Cheap Insurance for a Honda CR-V in Pennsylvania

The chances of finding cheaper auto insurance for a Honda CR-V in Pennsylvania is dependent upon a complex calculation that is influenced by things such as how many years you have been driving, your occupation, and the level of deductible you choose. Drivers pay on average $920 every 12 months to buy Honda CR-V insurance, but that price is an estimate calculated based on a 50-year-old single female driver that wants comprehensive and collision coverage and $100 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 50 years old or even a female, married instead of single, or maybe you just want to insure for liability only. Making minor changes in the factors used in pricing a policy may result in significant differences in the policy cost.

Every driver has a different risk profile, so the way we recommend to find affordable rates for your Honda is to take your time and compare rates from as many companies as possible. To cut your rates now, get a free quote and you will be able to see rates from top-rated companies that offer coverage in Pennsylvania.

Cheapest Honda CR-V Insurance Rates

Your vehicle’s trim level tends to impact price, so the price you will be charged to insure a CR-V LX 2WD model will be $32 cheaper than the insurance cost for the fancier CR-V EX-L 4WD model, as shown in the table below.

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in your specific Pennsylvania location which can modify coverage prices substantially.

Insuring your vehicle with the top car insurance company is difficult considering how many companies are available to choose from in Pennsylvania. The company ratings in the lists below can help you choose which coverage providers to look at when comparing insurance rates for a Honda CR-V.

These ratings include large insurance companies, so companies with more of a regional focus are not factored into the list. If you wish to compare rates from these top-rated insurers and more, click this link.

Top 10 Large Auto Insurance Companies in Pennsylvania Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top 10 Large Auto Insurance Companies in Pennsylvania Ranked by Customer Service

1. Titan Insurance
2. The Hartford
3. American Family
4. Progressive
5. USAA
6. Travelers
7. State Farm
8. GEICO
9. Erie Insurance
10. Allstate

Top Companies for Honda CR-V Insurance in Pennsylvania

The example below shows how choosing a deductible can influence yearly insurance costs when researching cheap insurance for a Honda CR-V. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2855,2607,2331,2065],[‘Age 30’, 1519,1387,1229,1077],[‘Age 40’, 1455,1333,1189,1051],[‘Age 50’, 1327,1219,1089,965],[‘Age 60’, 1303,1195,1067,947],[‘Age 70’, 1485,1367,1235,1109]]);var options = {title: ‘Comparison of Deductible Levels and Honda CR-V Insurance Rates in Pennsylvania’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 30-year-old driver could save $266 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $404 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save $790 annually just by choosing higher deductibles when buying full coverage. When raising deductibles, it is essential to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Insurance rate increases from tickets or accidents

The easiest method to obtain the cheapest car insurance rates for a CR-V is to be a careful driver and avoid accidents and keep your driving record clean. The example below demonstrates how speeding tickets and fender-benders can affect insurance costs for different insured age categories. The price estimates are based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2081,2697,3317],[‘Age 30’, 1461,2077,2693],[‘Age 40’, 1441,2059,2675],[‘Age 50’, 1267,1883,2499],[‘Age 60’, 1207,1823,2439],[‘Age 70’, 1293,1911,2529]]);var options = {title: ‘Effect of Tickets and Claims on Pennsylvania Honda CR-V Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Pennsylvania’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance in Pennsylvania per year with no violations or accidents is $1,458. Get written up for two speeding tickets and the average cost increases to $2,075, an increase of $617 each year. Then throw in one accident along with the two speeding tickets and the annual cost of car insurance for a Honda CR-V goes up to an average of $2,692. That’s an increase of $1,234, or $103 per month, just for not driving carefully!