2014 Honda CR-V Insurance Rates
Average insurance rates for a 2014 Honda CR-V are $1,088 a year including full coverage. Comprehensive costs around $226, collision insurance costs $350, and liability insurance costs around $376. Buying a liability-only policy costs as low as $426 a year, and high-risk insurance costs around $2,342. Teenage drivers receive the highest rates at up to $4,126 a year.
Annual premium for full coverage: $1,088
Rate estimates for 2014 Honda CR-V Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 driver in their 40's, prices range range from as low as $426 for just liability coverage to a much higher rate of $2,342 for a driver who has had serious violations or accidents.
These differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on average rates.
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Recommended Companies for Cheap 2014 Honda CR-V Insurance
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.
Recommended Companies for the Best Insurance Rates
A partial list of companies that may offer some of the above discounts may include but are not limited to:
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.
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:
- Drunk Driving Statistics (Insurance Information Insitute)
- Property Damage Coverage (Liberty Mutual)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Teen Driving Statistics (GEICO)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,716|
|Los Angeles, CA||$1,860|
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Need a specific model?
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$75|
|5-yr Claim Free||$69|
|Paid in Full/EFT||$46|
Discounts are estimated and may not be available from every company or in every state.