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Best Cheap Insurance Quotes for a Honda CR-V in Virginia

Enter your Virginia zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 14, 2019

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Because the topic is auto insurance, the word “cheap” should not appear as a descriptor for auto insurance rates. It’s just reality that cheap car insurance for a Honda CR-V can be difficult to find. But don’t despair, because we can show you some ways you can quote insurance that most people can afford.

The chances of finding cheaper auto insurance for a Honda CR-V in Virginia is contingent on a lot of rating factors like how far you drive to work, the condition of your credit, and whether or not you are a good driver. Virginia drivers on average pay approximately $720 every 12 months to insure a CR-V, but that cost is a ballpark figure that rates a 30-year-old single female driver that purchased both comprehensive and collision coverage and $500 physical damage deductibles.

The issue with using an average estimated rate is the likelihood you may not be 30 years old (or even female), married instead of single, or maybe you live in a different part of Virginia than the example. There is no one cookie-cutter policy that works for everyone, so your best shot at finding cheap auto insurance rates for your Honda is to do your own rate comparisons. It only takes a few minutes and you can get prices from the best auto insurance companies that offer coverage in Virginia.

Enter your zip code below to view companies that have cheap auto insurance rates.

Your Honda’s trim level tends to have a direct effect on the cost of coverage, so the price you will pay to insure a CR-V LX 2WD will be $24 cheaper than the price to insure the more expensive CR-V EX-L 4WD model, as shown below.

Honda CR-V Insurance Rates in Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $156 $274 $296 $18 $88 $832 $69
CR-V EX 2WD $156 $274 $296 $18 $88 $832 $69
CR-V LX 4WD $156 $274 $296 $18 $88 $832 $69
CR-V EX 4WD $180 $274 $296 $18 $88 $856 $71
CR-V EX-L 2WD $180 $274 $296 $18 $88 $856 $71
CR-V EX-L 4WD $180 $274 $296 $18 $88 $856 $71
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in zip code location which can affect auto insurance rates greatly.

Finding decent, reasonably-priced car insurance is not the easiest thing to accomplish, and deciding which insurers offer the lowest-priced auto insurance rates for a Honda CR-V requires a bit more work. Every auto insurer has a unique formula to set premium rates, so we’ll go over the most budget-friendly auto insurance companies in Virginia.

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It’s important that readers know that Virginia auto insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Improving your credit rating, buying a new vehicle, or getting a ticket for running a stop sign may prompt premium changes resulting in some rates now being more affordable than others.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest car insurance companies in Virginia
Rank Company Cost Per Year
1 Travelers $653
2 USAA $716
3 Penn National $718
4 Cincinnati Insurance $755
5 Utica National $758
6 The Hartford $777
7 Erie $780
8 Auto-Owners $788
9 Virginia Farm Bureau $826
10 Donegal Mutual $878
11 Nationwide $935
12 Allied $982
13 ALFA $988
14 GEICO $996
15 National Grange Mutual $1,104
16 Chubb $1,112
17 State Farm $1,132
18 Electric $1,216
19 Progressive $1,222
20 California Casualty $1,239
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Travelers offers some of the cheapest car insurance rates in Virginia at around $653 a year. USAA, Penn National, Cincinnati Insurance, and Utica National are also some of the cheaper Virginia car insurance companies.

As the rates illustrate above, if you buy coverage from Cincinnati Insurance and switched to Travelers, you may realize a yearly price reduction of approximately $102. Drivers with Utica National might save as much as $105 a year, and The Hartford policyholders might reduce rates by $124 a year.

If you would like to find the best cheap insurance for a Honda CR-V in Virginia, click here or visit several of the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

Bear in mind that those policy prices are averages across all insureds and vehicles and and are not calculated with a specific rate value for a Honda CR-V. So the insurer that fits your age and vehicle best may not even be shown in the above list. That emphasizes why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

The chart below highlights how deductible selection can increase or decrease insurance premiums when trying to find cheap insurance for a Honda CR-V. The data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.

The data above shows that a 50-year-old driver could pocket $180 a year by increasing from a $100 deductible up to a $500 deductible, or save $272 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could shave as much as $598 each year by choosing a larger deductible amount. When choosing a higher deductible, it is necessary to have spare funds to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

State Farm, Geico, Allstate, or Progressive: Who is best?

If you’re looking for the cheapest insurance for a CR-V, the top insurers to get price quotes from are State Farm, Geico, Allstate, and Progressive. When combined, they have 48.5% of all car insurance policies in America. The data below rates price, claims, and customer service ratings, as well as some optional coverages that may be available in your state.

Top U.S. Auto Insurance Company Ratings
State Farm Geico Allstate Progressive
Policy Discounts 3rd 2nd 1st 4th
Client Satisfaction 4th 1st 2nd 3rd
Price Ranking 2nd 1st 4th 3rd
Claims Rank 2nd 3rd 1st 4th
Uber and Lyft insurance Yes Yes Yes Yes
Accident forgiveness No Yes Yes Yes
Breakdown insurance No Yes No Yes
Usage-based rating Yes No Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
New car replacement coverage No No Yes No
Insure in Virginia Yes Yes Yes Yes
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