How Much is Insurance for a Honda CR-V in Tennessee?
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UPDATED: Nov 5, 2019
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When talking about auto insurance, the word “cheap” really shouldn’t be used as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap auto insurance for a Honda CR-V is almost non-existent. But don’t despair, because we will teach you how you can still get insurance that is more affordable.
The chances of finding affordable car insurance for a Honda CR-V in Tennessee is dependent upon a lot of factors like your date of birth, your credit status, and any past driving violations you may have had. Drivers on average will pay $910 a year to buy Honda CR-V insurance, but that cost is an estimate that uses rate data for a 30-year-old single female driver that includes full coverage and $250 physical damage deductibles.
It’s more than likely that you are not exactly 30 years old and possibly not even female, possibly married instead of single, or maybe you do not need full coverage. Auto insurance is unique to every driver, so the best way to quote cheap auto insurance rates for your Honda is to just take the time to compare rates yourself.
Your vehicle’s trim level will influence price, so the price you will pay to insure a CR-V LX 2WD will be $32 lower than the cost to insure the more expensive CR-V EX-L 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$216||$380||$332||$20||$100||$1,048||$87|
|CR-V EX 2WD||$216||$380||$332||$20||$100||$1,048||$87|
|CR-V LX 4WD||$216||$380||$332||$20||$100||$1,048||$87|
|CR-V EX 4WD||$248||$380||$332||$20||$100||$1,080||$90|
|CR-V EX-L 2WD||$248||$380||$332||$20||$100||$1,080||$90|
|CR-V EX-L 4WD||$248||$380||$332||$20||$100||$1,080||$90|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price information does not factor in vehicle garaging location which can influence coverage prices substantially.
Tennessee car insurance company ratings
Selecting a high-quality auto insurance company is hard considering how many companies there are to choose from in Tennessee. The ranking data shown below could help you pick which insurers you want to consider when buying insurance for a Honda CR-V.
The ratings below are for large nationwide companies, so smaller regional companies will not be included in this list. To view rates from these top insurers and more, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Discounts on cheap insurance for a Honda CR-V in Tennessee
Car insurance companies that provide policies for a Honda CR-V could also offer discounts that can reduce rates by as much as 35% if you are eligible. A few of the larger companies and a partial list of their discounts are shown below.
|Discount||Geico||Allstate||State Farm||Progressive||Liberty Mutual||Farmers|
|Paid in full||Yes||Yes||No||Yes||Yes||Yes|
|Own a home||No||No||No||Yes||No||Yes|
|Compare Rates Now Go|
The example below visualizes the comparison of auto insurance rates with and without discounts applied to the policy rates. The prices are based on a female driver, no claims, a clean driving record, Tennessee state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, homeowner, multiple vehicle, anti-theft, vehicle safety, and marriage discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Honda CR-V is % or $.
Liability-only versus full coverage
Finding cheap insurance for a Honda CR-V in Tennessee is the goal of the majority of drivers, and one of the best ways to lower the cost of insurance is to only buy liability coverage. The information below shows the comparison of auto insurance rates with and without full coverage. The data assumes no accidents or driving violations, $500 deductibles, drivers are single, and no policy discounts are applied.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs $1,366 per year more than just insuring for liability. That may make you wonder if you should buy full coverage. There is no clear-cut formula to stop paying for full coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s replacement value is $8,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,500 after paying the physical damage deductible. If you are paying in excess of $750 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Allstate vs Geico vs State Farm vs Progressive
If you want the best insurance for a CR-V in Tennessee, probably the best companies to start with are Allstate, Geico, State Farm, and Progressive. The table below compares some of the different options and features that may be available in Tennessee.
|Number of Discounts||1st||2nd||3rd||4th|
|Percent of customers who recommend||86%||87%||88%||88%|
|Rating from A.M. Best||A+||A++||A++||A+|
|New car replacement coverage||Yes||No||No||No|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|Coverage in Tennessee||Yes||Yes||Yes||Yes|
|Types of agents used||Allstate exclusive agents||From a Geico agent or online||State Farm-only agents||Online or from independent agents|
|Number of agents||11,000+||150+||18,000+||30,000+|
|Compare Prices Now Go|
Best cheap Honda CR-V insurance quotes
Drivers have a lot of different ways to shop around for car insurance in Tennessee, but the most common ways are using a captive (or exclusive) agent like Allstate or Auto-Owners, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico.
All three ways are similar, but car insurance shoppers should know the differences in how they function.
Independent insurance agents write business for many companies and can do rate comparisons with each one. They do not work for one specific company and can provide you with more rates, which may provide you with a better chance of finding cheaper coverage. If you are not satisfied with one company, an independent agent can move your coverage which makes it easier to save money.
A captive or exclusive agent is usually just provide rates from one company, a couple examples are an Auto-Owners or Allstate agent. This type of agents cannot provide prices from multiple companies, so unless you get quotes from other companies, you cannot determine which is cheapest.
Buying direct means you do not use an exlusive or independent agent and instead buy direct from companies such as Geico or Esurance. Shopping for car insurance direct is a good choice for people who do not have a lot of assets and know more than average about the exclusions of a policy.
So which of the methods works best for finding cheap insurance for a Honda CR-V in Tennessee? It would be obvious to point out buying direct saves money since that eliminates agent commissions, but unfortunately, it’s not that simple. It would also be easy to say buying car insurance from an independent agent is the best way since there are more companies to choose from, but again, that’s not a true statement. And sometimes, the exclusive agents have coverage prices well below independent agents AND direct companies.
Since car insurance rates vary so much, the best method to ensure you are not overpaying for car insurance is to compare rate quotes from as many companies as possible. The ideal approach is to get rate quotes from independent agents, exclusive agents, and direct companies to give yourself the best selection. To see some of the cheapest online companies available, click here to view.
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