Cheap Insurance for a Honda CR-V in Indiana

Whenever people write about auto insurance, the word cheap should never appear anywhere in the article to describe car insurance prices. Unfortunately, cheap auto insurance for a Honda CR-V is almost non-existent. Don’t let that spoil your day, because we can show you some ways you can quote and buy auto insurance that may not be cheap, but it is affordable.

Your ability to find the best cheap auto insurance for a Honda CR-V in Indiana depends upon an enormous amount of rating factors such as the number of years you have been driving, your credit history, and blemishes on your driving record. Indiana drivers on average pay around $540 each year for CR-V insurance, but that policy rate is an estimate that uses a 40-year-old married female driver that purchased both comprehensive and collision coverage and $1,000 physical damage deductibles.

There is a very good chance that you may not be 40 years old (or even female), possibly single instead of married, or maybe you want more liability coverage than is required by law in Indiana. Every policy is rated specifically for the driver, so your best shot at finding affordable rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years.

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The specific model of CR-V tends to have a direct effect on the insurance rate, so the price to insure a CR-V LX 2WD will be $16 cheaper than the price to insure the more well-appointed CR-V EX-L 4WD trim level, as demonstrated by the prices below.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in zip code location which can modify rates noticeably.

Best auto insurance in Indiana

Ending up with the top car insurance provider can be a challenge considering how many different insurance companies sell coverage in Indiana. The ranking data in the next section may help you pick which insurers you want to consider comparing prices from. These ratings are only comprised of major nationwide insurance companies, so companies that may only write in Indiana are not taken into consideration for this list.

Top 10 Large Auto Insurance Companies in Indiana Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

Top Companies for Honda CR-V Insurance in Indiana

Get discounts on Indiana auto insurance

Insurance providers that provide cheap insurance for a Honda CR-V in Indiana could also offer premium discounts that could potentially reduce rates by as much as 35% if you qualify. A list of auto insurance companies and some of the premium reductions they offer can be read below.

• State Farm includes discounts for good driver, multiple policy, Drive Safe & Save, defensive driving training, accident-free, and passive restraint.
• GEICO has savings for federal employee, driver training, membership and employees, defensive driver, daytime running lights, air bags, and five-year accident-free.
• Liberty Mutual policyholders can earn discounts including new vehicle discount, multi-policy, newly retired, new move discount, exclusive group savings, and teen driver discount.
• The Hartford discounts include air bag, driver training, good student, vehicle fuel type, bundle, defensive driver, and anti-theft.
• MetLife may include discounts for good student, claim-free, good driver, multi-policy, accident-free, and defensive driver.
• Progressive has discounts for multi-vehicle, multi-policy, online quote discount, homeowner, online signing, good student, and continuous coverage.

The illustration below shows the comparison of car insurance costs with and without discounts. The rate quotes are based on a female driver, no accidents, no driving violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, claim-free, defensive driving course, multiple vehicle, anti-theft, and accident-free discounts applied. When drivers qualify for the discounts, the the average amount saved on auto insurance for a Honda CR-V is 28% or $317.

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Poor driving habits will raise your auto insurance rates

The obvious way to earn good auto insurance rates for a CR-V is to be a safe driver and maintain a clean driving record. The illustration below shows how traffic citations and at-fault fender-benders raise car insurance rates for different age categories. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2251,2421,2891],[‘Age 30’, 1193,1361,1827],[‘Age 40’, 1165,1335,1801],[‘Age 50’, 1063,1231,1699],[‘Age 60’, 1031,1199,1665],[‘Age 70’, 1265,1435,1901]]);var options = {title: ‘Effect of Tickets and Accidents on Indiana Honda CR-V Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda CR-V in Indiana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of a car insurance policy in Indiana per year with a clean driving record and no accidents is $1,328. Factor in one speeding ticket and the average cost swells to $1,497, an increase of $169 each year. Now include one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Honda CR-V jumps again to an average of $1,964. That’s an increase of $636, or $53 per month, just for being a less-than-perfect driver!

State Farm, Allstate, Geico, and Progressive: Who is cheapest?

If you’re looking for the cheapest insurance for a CR-V in Indiana, four companies to consider are State Farm, Allstate, Geico, and Progressive. They all have the same basic coverages, but each one has a slightly different set of options and discounts that shoppers can choose from. The table below rates some of the ratings and options .