Best Cheap Insurance for a Honda CR-V in Washington
Enter your Washington zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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Your ability to find cheap car insurance for a Honda CR-V in Washington depends upon a lot of factors like annual vehicle mileage, if you have a coverage lapse, and any prior driving offenses. Drivers will pay on average $920 every 12 months to buy Honda CR-V insurance, but that price is an estimate assuming a 40-year-old single male driver who requires full comprehensive and collision coverage and $100 policy deductibles.
It’s highly likely that you are not exactly 40 years old and possibly not even male, possibly married instead of single, and you don’t want the same coverages and limits as the example. Just a very minor change in price quote data can generate big changes in how much coverage for a Honda CR-V costs.
Auto insurance is unique to each driver, so the most reliable method for finding the cheapest coverage for your Honda is to get into the habit of shopping around regularly.
The trim level of your vehicle has an effect on the yearly cost, so the price you pay to insure a CR-V LX 2WD model will be $32 less than the insurance cost for the more costly CR-V EX-L 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$216||$432||$304||$18||$90||$1,060||$88|
|CR-V EX 2WD||$216||$432||$304||$18||$90||$1,060||$88|
|CR-V LX 4WD||$216||$432||$304||$18||$90||$1,060||$88|
|CR-V EX 4WD||$248||$432||$304||$18||$90||$1,092||$91|
|CR-V EX-L 2WD||$248||$432||$304||$18||$90||$1,092||$91|
|CR-V EX-L 4WD||$248||$432||$304||$18||$90||$1,092||$91|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in Washington location which can revise premium rates substantially.
Deciding which companies offer the best car insurance rates for a Honda CR-V will involve a little more effort in order to find the lowest price.
Every insurance company used slightly different criteria for filing rates in each state, so we will examine the car insurance companies that tend to have lower prices in Washington. It’s important to understand that Washington car insurance rates are based on many factors that can increase the price you have to pay. Simply having another birthday, marrying your spouse, or getting caught speeding may prompt premium changes resulting in some rates now being cheaper than others.
Capital may have some of the best car insurance rates in Washington at around $761 per year. Grange, Nationwide, PEMCO, and Mutual Enumclaw also make the cut as some of the cheapest Washington car insurance companies.
As the example above demonstrates, if you are a customer of PEMCO and switched to Capital, you might realize a yearly savings of about $233. Washington drivers with Mutual Enumclaw may save as much as $273 a year, and Travelers policyholders might lower prices by $277 a year.
If you want to see how much you could save, click here to start your custom quote or click through to the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Bear in mind that those premiums are averaged across all insureds and vehicles and are not factoring in a specific rate value for a Honda CR-V. So the company that can offer the best rates for your situation may not even be in the above list. That helps illustrate why you need to get quotes using your own driver information and specific vehicle type.
Full coverage rates compared to liability-only
Finding the best cheap insurance for a Honda CR-V in Washington is important to the majority of drivers, and one of the quickest ways to find cheaper insurance is to only buy liability insurance. The information below shows the difference between insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Washington. The costs are based on no claims or driving citations, $250 deductibles, drivers are single, and no discounts are applied.
If averaged for all ages, comprehensive and collision coverage on your policy costs $1,589 per year over having just liability coverage. Many people question if paying for full coverage is a waste of money. There is no definitive rule that works best for making the decision to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
Why you should be comparing rates
Washington car insurance rates are determined by lots of factors which can substantially change the price of your policy. Simply improving your credit, having a teenage driver, or getting a speeding ticket can produce rate changes resulting in some rates now being more affordable than competitors.
Also, insurers file new rates as often as every three months in order to be able to pay unexpected claims. A period of increased losses can result in higher priced premiums, while lower claim expenses can cause cheaper CR-V insurance rates.
The graph below shows the company with the cheapest car insurance in Washington for a 35-year-old female driver with no accidents or violations, and excellent credit. If we look at prices based on her current risk profile, Capital offers the most affordable car insurance rates in Washington at $784 per year. This is $628 less than the average premium paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Mutual Enumclaw are the rest of the cheapest Washington auto insurance companies.
In this example, we will give the driver from the first example an accident surcharge, a lower credit rating, and a traffic ticket or two. Due to the fact that each insurance company has a unique formula to determine rates, comparing rates will most likely result in a slightly different list of companies as shown below.
The Hartford now has the cheapest car insurance in Washington with USAA, Chubb, Allied, and California Casualty now being in the top five. This example illustrates why consumers need to spend some time comparing rates when trying to get affordable insurance quotes for a Honda CR-V. Insurance prices can be altered by many things and can decrease or increase without notice, so the cheapest option the last time you shopped around may now cost much more than other companies.
How to find cheaper car insurance for a Honda CR-V
The list below summarizes some of the better penny-pinching solutions that can help Washington drivers locate cheap car insurance.
- Do not get into accidents that are your fault
- Drive vehicles with five-star safety ratings
- Too many claims can make car insurance unaffordable
- Buying home and auto insurance together can earn discounts
- Just one traffic violation will increase your rates
- Look for cheaper rates once a year by shopping around
The last tip is highly crucial, as was discussed in the prior information. Insurance rates go up and down frequently, so don’t be hesitant to switch carriers if a better deal can be had. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that dedication is costing a lot of money. Spend a few minutes and compare prices to find cheaper auto insurance for a Honda CR-V.
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