Cheap Insurance Quotes for a Honda CR-V in Washington

The odds of finding cheaper insurance for a Honda CR-V in Washington depends upon an enormous amount of factors like the mileage of your daily commute, the insurance company you are currently insured with, and any prior driving offenses. Washington drivers on average will pay $940 every 12 months to buy Honda CR-V insurance, but that amount is an estimate based on a 40-year-old single female that has comprehensive and collision coverage and $100 policy deductibles.

It’s highly likely that you are not a 40-year-old female, you might be married instead of single, or maybe you rent instead of own your home. Having different needs demonstrates why the most reliable way to find cheap auto insurance rates for your Honda is to shop around at every renewal for lower rates.

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The trim level of your vehicle can impact the cost of insurance, so the price you will pay to insure a CR-V LX 2WD model will be $32 less expensive the price to insure the higher-end CR-V EX-L 4WD model, as shown below.

Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific garaging location which can decrease or increase price quotes noticeably.

What is the best auto insurance company in Washington?

Picking a good quality car insurance company can be challenging considering how many companies there are to choose from in Washington. The information listed below could help you decide which insurers to look at comparing price quotes from.

These rankings only include the largest auto insurers in America, so companies that focus mainly on Washington business will not be included in these rankings. If you wish to compare prices and find cheaper insurance for a Honda CR-V, just click here.

Top 10 Large Auto Insurance Providers in Washington Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. Nationwide – 90%
5. State Farm – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. Allstate – 88%
9. 21st Century – 88%
10. The General – 88%

Top Companies for Honda CR-V Insurance in Washington

The illustration below demonstrates how choosing different deductibles can raise or lower yearly insurance costs when getting quotes for cheap insurance for a Honda CR-V. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2403,2211,1997,1793],[‘Age 30’, 1687,1545,1377,1217],[‘Age 40’, 1563,1435,1283,1141],[‘Age 50’, 1369,1257,1125,999],[‘Age 60’, 1321,1213,1087,967],[‘Age 70’, 1523,1401,1265,1133]]);var options = {title: ‘Impact of Higher Deductibles on Honda CR-V Insurance Rates in Washington’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 30-year-old driver could pocket $280 a year by increasing from a $100 deductible up to a $500 deductible, or save $422 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could roll back prices as much as $610 each year by using higher deductibles when buying full coverage.

When using a larger deductible, it will now be necessary to have additional savings on hand to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Does it make sense to buy full coverage?

Finding cheap insurance for a Honda CR-V in Washington is the goal of the majority of drivers, and one way to save on the cost of insurance is to buy liability only. The chart below compares annual premium costs with and without full coverage. The premiums are based on no violations or accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2643,897],[‘Age 30’, 1389,495],[‘Age 40’, 1367,459],[‘Age 50’, 1247,431],[‘Age 60’, 1205,423],[‘Age 70’, 1465,563]]);var options = {title: ‘Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Washington’,minValue: 0,format: ‘$###,###’},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);}

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs $1,553 per year over liability only. Many drivers may wonder when is the right time to remove full coverage. There is no exact formula of when to drop physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

There are some situations where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not remove full coverage.