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Cheap Insurance for a Honda CR-V in Florida

Whether or not you can find cheap auto insurance for a Honda CR-V in Florida is dependent upon a lot of different factors such as whether you are a new or experienced driver, if you have a coverage lapse, and if you have any chargeable driving offenses. Drivers on average will pay $910 each year for CR-V insurance, but that figure is a valuation using cost data for a 50-year-old married female driver with comprehensive and collision coverage and $250 policy deductibles.

There’s a high likelihood you are not 50 and maybe not even a female, single instead of married, or maybe your driving record has a blemish or two. Each driver’s needs are different, and that demonstrates why your best chance at finding affordable rates for your Honda is to take your time and compare rates from as many companies as possible. Compare rate quotes now and you will be able to see rates from some of the most affordable companies around.

Find Cheaper Honda CR-V Insurance

Vehicle trim level will likely have an effect on the cost of coverage, so the price to insure a CR-V LX 2WD model will be $32 lower than the cost to insure the high end CR-V EX-L 4WD model, as demonstrated by the prices below.

Honda CR-V Insurance Rates in Florida
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
CR-V LX 2WD$216$370$334$20$100$1,040$87
CR-V EX 2WD$216$370$334$20$100$1,040$87
CR-V LX 4WD$216$370$334$20$100$1,040$87
CR-V EX 4WD$248$370$334$20$100$1,072$89
CR-V EX-L 2WD$248$370$334$20$100$1,072$89
CR-V EX-L 4WD$248$370$334$20$100$1,072$89
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes substantially.

Comparing rates for budget insurance is difficult, and determining which company quotes the most affordable insurance rates for a Honda CR-V involves even more work. Every insurance provider uses their own calculation for filing rates in each state, so first we will examine the insurance companies with the most affordable rates in Florida.

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Rankings for the cheapest car insurance companies in Florida
RankCompanyCost Per Year
9State Farm$2,068
1221st Century$2,373
14Windhaven Insurance$2,653
17Liberty Mutual$3,009
19United Automobile$3,562
20Direct General$4,022
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USAA may offer some of the best car insurance rates in Florida at around $957 annually. Amica, Electric, Progressive, and Travelers also qualify as some of the cheaper Florida car insurance companies.

As shown in the table above, if you are a policyholder with Amica and switched to USAA, you could earn a yearly savings of about $755. Insureds with Electric might save as much as $789 a year, and Progressive customers might realize rate reductions of up to $818 a year.

Be aware that those policy prices are averaged across all ages of drivers and types of vehicles and do not factor in a specific rate factor for a Honda CR-V. So the insurer that has the cheapest price for you may not even be shown in the company chart above. That emphasizes why you need to get auto insurance quotes using your own driver information and specific vehicle type.

Types of discounts on Florida insurance

Discounts on insurance for a Honda CR-VInsurance providers that provide cheap insurance for a Honda CR-V in Florida may additionally offer rate discounts that may potentially lower prices by as much as 35% or more if you meet specific criteria. Companies and a summarized list of policyholder discounts are outlined below.

  • American Family offers discounts including multi-vehicle, early bird, accident-free, Steer into Savings, good driver, TimeAway discount, and mySafetyValet.
  • Nationwide includes discounts for family plan, good student, defensive driving, business or organization, and Farm Bureau membership.
  • MetLife has discounts for accident-free, good student, multi-policy, defensive driver, claim-free, and good driver.
  • 21st Century may have discounts that include early bird, theft prevention, homeowners, anti-lock brakes, and teen driver.
  • Farmers Insurance offers discounts for homeowner, electronic funds transfer, switch companies, business and professional, alternative fuel, and youthful driver.
  • Allstate policyholders can earn discounts including early signing, premier discount, multi-policy, anti-lock brakes, 55 and retired, utility vehicle, and teenSMART discount.

The information below illustrates the comparison of insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no claims or violations, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, defensive driving course, homeowner, vehicle safety, marriage, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for a Honda CR-V is 28% or $615.

Which car insurance company is best?

When researching insurance for a CR-V in Florida, the first places to look would be Geico, Progressive, Allstate, and State Farm. The next table rates some of the different options and features that may be available in Florida.

Largest U.S. Car Insurance Company Ratings
GeicoProgressiveAllstateState Farm
Discounts Available2nd4th1st3rd
Price Rank1st3rd4th2nd
Customer Satisfaction1st3rd2nd4th
Claims Service3rd4th1st2nd
Percent of U.S. market11.4%8.8%10%18.3%
New car replacement insuranceNoNoYesNo
Emergency roadside assistanceYesYesYesYes
Mechnical breakdownYesYesNoNo
Rate for vehicle usageNoYesYesYes
Coverage for ridesharingYesYesYesYes
Accident forgiveness coverageYesYesYesNo
Available in FloridaYesYesYesYes
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Who has the cheapest Honda CR-V insurance quotes?

Drivers have a lot of ways to find cheaper insurance in Florida, but the most prevalent are through a non-exclusive or independent agent, an exclusive insurance agent like Liberty Mutual or State Farm, or from a direct company like Geico. You can use whichever method you prefer, but buyers should know the differences in how they provide price quotes.

Independent insurance agencies have contracts with many companies and can get rate quotes from each one. These agents will provide you with more rates, which may provide you with improved odds of finding cheaper coverage. If they quote lower rates, the agent simply finds a different carrier and you don’t have to do anything.

An agent who is captive is limited to just one company, a couple examples are State Farm and Auto-Owners agents. They usually cannot place coverage with different providers, so if prices are high they cannot provide alternatives.

Insurance from a direct company means you bypass local agents and instead buy buying direct from a company like Geico or Progressive. Buying insurance direct can be a good choice for families who have limited assets and have an above average understanding of the limitations of insurance.

Which method works best to find cheap insurance for a Honda CR-V in Florida? We’d like to tell you shopping direct results in the best prices since there is no middleman, but unfortunately, it’s not that cut and dried. And we’d like to say using an independent agent saves the most money due to having more companies to select from, but that assumption is also not necessarily accurate. In many cases, exclusive agents have price quotes well below independent agents AND direct companies.

Because it’s impossible to say who has the best insurance rates, the best way to buy the cheapest policy is to compare rate quotes from as many companies as possible. Smart shoppers will get prices from all three types to have enough rates to compare. For a list of companies with cheap rates in Florida, click here to view.

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