How Much are Insurance Quotes for a Honda CR-V in Arkansas?
Enter your Arkansas zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 5, 2019
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Whenever people write about car insurance, the words “cheap” or “affordable” really should not be used anywhere in the article to describe car insurance prices. Sad but true, cheap auto insurance for a Honda CR-V is just plain contradictory. Don’t let that get you down, though, because we are going to tell you how you can still get coverage that may not be cheap, but it is affordable.
Whether or not you can find cheaper auto insurance for a Honda CR-V in Arkansas relies on a fairly complex equation with a lot of factors like your marital status, if you have ever had a coverage lapse, and deductible levels for physical damage coverage. Drivers in Arkansas pay around $840 a year for CR-V insurance, but that cost is a valuation calculated based on a 30-year-old single female that includes comprehensive and collision coverage and $1,000 physical damage deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not a 30-year-old female, possibly married instead of single, and maybe you want higher deductibles. There is no perfect policy for every driver, so your best chance at finding the cheapest rates for your Honda is to just compare rates yourself. Quotes only take a few minutes and you will receive rate quotes from top-rated car insurance companies in Arkansas.
The specific model of CR-V will influence the insurance rate, so the rate you will pay to insure a CR-V LX 2WD model will be $24 less expensive the insurance cost for the fancier CR-V EX-L 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$156||$280||$390||$24||$116||$966||$81|
|CR-V EX 2WD||$156||$280||$390||$24||$116||$966||$81|
|CR-V LX 4WD||$156||$280||$390||$24||$116||$966||$81|
|CR-V EX 4WD||$180||$280||$390||$24||$116||$990||$83|
|CR-V EX-L 2WD||$180||$280||$390||$24||$116||$990||$83|
|CR-V EX-L 4WD||$180||$280||$390||$24||$116||$990||$83|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arkansas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in Arkansas location which can impact insurance rates greatly.
Ratings for Arkansas car insurance companies
Buying coverage from the best auto insurance company can be difficult considering how many different companies insure vehicles in Arkansas. The ranking information listed below could help you decide which providers to look at shopping prices with.
The ratings below are only made up of companies who write in the majority of U.S. states, so companies that focus mainly on Arkansas business are not taken into consideration for the list. To check prices from the insurers below and more, click here.
Top 10 Major Car Insurance Companies in Arkansas Ranked by A.M. Best Rating
- Travelers – A++
- GEICO – A++
- State Farm – A++
- USAA – A++
- Nationwide – A+
- Allstate – A+
- The Hartford – A+
- Progressive – A+
- Esurance – A+
- The General – A-
Top 10 Major Car Insurance Companies in Arkansas Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- 21st Century
- The General
Top Companies for Honda CR-V Insurance in Arkansas
Enter your zip code below to view companies that have cheap auto insurance rates.
The example below illustrates how your choice of deductibles can raise or lower insurance costs when researching cheap insurance for a Honda CR-V. The premiums assume a single male driver, comp and collision included, and no policy discounts are applied.
A 50-year-old driver could lower their policy premium by $280 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $422 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could possibly save up to $916 every year by using a higher deductible. If you do raise deductibles, it will be important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Full coverage rates compared to liability only
Finding cheap insurance for a Honda CR-V in Arkansas is important to the majority of people, and an easy way to buy cheap insurance is to not buy full coverage. The diagram below illustrates the comparison of car insurance rates when comparing full coverage to liability only. The rates are based on no claims or violations, $500 deductibles, single status, and no additional discounts are factored in.
Averaged for all age groups, full coverage costs an extra $1,600 per year over liability only. That is a big expense that brings up the question if full coverage is worth the money. There is no clear-cut rule to stop paying for comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
Discounts on cheap insurance for a Honda CR-V in Arkansas
Auto insurance companies that offer quotes for a Honda CR-V could also offer special discounts that may potentially lower prices by as much as 25% or more if you meet the requirements. A list of companies and their possible discounts are detailed below.
- GEICO may include discounts for membership and employees, daytime running lights, driver training, defensive driver, seat belt use, and military active duty.
- Travelers offers premium reductions for new car, student away at school, multi-car, multi-policy, save driver, and payment discounts.
- Nationwide has discounts for easy pay, anti-theft, Farm Bureau membership, multi-policy, good student, business or organization, and defensive driving.
- Farmers Insurance discounts include mature driver, distant student, pay in full, good student, youthful driver, and teen driver.
- Esurance offers discounts for claim free, homeowner, good driver, DriveSense, defensive driver, and safety device.
- State Farm policyholders can earn discounts including safe vehicle, good driver, multiple policy, Steer Clear safe driver discount, accident-free, and Drive Safe & Save.
- Progressive may have discounts that include multi-policy, online quote discount, good student, homeowner, and online signing.
- Mercury Insurance has savings for good student, multi-car, professional/association, location of vehicle, age of vehicle, anti-theft, and good driver.
The chart below shows the comparison of insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no claims or driving citations, Arkansas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple policy, homeowner, marriage, safe-driver, anti-theft, and vehicle safety discounts applied. In this example, the average savings per year on car insurance for a Honda CR-V is 28% or $536.
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