Cheapest 2014 Honda CR-V Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Looking for the cheapest auto insurance rates for your Honda CR-V? Price shopping your auto insurance is always hard for consumers not familiar with buying insurance online. Consumers have so many options that it can quickly become a challenge to compare prices.

It’s a great practice to take a look at other company’s rates occasionally due to the fact that insurance rates are constantly changing. Even if you think you had the lowest price on CR-V coverage a few years ago a different company probably has better rates today. Don’t believe everything you read about auto insurance on the internet, so we’re going to give you some solid techniques on how to find cheap auto insurance.

Be sure to get all your discounts

Auto insurance companies do not list every available discount in a way that’s easy to find, so here is a list both well-publicized and the more hidden insurance savings.

  • Low Mileage – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Own a Home – Owning a house may trigger a insurance policy discount because maintaining a house requires personal responsibility.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • College Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less on CR-V coverage than their less cautious counterparts.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on CR-V coverage with select insurance companies.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.

Drivers should understand that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, it just doesn’t work that way.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

It’s a good idea to ask every prospective company what discounts are available to you. Discounts might not be offered in every state.

How do I know if I need professional advice?

When it comes to choosing coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

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For instance, these questions might help in determining whether you will benefit from professional help.

  • What can I do if my company denied a claim?
  • Am I missing any policy discounts?
  • Exactly who is provided coverage by my policy?
  • If I drive on a suspended license am I covered?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the ISO rating for a 2014 Honda CR-V?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Will I lose any money if I cancel my policy before it expires?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Are you falling for claims of savings?

Auto insurance providers like State Farm and Allstate continually stream ads on TV and radio. They all have a common claim that you’ll save big after switching your coverage to them. How do they all say the same thing? It’s all in the numbers.

Different companies can use profiling for the driver that makes them money. For instance, a driver they prefer could possibly be between 30 and 50, has no driving citations, and drives newer vehicles. A customer that hits that “sweet spot” is entitled to the best price and most likely will cut their rates substantially.

Potential customers who do not match this ideal profile will have to pay more money and ends up with business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save money. This is how companies can truthfully state the savings. Because of the profiling, it’s extremely important to get quotes from several different companies. You cannot predict which company will fit your personal profile best.

Car insurance coverages explained

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Collision coverages – Collision coverage covers damage to your CR-V from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, crashing into a ditch, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like chiropractic care, pain medications, surgery and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, a tree branch falling on your vehicle, damage from flooding and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability – This provides protection from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as emergency aid, court costs, bail bonds and medical services. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Honda CR-V.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

A little work can save a LOT of money

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

Cheap 2014 Honda CR-V insurance is available on the web and with local insurance agents, so compare prices from both to have the best selection. There are still a few companies who do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you many ways to save on insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from a smaller regional carrier.

To learn more, feel free to browse the articles below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors affect the cost of insurance for a 2014 Honda CR-V?

Several factors can influence the cost of insurance for a 2014 Honda CR-V. These factors include your age, driving history, location, credit score, coverage options, deductible amount, and the insurance company’s own pricing algorithms. Additionally, the cost can vary depending on the level of coverage you choose and any applicable discounts you may be eligible for.

How can I find the cheapest insurance rates for a 2014 Honda CR-V?

To find the most affordable insurance rates for a 2014 Honda CR-V, you can follow these steps:

  1. Shop around: Obtain quotes from multiple insurance companies to compare their rates and coverage options.
  2. Consider coverage levels: Evaluate your needs and choose coverage levels that are appropriate for your situation. Opting for higher deductibles can sometimes lower your premiums, but make sure you can afford the deductible in case of a claim.
  3. Maintain a good driving record: Insurance companies often offer lower rates to drivers with a clean driving history, so drive safely and avoid traffic violations.
  4. Look for discounts: Inquire about available discounts, such as multi-policy discounts, good student discounts, or safe driver discounts, as they can help reduce your insurance costs.
  5. Explore usage-based insurance: Some insurance providers offer programs where they monitor your driving habits using a telematics device or mobile app. If you have safe driving habits, this can lead to potential discounts.
  6. Check for loyalty discounts: If you already have an existing insurance policy with a company, they may offer loyalty discounts if you add your Honda CR-V to the same policy.

Are there specific insurance companies known for offering lower rates on 2014 Honda CR-V coverage?

Insurance rates can vary significantly between companies, and the most affordable option for one person may not be the same for another. It’s advisable to compare quotes from multiple insurance providers to find the best rates for your specific circumstances. Some insurance companies that are commonly known for offering competitive rates include Geico, State Farm, Progressive, Allstate, and Farmers Insurance. However, it’s always a good idea to research and obtain quotes from various insurers to ensure you’re getting the best deal.

Can I save money on insurance for a 2014 Honda CR-V by reducing coverage?

While reducing your coverage levels may lower your insurance premiums, it’s essential to carefully consider the potential risks and financial consequences. Lowering your coverage could leave you vulnerable to significant expenses in case of an accident or other incidents. It’s recommended to strike a balance between affordable premiums and adequate coverage. Additionally, discussing your needs and concerns with insurance agents can help you determine the right coverage levels for your situation.

Are there any specific safety features in the 2014 Honda CR-V that could potentially lower insurance costs?

The 2014 Honda CR-V comes equipped with several standard safety features that may help lower insurance costs. These features include anti-lock brakes (ABS), stability control, front-seat side airbags, side curtain airbags, and a rearview camera. Insurance companies often consider these safety features positively and may provide discounts or lower rates due to the reduced risk of accidents and injuries.

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