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.
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.
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.
|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.
|Rank||Company||Cost Per Year|
|Find Cheaper Rates Go|
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.
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
Insurance 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.
|Discount||Progressive||Allstate||Geico||State Farm||Nationwide||Liberty Mutual||Farmers|
|Paid in full||Yes||Yes||Yes||No||Yes||Yes||Yes|
|Use seat belts||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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