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

The odds of finding affordable auto insurance for a Honda CR-V in North Dakota depends upon a lot of different factors like whether you are male or female, your geographic location, and physical damage deductibles. North Dakota drivers pay approximately $860 a year to buy Honda CR-V insurance, but that cost is based on rates for a 50-year-old single male that purchased full physical damage coverage and $100 deductibles.

There is a high probability that you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you have a speeding ticket that needs to be factored in. Having different needs demonstrates why the only real way to find cheap auto insurance rates for your Honda is to regularly compare rates at renewal.

View Honda CR-V Insurance Rates

Your vehicle’s trim level impacts price, so the price you will be charged to insure a CR-V LX 2WD model will be $28 less than the price to insure the more well-appointed CR-V EX-L 4WD version, as shown by the rates below.

Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Dakota minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Prices do not factor in zip code location which can revise premiums significantly.

Establishing which company has the lowest-priced car insurance rates for a Honda CR-V requires a little more effort than just quoting one company’s rates. Every insurance company uses their own calculation for determining prices, so we need to take a look at the most competitive car insurance companies in North Dakota.

It’s a good idea to know that North Dakota car insurance rates are influenced by many factors which can substantially change the policy price. Simply having a birthday, getting married, or getting a few speeding tickets can cause premium changes resulting in some companies being more affordable than the competition.

Best Car Insurance Prices for Your Honda

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USAA may have some of the best car insurance rates in North Dakota at around $704 each year. Allied, Nodak Mutual, Grinnell, and State Farm are also some of the cheaper North Dakota insurance companies.

In the above rates, if you are insured with Grinnell and switched to USAA, you might realize yearly savings of in the neighborhood of $366. Customers with State Farm could save as much as $416 a year, and Safeco insureds might reduce prices by as much as $430 a year.

Bear in mind that those policy rates are averages across all types of insureds and vehicles and are not factoring in a specific rating modification for a Honda CR-V. So the auto insurance company that fits your needs best may not even be shown in the above list. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Full coverage versus liability only rates

Finding cheap insurance for a Honda CR-V in North Dakota should be important to most people, and one of the quickest ways to pay lower rates for insurance is to buy only liability coverage. The chart below visualizes the comparison of car insurance rates with full coverage and liability only. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no discounts are taken into consideration.

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Averaged for all age groups, comp and collision coverage costs $1,631 per year over liability only. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no exact formula to eliminate comp and collision coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.

Is the best company Allstate, Geico, Progressive, or State Farm?

When comparing insurance for a CR-V in North Dakota, four companies to take a look at are Allstate, Geico, Progressive, and State Farm. When added together, they make up over 45% of all car insurance policies written. The following table ranks price and claims rank as well as some different options that may be available in your state.

How to find cheap insurance for a Honda CR-V in North Dakota

The list below shows some thrifty suggestions that can help North Dakota drivers find lower-cost car insurance.

• Buying home and auto insurance together can earn discounts
• Having at-fault accidents will increase rates
• Do not pay for full coverage on older vehicles
• Earn discounts for being claim-free
• Buy vehicles with good safety ratings
• Do not get traffic violations
• Ensure you have the best deal by shopping around regularly

That final tip is certainly significant, as was stressed in this write-up. Coverage rates in North Dakota can be modified anytime, so don’t be tentative to change insurance companies if a more affordable price is available. Having a favorite company is fine, but we do not recommend it if that inflexibility results in costing you a small fortune year after year. Now is a great time to compare prices to find cheaper car insurance for a Honda CR-V.