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

When we talk about car insurance, the word cheap should never appear anywhere in the article to describe car insurance rates. Regardless, cheap auto insurance for a Honda CR-V is not always easy to find. But fear not, because we are going to show you how you can get car insurance that is cheaper than your current policy.

Finding cheap insurance for a Honda CR-V in Iowa is dependent upon many factors like whether you are married or single, whether or not you have filed claims in the past, and any prior driving offenses. Iowa drivers on average pay approximately $590 each year to buy Honda CR-V insurance, but that amount is a projection based upon a 50-year-old married female who requires full physical damage coverage and $100 deductibles.

More than likely, you are not 50 and maybe not even a female, you might be single instead of married, or maybe you just want liability only instead of full coverage. Using even a minor difference in quote information may result in a big change in the cost of insuring your CR-V.

Insurance is an individual thing, so the best way to quote the most affordable coverage for your Honda is to get into the habit of shopping around regularly.

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The trim level of your CR-V will most likely have an effect on the insurance rate, so the price to insure a CR-V LX 2WD model will be $22 lower than the cost to insure the high end CR-V EX-L 4WD version, as shown in the chart below.

Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Iowa minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in Iowa location which can decrease or increase price quotes noticeably.

Trying to buy budget insurance is difficult, and finding out which companies have the cheapest car insurance rates for a Honda CR-V will take more quotes for comparison.

Each insurance company uses a slightly different approach to set their prices, so to begin we’ll rank the most budget-friendly car insurance companies in Iowa. It’s important that you understand Iowa car insurance rates are calculated based on many things which can substantially change the price you pay for coverage. Improving your credit score, buying a different home, or getting a driving violation can trigger rate changes that can cause some rates to be higher-priced than before.

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USAA normally has some of the best car insurance rates in Iowa at around $669 annually. Partners Mutual, Western National, Allied, and Hastings Mutual also are some of the cheaper Iowa auto insurance companies.

In this example, if you currently have a policy with Allied and switched to Partners Mutual, you may realize an annual premium reduction of in the neighborhood of $126. Iowa drivers with Hastings Mutual might save as much as $203 a year, and State Farm insureds might realize rate reductions of up to $214 a year.

To see if your current coverage is too expensive, click here to start your free quote or quote prices from the following companies.

Understand that those rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific rate factor for a Honda CR-V. So the car insurance company that is best for you may not even be featured in the above list. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.

How to get discounts on Iowa insurance rates

Auto insurance companies that sell cheap insurance for a Honda CR-V in Iowa may also provide rate discounts that could lower prices by as much as 40% or more if you qualify. A few of the larger companies and a selection of discounts are:

• Progressive may have discounts that include online signing, multi-vehicle, continuous coverage, multi-policy, homeowner, and good student.
• Farmers Insurance may include discounts for good student, switch companies, early shopping, business and professional, mature driver, and electronic funds transfer.
• Farm Bureau discounts include renewal discount, 55 and retired, good student, driver training, and multi-policy.
• State Farm offers premium reductions for defensive driving training, Steer Clear safe driver discount, passive restraint, anti-theft, student away at school, driver’s education, and safe vehicle.
• GEICO may offer discounts for anti-lock brakes, federal employee, daytime running lights, multi-policy, anti-theft, and emergency military deployment.
• SAFECO offers discounts including anti-theft, teen safe driver, teen safety rewards, bundle discounts, and safe driver.
• Liberty Mutual offers discounts for multi-policy, good student, exclusive group savings, multi-car, new vehicle discount, and safety features.

The information below illustrates the comparison of yearly insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no driving violations, no at-fault accidents, Iowa state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, multiple policy, anti-theft, passive restraint, multiple vehicle, and claim-free discounts applied. In this example, the average amount saved each year on car insurance for a Honda CR-V is 28% or $296.

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The illustration below demonstrates how deductible levels can change insurance costs when researching cheap insurance for a Honda CR-V. The prices are based on a married male driver, comp and collision included, and no discounts are factored in.

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The data above shows that a 30-year-old driver could lower their car insurance rates by $190 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $290 by changing to a $1,000 deductible. Young drivers, like the 20-year-old category, could drop their prices $580 or more just by choosing higher deductibles. When choosing a higher deductible, it is a good idea to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.