Finding competitive coverage for a Honda CR-V in Arizona relies on many factors such as whether you are married or single, the likelihood of vehicle theft, and any past driving violations you may have had. Drivers pay around $831 each year to insure their CR-V, but that figure is a valuation using a 30-year-old married male driver with full coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, and you might want liability-only or different deductibles. Even a minor difference in the rating criteria used to formulate rates may result in a big change in the cost of insurance for a Honda CR-V.
There is no perfect policy for every driver, so the way we recommend to find cheap insurance rates for your Honda is to compare rates from as many companies as possible.
The trim level of your vehicle tends to impact the insurance rate, so the price you will pay to insure a CR-V LX 2WD trim level will be $34 lower than the insurance cost for the high end CR-V EX-L 4WD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$224||$382||$254||$16||$76||$952||$79|
|CR-V EX 2WD||$224||$382||$254||$16||$76||$952||$79|
|CR-V LX 4WD||$224||$382||$254||$16||$76||$952||$79|
|CR-V EX 4WD||$258||$382||$254||$16||$76||$986||$82|
|CR-V EX-L 2WD||$258||$382||$254||$16||$76||$986||$82|
|CR-V EX-L 4WD||$258||$382||$254||$16||$76||$986||$82|
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Prices do not factor in specific zip code location which can affect coverage rates noticeably.
Comparing quotes for cost effective auto insurance is tough enough, and determining which companies offer the cheapest auto insurance rates for a Honda CR-V will require more quotes for comparison.
Each auto insurer uses a slightly different approach to set their prices, so we’ll go over the most budget-friendly auto insurance companies in Tucson, AZ. It’s important that you understand Arizona auto insurance rates are impacted by many factors which can substantially change the cost of having a policy. Simply having a birthday, marrying your spouse, or getting a ticket for careless driving can produce rate changes that can make some companies cheaper in comparison to the competition.
Find Cheaper Auto Insurance for Your Honda
The Hartford may have some of the lowest car insurance rates in Tucson at around $811 annually. Auto-Owners, Safeco, USAA, and Travelers also are some of the lowest-priced Tucson, AZ insurance companies.
As the example above demonstrates, if you buy coverage from Safeco and switched to The Hartford, you may realize savings of in the neighborhood of $121. Insureds with USAA might save as much as $269 a year, and Travelers insureds might realize rate reductions of up to $275 a year.
Remember that these premium estimates are averaged for all insureds and vehicles and do not factor in a specific zip code for a Honda CR-V. So the auto insurance company that fits your needs best may not even be in the top 28 companies shown above. That emphasizes why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
Safe drivers pay less for auto insurance
The best way to get the best auto insurance prices in Tucson for a CR-V is to drive carefully and avoid accidents and traffic violations. The example below demonstrates how traffic citations and at-fault claims can raise insurance premiums for each age group. The data assumes a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,722. Get written up for two speeding tickets and the average cost rises to $2,283, an increase of $562 each year. Then throw in one accident along with the two speeding tickets and the annual cost of auto insurance for a Honda CR-V jumps again to an average of $2,847. That’s an increase of $1,125, or $94 per month, just for not driving safely!
Full coverage versus liability only rates
Saving money on auto insurance is important to most people, and an effective way to pay lower rates for insurance for a Honda CR-V is to not buy comprehensive and collision coverage. The example below visualizes the comparison of auto insurance costs with full coverage and liability only. The premiums assume no accidents or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
If averaged out across all ages, physical damage coverage costs an additional $1,616 per year over having just liability coverage. That is a large expense and it proposes the question if buying full coverage is worth the money. There is no clear-cut formula that works best for making the decision to drop full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
There are some situations where removing full coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
If you aren’t clear which coverage you need and would like to get help from a professional when comparing insurance rates for a Honda CR-V, the agencies below can probably help you make a decision which coverage fits your budget. To locate an agency closest to you, click the button at the bottom or click here to compare price quotes now.
- Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500
- ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700
- Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500
How to find low-cost auto insurance for a Honda CR-V
Lowering your rates is not difficult, and here are a few money-saving ideas that can help Tucson drivers buy cheaper car insurance.
- Prevent rate increases by staying accident-free
- Raise physical damage deductibles
- Good credit can save money
- Do not get traffic tickets
- Full coverage is expensive so only insure older vehicles for liability only
- Buy a car with high safety ratings
- Look for cheaper rates once a year by shopping around
The final tip is particularly necessary, as we hit on in this write-up. Auto insurance rates adjust often, so don’t be afraid to buy a different policy if a cheaper price is available.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that stubbornness costs you lots of hard earned cash every month. In just a few minutes you could shop around to find cheaper car insurance for a Honda CR-V in Tucson.