How Much Does Insurance Cost for a Honda CR-V in Wyoming?

Our staff writers always rib each other than when writing about car insurance, the word “cheap” should never appear anywhere to describe car insurance rates. Be that as it may, cheap car insurance for a Honda CR-V is almost non-existent. Don’t let that bother you, though, because we can show you some ways you can still get car insurance that is more budget-friendly.

Buying the cheapest auto insurance for a Honda CR-V in Wyoming hinges on an enormous amount of factors like the number of years you have been driving, if you have a coverage lapse, and any prior driving offenses. Wyoming drivers on average pay approximately $890 annually for CR-V insurance, but that rate is an approximation based on rates for a 30-year-old single female driver that purchased full coverage including both comprehensive and collision and $1,000 policy deductibles.

It’s more than likely that you are not 30 and possibly not even female, possibly married instead of single, or maybe you have a teenager that needs to be on your policy. Just a slight difference in price quote data can produce large changes in the coverage rate.

Auto insurance is unique to every driver, so the most reliable method for finding the most affordable coverage for your Honda is to get into the habit of comparing rates once a year. Quotes only take a few minutes and you will receive prices from the best companies that sell coverage in Wyoming.

View Honda CR-V Insurance Rates

The trim level of your vehicle will likely have an effect on the insurance rate, so the price to insure a CR-V LX 2WD model will be $24 cheaper than the price to insure the more expensive CR-V EX-L 4WD model, as shown below.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific garaging location which can impact rates significantly.

Selecting the top car insurance provider is difficult considering how many companies are available to choose from in Wyoming. The company ratings in the next section could help you select which auto insurance companies you want to consider when comparing rates.

The ratings below include the largest auto insurers in America, so companies without a large exposure are not taken into consideration for these rankings. If you wish to compare rates from the most competitive companies in Wyoming, click here.

Top 10 Major Auto Insurance Providers in Wyoming Ranked by Claims Service

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

Top 10 Major Auto Insurance Providers in Wyoming Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. The General
5. State Farm
6. AAA Insurance
7. Nationwide
8. Esurance
9. 21st Century
10. Allstate

Top Companies for Honda CR-V Insurance in Wyoming

Discounts on cheap insurance for a Honda CR-V in Wyoming

Insurers that offer quotes for a Honda CR-V may provide special discounts that could potentially reduce rates by as much as 35% if you are eligible for them. Large auto insurance companies and a partial list of their discounts can be found below.

• Farmers Insurance includes discounts for mature driver, alternative fuel, early shopping, homeowner, and pay in full.
• Esurance has savings for Switch & Save, anti-theft, online quote, claim free, safety device, DriveSense, and online shopper.
• State Farm discounts include defensive driving training, student away at school, driver’s education, Drive Safe & Save, and safe vehicle.
• GEICO offers discounts including multi-policy, anti-theft, defensive driver, air bags, good student, daytime running lights, and military active duty.
• Allstate offers discounts for anti-theft, eSmart discount, 55 and retired, farm vehicle, economy car, resident student, and senior citizen.

The example below shows the difference between insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no driving violations, no at-fault accidents, Wyoming 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 anti-theft, multiple vehicle, claim-free, vehicle safety, safe-driver, and passive restraint discounts applied. With discounts applied, the the average yearly reduction on auto insurance for a Honda CR-V is 28% or $474.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2915,2103],[‘Age 30’, 1557,1133],[‘Age 40’, 1515,1101],[‘Age 50’, 1381,1005],[‘Age 60’, 1337,973],[‘Age 70’, 1635,1179]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Honda CR-V’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Wyoming’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Should you buy full coverage?

Finding cheap insurance for a Honda CR-V in Wyoming should be important to most drivers, and one common way to find cheap insurance is to not pay for full coverage. The information below shows the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Wyoming. Data assumes no claims, a clean driving record, $100 deductibles, marital status is single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3517,1085],[‘Age 30’, 1829,597],[‘Age 40’, 1809,553],[‘Age 50’, 1645,519],[‘Age 60’, 1589,509],[‘Age 70’, 1927,679]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Wyoming’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,053 per year more than insuring for liability only. That amount may make you wonder if you should buy full coverage. There is no exact rule for eliminating physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

There are some cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.

How to find more affordable insurance for a Honda CR-V

Lowering your rates is not difficult, and here are some penny-pinching suggestions that can help Wyoming drivers get more affordable coverage.

• Serious violations like DUI or reckless driving can increase rates dramatically
• Pay for smaller claims out-of-pocket
• Increase the comprehensive and collision deductibles on your policy
• Avoid accidents
• Higher credit scores can equal lower rates
• Save money by bundling your home and auto policies
• Compare price quotes at least once a year

That last tip is extraordinarily valuable, as we discussed in this write-up. Prices change a lot, so drivers shouldn’t be reluctant to change insurance companies if a cheaper price is available. Staying with the same car insurance company is fine, but it isn’t a good idea if that faithfulness ends up costing you lots of hard earned cash every month. In less than five minutes you could compare prices and find cheaper car insurance for a Honda CR-V.