Finding affordable car insurance for a Honda CR-V relies on a complex formula that considers things such as how you use your vehicle, whether or not you have filed claims in the past, and driving violations and tickets. Drivers in Arizona pay on average $876 annually to insure their CR-V, but that cost is a projection using a 40-year-old single female driver with full coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a female, you might be married instead of single, and you need different coverage limits than the sample rates. Everyone has unique insurance needs, and this illustrates why the only way to find affordable rates for your Honda is to compare as many rates as possible. Quotes only take a couple of minutes and you will get price quotes from some of the most affordable companies that insure vehicles in Arizona.
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The specific trim level can impact the cost of coverage, so the rate you will pay to insure a CR-V LX 2WD model will be $28 lower than the insurance cost for the higher-priced CR-V EX-L 4WD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $194 | $362 | $332 | $20 | $100 | $1,008 | $84 |
| CR-V EX 2WD | $194 | $362 | $332 | $20 | $100 | $1,008 | $84 |
| CR-V LX 4WD | $194 | $362 | $332 | $20 | $100 | $1,008 | $84 |
| CR-V EX 4WD | $222 | $362 | $332 | $20 | $100 | $1,036 | $86 |
| CR-V EX-L 2WD | $222 | $362 | $332 | $20 | $100 | $1,036 | $86 |
| CR-V EX-L 4WD | $222 | $362 | $332 | $20 | $100 | $1,036 | $86 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can change premiums substantially.
Finding reliable, cheap car insurance is confusing at best, and deciding which insurers offer the most affordable insurance rates for a Honda CR-V involves even more shopping around.
Every insurance company has a unique approach for determining rates, so first we will examine the most affordable insurance companies in Arizona. We do need to point out that Arizona insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay for coverage. That is why it is critical to compare lots of rates to find cheap insurance rates for a Honda CR-V. Insurance prices can be determined by many things and can decrease or increase without notice, so the most economical company the last time you shopped your coverage around may now be quite expensive.
Find Cheaper Car Insurance for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,184 |
| 9 | Allied | $1,209 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,378 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,461 |
| 18 | Amica | $1,473 |
| 19 | MetLife | $1,567 |
| 20 | California Casualty | $1,568 |
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The Hartford may have some of the best car insurance rates in Scottsdale at around $836 per year. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the more affordable Scottsdale, AZ insurance companies.
As shown in the rates above, if you currently have coverage with Safeco and switched to The Hartford, you may realize a yearly savings of in the vicinity of $87. Customers with USAA could save as much as $244 a year, and Travelers customers might reduce prices by as much as $272 a year.
Be aware that those premiums are averages across all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location for a Honda CR-V. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver data and vehicle information.
Types of discounts on Scottsdale car insurance
Insurers that provide policies for a Honda CR-V may provide special discounts that could potentially reduce rates by 35% or more if you meet the requirements. Popular insurance companies and their possible discounts are outlined below.
- GEICO has savings for daytime running lights, military active duty, emergency military deployment, driver training, and anti-lock brakes.
- Travelers policyholders can earn discounts including driver training, payment discounts, hybrid/electric vehicle, save driver, early quote, multi-car, and IntelliDrive.
- Farm Bureau offers discounts including multi-vehicle, youthful driver, multi-policy, 55 and retired, and driver training.
- Liberty Mutual has discounts for new graduate, newly married, multi-policy, hybrid vehicle, and teen driver discount.
- American Family offers discounts for good driver, early bird, mySafetyValet, multi-vehicle, TimeAway discount, Steer into Savings, and accident-free.
- Progressive may offer discounts for online signing, good student, homeowner, online quote discount, and multi-policy.
The example below illustrates the comparison of car insurance costs with and without policy discounts. The price estimates are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, claim-free, homeowner, safe-driver, and defensive driving course discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for a Honda CR-V is 28% or $372.
Here’s why you should compare rates often
Arizona insurance rates are calculated based on many things that control the price of your policy. Simply having another birthday, having a teenage driver, or getting a couple of tickets can produce rate changes that can cause some rates to be much cheaper than others.
Not only may things change on your end, but insurance companies amend premium rates without warning in order to maintain liquidity for claims. Larger than normal claims can result in rate hikes, while lower claims may result in cheaper CR-V insurance rates.
To illustrate this example, the bar chart below analyzes the cheapest car insurance in Scottsdale, AZ for a 45-year-old male driver with a clear driving record, no claims, and a good credit rating. Based on his personal profile, The Hartford might quote the cheapest car insurance rates in Scottsdale at $1,085 annually. This is $343 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the most affordable Scottsdale, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example an accident claim, slightly worse credit, and a traffic ticket or two. Since each auto insurer uses a different method to determine rates, comparing rates could result in a substantially altered list of companies as shown below.
Ameriprise Group now has the cheapest car insurance in Scottsdale, AZ with GEICO, Allied, Auto-Owners, and CSAA now rounding out the top five. This example demonstrates why Scottsdale drivers need to shop around with many companies when trying to get the most budget-friendly car insurance rates for a Honda CR-V.
Car insurance prices can be altered by many factors and change substantially, so the most economical company six months ago may now cost much more than other companies.