Cheap Insurance Quotes for a Honda CR-V in Arizona

When writing about car insurance, the words cheap or affordable shouldn’t be used as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap car insurance for a Honda CR-V is almost non-existent. Don’t get your dauber down, because we will tell you how you can still find and buy coverage that is considered budget-friendly.

Buying cheaper insurance for a Honda CR-V in Arizona depends upon a complex equation that considers factors like your date of birth, if you are currently insured, and your policy deductibles. Arizona drivers pay on average $840 every 12 months for CR-V insurance, but that figure is a valuation using rating data for a 50-year-old single female driver that purchased both comprehensive and collision coverage and $100 policy deductibles.

There’s a good chance you aren’t exactly 50 years old or even a female, possibly married instead of single, and there is a good chance that there are other drivers on your policy. Every policy is rated specifically for the driver, so your best chance at finding the cheapest insurance price for your Honda is to shop your policy around every couple of years.

Find Cheaper Honda CR-V Insurance

The trim level of your Honda impacts the coverage cost, so the rate you pay to insure a CR-V LX 2WD will be $28 less than the cost to insure the high end CR-V EX-L 4WD trim level, as shown in the prices below.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in garaging location in Arizona which can alter price quotes considerably.

Arizona car insurance companies ranked

Selecting the right company can be rather challenging considering how many companies sell insurance in Arizona. The company information below may help you select which auto insurers you want to consider comparing rate quotes with. The ratings below are only made up of companies that insure vehicles across America, so companies that only write business in Arizona or surrounding areas are not taken into consideration for this list.

Top 10 Large Auto Insurance Providers in Arizona Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top Companies for Honda CR-V Insurance in Arizona

Cost of full coverage in Arizona

Finding cheap insurance for a Honda CR-V in Arizona is important to the majority of drivers, and one of the best ways to reduce the cost of insurance is to not pay for full coverage. The example below shows the difference between auto insurance costs when comparing full coverage to liability only. The prices are based on no claims or driving citations, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

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Averaged for all ages 20 through 70, full coverage on your policy costs an extra $1,263 per year more than just insuring for liability. That is a significant amount which raises the question if buying full coverage is a waste of money. There is no exact formula of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s book value is $7,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,500 after you pay the deductible. If you are paying over $650 a year to have full coverage, then you may need to consider dropping full coverage.

Get discount Arizona car insurance rates

Auto insurance companies that sell cheap insurance for a Honda CR-V in Arizona may also offer policy discounts that could lower prices by 40% or more if you are eligible to receive them. A list of car insurance companies and some of the premium reductions they offer can be found below.

The example below shows the comparison of insurance costs with and without discounts applied to the policy premium. The premiums assume a female driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, vehicle safety, passive restraint, anti-theft, and multiple vehicle discounts applied. In this example, the the average amount saved on car insurance for a Honda CR-V is 41% or $471.

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Who is cheaper: State Farm, Allstate, Progressive, or Geico?

When shopping for insurance for a CR-V in Arizona, the top insurers to get price quotes from are State Farm, Allstate, Progressive, and Geico. If you add them together, they insure about 50% of all auto insurance policies in force. All four can cover your vehicle for liability and physical damage, but each one has unique features and discounts that buyers can choose from. The data below illustrates some of the different options and features that policyholders can buy.

Who has the cheapest Honda CR-V insurance quotes?

You have many ways to quote and buy car insurance in Arizona, but the most frequently used methods are through a captive (or exclusive) agency like Liberty Mutual or State Farm, a non-exclusive or independent agent, or direct either online or via phone.

They all have the same end result, but they differ in how they work.

Independent agencies have contracts with many companies and can provide price quotes from each one. Agents of this type do not sell for just one brand and can give you a larger rate selection, which can give you a better comparison. If cheaper coverage is found, the agent simply finds a different carrier and you don’t have to switch agencies.

Exclusive agents are usually just provide rates from a single insurance company, two examples are a State Farm or Farmers agent. They usually cannot quote prices from more than a single company, so it’s a good idea to get additional price quotes.

The last way is buying direct, which means you bypass an exlusive or independent agent and buy direct online or over the phone from a company like Esurance or Geico. This option may be the best choice drivers who do not need high levels of coverage and have some degree of understanding of what specific coverages they need.

Which method is best to buy cheap insurance for a Honda CR-V in Arizona? We’d like to say shopping direct saves money since that prevents the need to pay agent commissions, but in reality, that is not the case. It would also be easy to say buying from an independent agent guarantees the cheapest rates since they have more companies to choose from, but that idea is not necessarily true either. In the right set of circumstances, the exclusive agents may have very competitive prices that are the lowest in Arizona.

Because of the variability of car insurance rates, really the only way to get the lowest rate is to get quotes and compare. If you have the time, get quotes from all three types in order to have the best selection to choose from. For a list of companies with cheap rates in Arizona, click here to view.