2015 Honda CR-V Insurance Rates
Average insurance rates for a 2015 Honda CR-V are $1,102 a year including full coverage. Comprehensive insurance costs an estimated $240 a year, collision costs $362, and liability insurance costs $364. Buying a liability-only policy costs as little as $416 a year, with high-risk insurance costing $2,366 or more. Teenage drivers receive the highest rates at $4,140 a year or more.
Annual premium for full coverage: $1,102
Rate estimates for 2015 Honda CR-V Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 40-year-old driver, prices range go from as low as $416 for basic liability insurance to a high of $2,366 for high-risk insurance.
These differences highlight why it is important for drivers to compare rates for a targeted area and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2015 Honda CR-V Insurance
Trying to find lower insurance rates for your Honda CR-V? Have you fallen victim to high-priced insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as GEICO, Progressive and Allstate constantly bombard you with TV and radio ads and consumers find it hard to ignore the propoganda and find the best price available.
Comparison of Insurance
There are a variety of methods to compare 2015 Honda CR-V insurance quotes, and some are less time-consuming than others. You could spend your day driving to agents in your area, or you could save time and use the web to get rates in a matter of minutes.
Most of the best insurance companies participate in an industry program where insurance shoppers submit one quote, and every company can give them a price for coverage. This eliminates the need for form submissions to each individual insurance company.
To find out how much you can save on insurance click here to start a free quote.
Recommended Companies for the Best Insurance Rates
The only drawback to using this type of system is you cannot specify the providers you want pricing from. If you would rather choose specific insurance companies to compare, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.
Which method you use is up to you, but make sure you use identical coverages for each comparison quote. If your comparisons have different liability limits you can’t possibly find the best deal for your Honda CR-V.
Save $389 a year. For real?
Consumers constantly see and hear ads for cheaper car insurance from the likes of GEICO, State Farm and Progressive. All the ads make an identical promise about savings if you move your coverage to them.
How do they all make almost identical claims?
All companies have a certain “appetite” for the right customer that earns them a profit. An example of a preferred risk might be over the age of 50, has no prior claims, and has great credit. A customer who fits that profile gets the lowest rates and most likely will save when they switch companies.
Consumers who are not a match for the requirements must pay higher prices and this can result in the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save money. That is how insurance companies can make the claims of big savings.
This illustrates why you should compare as many rates as you can. It’s not possible to predict which company will provide you with the cheapest Honda CR-V insurance rates.
Don’t miss out on these money-saving discounts
Properly insuring your vehicles can get expensive, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be inquired about prior to receiving the credit. If you don’t get every credit you deserve, you are throwing money away.
- Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
- Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
- One Accident Forgiven – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
- Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
- New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
- Service Members Pay Less – Being deployed with a military unit could mean lower rates.
- Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.
- Organization Discounts – Affiliation with a professional or civic organization may earn a discount on your policy on CR-V insurance.
Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce the cost of coverage.
Insurance companies that possibly offer these benefits include:
It’s a good idea to ask each insurance company which discounts they offer. Some discounts may not be available in every state.
Do I need special coverages?
When choosing coverage, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.
- Does coverage extend to my business vehicle?
- What is UM/UIM insurance?
- When can my company non-renew my policy?
- Does insurance cover tools stolen from my truck?
- When can I cancel my policy?
- Is pleasure use cheaper than using my 2015 Honda CR-V to commute?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.
Car insurance coverage information
Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.
Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as nursing services, X-ray expenses and funeral costs. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Collision coverage – This coverage pays for damage to your CR-V resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like backing into a parked car, scraping a guard rail, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.
Liability coverage – Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for things like funeral expenses, medical services, medical expenses and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.
Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they 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 only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.
Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a broken windshield, hitting a bird, hitting a deer, theft and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
More quotes mean more savings
We just covered many ways to reduce 2015 Honda CR-V insurance prices online. The key concept to understand is the more you quote, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.
Discount insurance is available both online as well as from independent agents, so compare prices from both to have the best selection. Some insurance coverage companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.
For more information, take a look at the following helpful articles:
- Auto Insurance FAQ (Farmers Insurance)
- Get the Right Protection (InsureUonline.org)
- How to Avoid Common Accidents (State Farm)
- Teen Driver Licensing Information (iihs.org)
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,740|
|Los Angeles, CA||$1,884|
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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||$76|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.