Who Has Cheap Insurance Quotes for a Honda CR-V in Delaware?

Your chances of finding cheap car insurance for a Honda CR-V in Delaware hinges on an enormous amount of rating factors like whether the vehicle is new, if you are currently insured, and any prior driving offenses. Drivers in Delaware pay approximately $710 a year to insure a Honda CR-V, but that figure is a ballpark figure based on rate data for a 50-year-old married male driver that included comprehensive and collision coverage and $1,000 physical damage deductibles.

The problem with using this number is the good chance you may not be 50 years old (or even male), single instead of married, or maybe you’ve had an at-fault accident or two. Auto insurance is unique to every driver, so the most reliable method for finding the cheapest rates for your Honda is to do a thorough rate comparison. Quotes only take a couple of minutes and you can get rates from some of the best companies that sell coverage in Delaware.

View Honda CR-V Insurance Rates

The trim level of your vehicle will be a contributing factor to price, so the price to insure a CR-V LX 2WD will be $18 less than the price to insure the fancier CR-V EX-L 4WD version, as shown by the rates below.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Delaware which can raise or lower premium rates noticeably.

Which car insurance company is best in Delaware?

Buying coverage from a good quality insurer can be difficult considering how many companies there are in Delaware. The ranking data listed below may help you decide which auto insurers you want to consider when buying insurance for a Honda CR-V.

These ratings are only comprised of major nationwide insurance companies, so smaller regional companies are not factored into the list. To get rate quotes from the most competitive companies in Delaware, just click here.

Top 10 Large Auto Insurance Providers Overall in Delaware

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top 10 Large Auto Insurance Providers in Delaware Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Top Companies for Honda CR-V Insurance in Delaware

Should you buy full coverage?

Finding cheap insurance for a Honda CR-V in Delaware should be important to most vehicle owners, and one common way to find cheaper insurance is to not insure for full coverage. The example below illustrates the comparison of annual premium costs when comparing full coverage to liability only. The rates are based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.

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On average, physical damage coverage costs an extra $1,729 per year more than just insuring for liability. Many drivers may wonder if buying full coverage is a waste of money. There is no set guideline of when to phase out full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Insurance rate increases from tickets or accidents

In a perfect world, the best way to earn low car insurance prices in Delaware for a CR-V is to pay attention while driving and not get tickets or have accidents. The example below shows how speeding tickets and at-fault collisions can influence auto insurance rates for different categories of driver ages. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

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The data above shows the average cost of a car insurance policy in Delaware per year with no violations or accidents is $1,789. Add in two speeding tickets and the average cost hikes up to $2,550, an increase of $761 each year. Then add two accidents along with the two speeding tickets and the annual cost of car insurance for a Honda CR-V goes up to an average of $5,244. That’s an increase of $3,455, or $288 per month, just for not maintaining a clean driving record!

Company comparison: Progressive vs State Farm vs Geico vs Allstate

If you want the best insurance for a CR-V in Delaware, probably the best companies to start with are Progressive, State Farm, Geico, and Allstate. They all offer your standard coverages, but each one has different options that may influence your buying decision. The following table compares some of the different options that are available for customers.

Who has the cheapest Honda CR-V insurance quotes?

Thanks to technology, drivers have a lot of ways to buy car insurance in Delaware, but the most popular ways are from an independent agent, a captive (or exclusive) agency like State Farm or Auto-Owners, or direct from companies such as Geico or Progressive.

Each way is similar, but they are slightly different in how they provide rate quotes.

Independent insurance agencies can place your business with multiple companies and can do rate comparisons with every one. They have the ability to give you more rates, which can give you a better chance of saving money. If your agent finds better pricing, your policy can be easily switched to a new company and the insured can keep the same agent.

An exclusive ageny is usually restricted to one insurance company, examples being an Allstate or Liberty Mutual agent. These agents usually cannot provide rates from more than one company, so if rates are high, they cannot give you alternative choices.

Buying from a direct company means skip an agent and instead shop direct from companies such as Progressive or Esurance. Buying direct can be a good choice for drivers who do not need high levels of coverage and know more than average about what specific coverages they need.

So which one of the three ways works best to buy cheap insurance for a Honda CR-V in Delaware? The obvious answer would be buying direct results in the cheapest rates since that prevents the need to pay agent commissions, but unfortunately, it’s not that simple. It would also be easy to say an independent agency guarantees the cheapest rates since they have more companies to choose from, but again, it’s not a sure thing. In a lot of cases, the exclusive agents may have prices that are the lowest in Delaware.

Because there are so many factors that make up car insurance rates, the best method to find out which one is cheapest is to obtain price quotes and compare them. In a perfect world, youll get prices from all three to have the best selection of rates to choose from. For a list of companies with cheap rates in Delaware, click here to view.