Who Has the Cheapest Insurance Quotes for a Honda CR-V in Kentucky?

Finding cheaper car insurance for a Honda CR-V in Kentucky depends on a large number of factors such as if you have purchased a home, whether or not you have filed claims in the past, and any prior driving offenses you have. Drivers on average pay around $720 per year to insure their CR-V, but that figure is a ballpark figure assuming a 40-year-old married female with both comprehensive and collision coverage and $500 physical damage deductibles.

It’s more than likely that you aren’t exactly 40 years old or even a female, maybe you are single instead of married, or you just prefer to insure for liability only. What seems to be a minor change in the factors used to determine rates can make a huge difference in the price of coverage.

Insurance rates are unique for each driver, so the only real way to find cheap car insurance rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years. Do a quick rate comparison now and you can get prices from top-rated companies that offer coverage in Kentucky.

Insure Your Honda for Less

The specific model of CR-V will likely have an effect on the cost of insurance, so the price you will be charged to insure a CR-V LX 2WD model will be $22 less than the cost to insure the higher-priced CR-V EX-L 4WD trim level, as shown in the prices below.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease prices substantially.

Finding out which company quotes the most affordable insurance rates for a Honda CR-V will take a tad more effort than just quoting one company’s rates.

Every auto insurer uses their own method for filing rates in each state, so we will examine the insurance companies that tend to be cheaper in Kentucky. It’s important that you understand Kentucky insurance rates are determined by lots of factors that control the price you pay. Turning one year older, adding a teenager to your policy, or getting a ticket for running a stop sign can produce rate changes resulting in some rates now being cheaper than others.

Find the Best Cheap Insurance for Your Honda

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Cincinnati Insurance has some of the cheapest car insurance rates in Kentucky at around $1,126 per year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual would also make the list of some of the cheapest Kentucky insurance companies.

As shown in the table above, if you are currently insured with USAA and switched to Cincinnati Insurance, you may see a yearly price reduction of in the vicinity of $49. Insureds with Auto-Owners could save as much as $287 a year, and Grange Mutual customers might cut rates by $435 a year.

To find the cheapest insurance for a Honda CR-V in Kentucky for your vehicle, click here to begin a quote or visit any of the companies below.

Bear in mind that those premium estimates are averages for all ages of drivers and types of vehicles and are not factoring in a specific rate value for a Honda CR-V. So the insurer that is best for you may not even be featured in the list of companies shown earlier. That points out the importance of why you need to get car insurance quotes using your own individual information.

Violations and accidents raise rates

The ideal way to get the cheapest insurance rates for a CR-V is to drive carefully and avoid accidents and violations. The information below shows how violations and at-fault claims influence insurance costs for different age categories. The information is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

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The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,671. Receive one speeding ticket and the average cost hikes up to $1,891, an increase of $221 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for a Honda CR-V goes up to an average of $3,774. That’s an increase of $2,104, or $175 per month, just for a couple of infractions!

Is Geico, State Farm, Progressive, or Allstate cheaper?

When comparing insurance for a CR-V, four companies to consider are Geico, State Farm, Progressive, and Allstate. When added together, they insure about 50% of all policies written. All four can cover your vehicle for liability and physical damage, but each one has slightly different coverage options that may influence which company you choose. The data below compares and contrasts some of the different features that may be available in Kentucky.

How to find budget-friendly car insurance for a Honda CR-V

The list below details some of the recommended thrifty suggestions that can help Kentucky drivers locate low-cost coverage.

• Vehicles with good safety ratings have lower liability rates
• Multi-policy discounts save money
• Avoid preventable accidents
• Discounts for being claim-free can be substantial
• Tickets and violations raise rates
• Compare rates regularly to ensure the best deal

The final tip is notably crucial, as was affirmed in this article. Prices charged by auto insurers in Kentucky adjust frequently, so don’t hesitate to buy a policy from a new company if a lower price can be found.

Many drivers prefer to stick with one company, but it’s not a good idea if that devotedness results in you overpaying hundreds every year. Take a couple minutes and shop around to find cheaper car insurance for a Honda CR-V.