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How Much is Insurance for a Honda CR-V in West Virginia?

Enter your West 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 15, 2019

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Our content editors always give us grief that when writing about car insurance, the word affordable shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap auto insurance for a Honda CR-V may be a thing of the past. Don’t let that discourage you, because we are going to tell you how you can still get insurance that you can fit into your budget.

The chances of buying the best cheap coverage for a Honda CR-V in West Virginia relies on a complex formula that factors things such as if you rent or own your home, your credit status, and the deductible amount you use. Drivers in West Virginia pay on average $960 annually to insure their CR-V, but that figure is a ballpark figure that uses rate data for a 40-year-old single female with full physical damage coverage and $500 physical damage deductibles.

It’s more than likely that you aren’t exactly 40 years old or even a female, maybe you are married instead of single, and you don’t want the same coverages and limits as the example. Changing even a minor factor in policy rating factors can cause significant differences in the price of coverage.

Not everyone needs the same coverages, so the most reliable way to find cheap auto insurance rates for your Honda is to shop your policy around every couple of years.

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

Your vehicle’s trim level will influence price, so the price you will pay to insure a CR-V LX 2WD will be $30 cheaper than the cost to insure the more expensive CR-V EX-L 4WD model, as shown by the rates below.

Honda CR-V Insurance Rates in West Virginia
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $192 $358 $406 $24 $122 $1,102 $92
CR-V EX 2WD $192 $358 $406 $24 $122 $1,102 $92
CR-V LX 4WD $192 $358 $406 $24 $122 $1,102 $92
CR-V EX 4WD $222 $358 $406 $24 $122 $1,132 $94
CR-V EX-L 2WD $222 $358 $406 $24 $122 $1,132 $94
CR-V EX-L 4WD $222 $358 $406 $24 $122 $1,132 $94
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in West Virginia location which can change price quotes substantially.

Deciding which company has the cheapest insurance rates for a Honda CR-V involves a tad more effort in order to find the lowest price. Each insurance company has their own process for determining rates, so we need to take a look at the most competitive insurance companies in West Virginia.

It’s important that readers know that West Virginia insurance rates are calculated based on many things that control the cost of your policy. Simply having another birthday, buying a home instead of renting, or getting a couple of tickets can trigger rate changes that can cause some rates to be cheaper than others.

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

West Virginia car insurance ranked by cost per year
Rank Company Cost Per Year
1 Erie $940
2 The Hartford $1,029
3 State Auto $1,216
4 Westfield $1,301
5 USAA $1,313
6 Progressive $1,494
7 Nationwide $1,551
8 State Farm $1,553
9 Encompass $1,572
10 GEICO $1,744
11 California Casualty $1,788
12 Motorists Mutual $1,803
13 Safeco $1,803
14 Allstate $2,230
15 Liberty Mutual $3,308
16 Sentry $3,962
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Erie offers some of the best car insurance rates in West Virginia at around $940 annually. The Hartford, State Auto, Westfield, and USAA would also be considered some of the cheaper West Virginia auto insurance companies.

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In the above rates, if you are a customer of Westfield and switched to Erie, you could realize a yearly price reduction of upwards of $361. West Virginia drivers with USAA could save as much as $373 a year, and Progressive insureds might reduce prices by as much as $554 a year.

To find out how your current rates compare, click here or feel free to get quotes from the companies below.

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

Be aware that those policy rates are averages for all types of insureds and vehicles and do not factor in a specific rate factor for a Honda CR-V. So the insurer that fits your needs best may not even be included in the rate chart shown above. That illustrates why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

How to get discounts on West Virginia auto insurance rates

Cheaper West Virginia insurance for a CR-VInsurance companies that offer cheap insurance for a Honda CR-V in West Virginia could also offer discounts that could reduce prices by as much as 35% if you are eligible for them. Large insurance companies and some of their more popular discounts are included below.

Auto Insurance Discounts Available
Discount Progressive Allstate Geico State Farm Nationwide Liberty Mutual Farmers
Multi-policy Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes No Yes No
Passive restraint No Yes Yes Yes Yes Yes Yes
New car No Yes No Yes Yes No Yes
Green vehicle No Yes No No No Yes Yes
Accident-free Yes Yes Yes Yes Yes No Yes
Defensive driver Yes Yes Yes Yes Yes No Yes
Armed forces Yes No Yes Yes No No Yes
Employment No No Yes No Yes Yes Yes
Paid in full Yes Yes Yes No Yes Yes Yes
Automatic payment Yes Yes Yes No Yes Yes Yes
Loyalty Yes No No Yes Yes No Yes
Sign early No Yes No No Yes No Yes
Good grades Yes Yes Yes Yes Yes Yes Yes
Distant student Yes Yes No Yes Yes Yes Yes
Own home Yes No No No No No Yes
Use seat belts No No Yes No No No No
Quote online Yes No No No No No No
Teenage driver Yes No No No No Yes No
Government employee No No Yes No No No No
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The diagram below illustrates the difference between insurance rates with and without discounts. The premiums assume a male driver, a clean driving record, no at-fault accidents, West Virginia state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, marriage, homeowner, safe-driver, anti-theft, and claim-free discounts applied. When discounts are factored in, the average savings per year on insurance for a Honda CR-V is % or $.

Careless driving habits raise West Virginia insurance rates

The easiest way to get the best insurance rates in West Virginia for a CR-V is to drive safe and avoid accidents and violations. The diagram below demonstrates how traffic citations and accidents can drive up insurance costs for different age categories. The data assumes a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.

In the example above, the average cost of auto insurance per year with no violations or accidents is $1,832. Get written up for two speeding tickets and the average cost swells to $2,458, an increase of $625 each year. Now add two accidents along with the two speeding tickets and the annual cost of insurance for a Honda CR-V jumps again to an average of $4,764. That’s an increase of $2,932, or $244 per month, just for not being a responsible driver!

Find cheap insurance for a Honda CR-V in West Virginia

It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help drivers quote more affordable auto insurance.

  • Drop full coverage on older vehicles
  • Avoid filing excessive claims
  • Avoid preventable accidents
  • Raise deductibles
  • Violations like speeding or DUI increase rates
  • Shop around for cheaper prices often

The last tip in the list is highly necessary, as was discussed in this article. Rates vary greatly, so drivers shouldn’t be resistant to buy a policy from a new company if you can find a cheaper rate. Staying with the same company for years is fine, but it’s not recommended if that stubbornness costs you hundreds every year. Take a couple minutes and compare rates to find cheaper insurance for a Honda CR-V.

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

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