessee$928
Texas$1,280
Utah$784
Vermont$724
Virginia$634
Washington$818
West Virginia$974
Wisconsin$732
Wyoming$946

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