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

When writing about car insurance, the word affordable should never appear anywhere to describe car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Honda CR-V is almost non-existent. We’ll try to make it up to you, because we are going to tell you how you can quote and buy coverage that is cheaper than your current rate.

The likelihood of finding cheap auto insurance for a Honda CR-V in Utah is dependent upon a complex formula that considers things like whether you are a homeower, if you are currently insured, and any prior driving offenses. Drivers in Utah on average pay approximately $840 every 12 months to insure a CR-V, but that rate is a projection rating a 30-year-old single female driver that purchased full comprehensive and collision coverage and $250 deductibles.

But there is a high likelihood that you are not a 30-year-old female, married instead of single, and there is a good chance that there are other drivers on your policy. Auto insurance is not the same for everyone, so the way we recommend to find cheap insurance rates for your Honda is to put in the effort to do a thorough rate comparison.

Find Cheaper Honda CR-V Insurance

The specific model of CR-V tends to impact the insurance rate, so the price to insure a CR-V LX 2WD trim level will be $30 cheaper than the insurance cost for the fancier CR-V EX-L 4WD version, as shown in the prices below.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Utah minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rates do not factor in garaging location in Utah which can modify premiums considerably.

Finding dependable, budget auto insurance is difficult, and finding out which company offers the cheapest insurance rates for a Honda CR-V takes additional perseverance.

Each insurer has their own guidelines to set policy rates, so let’s begin by examining the insurance companies with the most affordable rates in Utah.

Best Insurance Companies for Your Honda

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Bear River offers some of the lowest car insurance rates in Utah at around $566 a year. USAA, Auto-Owners, American Family, and Allied also qualify as some of the best Utah insurance companies.

In the above rates, if you currently have a policy with American Family and switched to Bear River, you could earn an annual savings of roughly $418. Policyholders with Allied may save as much as $442 a year, and Farm Bureau Mutual policyholders might reduce prices by as much as $471 a year.

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

Bear in mind that those premium estimates are averaged across all drivers and vehicles and and are not calculated with a specific rate value for a Honda CR-V. So the company that can offer you the best rate may not even be shown in the above rate chart. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.

The information below highlights how deductible selection can raise or lower insurance prices when researching cheap insurance for a Honda CR-V. The costs are based on a single male driver, comp and collision included, and no additional discounts are factored in.

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A 40-year-old driver could cut expenses by $220 a year by increasing from a $100 deductible up to a $500 deductible, or save $332 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could reduce their rates up to $722 or even more by choosing a larger deductible amount. If you do raise deductibles, it is important to have enough savings set aside to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Drive responsibly or pay higher rates

One of the best ways to receive the cheapest insurance for a Honda CR-V in Utah is to drive safely and avoid accidents and traffic citations. The diagram below highlights how speeding tickets and at-fault collisions impact yearly insurance costs for different insured age categories. The costs are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

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The data above shows the average cost of auto insurance in Utah per year with no violations or accidents is $1,080. Factor in two speeding tickets and the average cost swells to $1,434, an increase of $354 each year. Now get one accident along with the two speeding tickets and the annual cost of insurance for a Honda CR-V goes up to an average of $1,795. That’s an increase of $715, or $60 per month, just for not driving responsibly!

How to find the cheapest insurance for a Honda CR-V in Utah

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving solutions that can help Utah drivers get more affordable coverage.

• Increase your credit rating
• Increase your physical damage deductibles
• Drive safe vehicles
• Having at-fault accidents will increase rates
• Violations and traffic tickets increase rates
• Comparison shop at least once a year

The last suggestion is notably valuable, as we noted in this write-up. Prices in Utah can be modified anytime, so don’t be afraid to switch to a new company if you can save money.

Having brand loyalty is commendable, but it’s not a good idea if your bullheadedness ends up costing you thousands of dollars over several years. If you have a few minutes, compare prices to find cheaper car insurance for a Honda CR-V.

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

If you want the best insurance for a CR-V, some of the largest companies to start with are Progressive, State Farm, Geico, and Allstate. They all offer a distinct set of features and optional coverages that may affect your buying decision. The next table compares and contrasts pricing and service ratings, as well as optional policy coverages that are available from each company.