Finding cheap coverage for a Honda CR-V can be pretty simple, but it depends on an enormous amount of rating factors such as annual vehicle mileage, your credit history, and your choice of physical damage deductibles. North Carolina drivers will pay around $727 per year to insure their CR-V, but that is an estimation based on a 40-year-old single female driver with full coverage and $250 deductibles.
But there is a good chance that you’re not a 40-year-old female, married instead of single, and maybe you want higher deductibles. Having even a minor difference in rating factors or requested coverage amount could end up with a large change in the price of coverage.
Auto insurance requires individual risk assessment, so the only real way to find cheap auto insurance rates for your Honda is to compare as many rates as you can.
Compare Honda CR-V Insurance Rates
Your vehicle’s trim level tends to have a direct effect on the insurance rate, so the rate you will pay to insure a CR-V LX 2WD will be $24 less expensive the cost to insure the higher-priced CR-V EX-L 4WD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $160 | $302 | $276 | $16 | $82 | $836 | $70 |
| CR-V EX 2WD | $160 | $302 | $276 | $16 | $82 | $836 | $70 |
| CR-V LX 4WD | $160 | $302 | $276 | $16 | $82 | $836 | $70 |
| CR-V EX 4WD | $184 | $302 | $276 | $16 | $82 | $860 | $72 |
| CR-V EX-L 2WD | $184 | $302 | $276 | $16 | $82 | $860 | $72 |
| CR-V EX-L 4WD | $184 | $302 | $276 | $16 | $82 | $860 | $72 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in specific Greensboro garaging location which can impact insurance rates substantially.
Ratings for North Carolina insurance companies
Finding a good quality insurer can be challenging considering how many different companies insure vehicles in North Carolina. The rank data below may help you select which coverage providers you want to consider purchasing a policy from.
These ratings are only made up of companies with a nationwide focus, so companies without a large exposure are not included in the list. If you would like to check rates from the insurers below and more, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Greensboro auto insurance
Auto insurance companies that provide policies for a Honda CR-V may also provide discounts that may potentially lower prices by as much as 35% or more if you meet specific eligibility requirements. A list of insurance companies and some of the premium reductions they offer are:
- State Farm may offer discounts for student away at school, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, multiple autos, and good student.
- GEICO includes discounts for federal employee, daytime running lights, seat belt use, multi-policy, military active duty, air bags, and good student.
- Progressive has savings for good student, multi-vehicle, continuous coverage, online quote discount, multi-policy, and homeowner.
- 21st Century policyholders can earn discounts including driver training, 55 and older, homeowners, air bags, anti-lock brakes, teen driver, and automatic seat belts.
- American Family offers discounts for TimeAway discount, Steer into Savings, good driver, bundled insurance, mySafetyValet, and air bags.
- The Hartford may have discounts that include defensive driver, air bag, good student, driver training, and bundle.
- AAA offers premium reductions for good student, AAA membership discount, pay-in-full, anti-theft, and education and occupation.
The chart below compares insurance rates with and without discounts being applied to the rates. The rate quotes are based on a female driver, no claims or driving citations, North Carolina 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 bar shows the rates with defensive driving course, safe-driver, marriage, passive restraint, multiple policy, and anti-theft discounts applied. When drivers qualify for the discounts, theamount saved on insurance for a Honda CR-V is 28% or $282.
Don’t make the mistake of not shopping around
Greensboro, NC insurance rates are impacted by many factors that control the price of coverage. Simply getting older, moving across town, or getting a driving violation can trigger changes in premium that can make some companies cheaper than others.
Not only may things change on your end, but companies file new rates without warning to adjust for heavy claims or excess profits. A period of increased losses can result in a rate increase, while less frequent claims can cause cheaper CR-V insurance rates.
The graph below shows the companies that have the cheapest car insurance in Greensboro, NC for a 35-year-old male driver with no violations or accidents, and good credit. If we look at prices based on his current situation, Utica National may have the cheapest car insurance rates in Greensboro at $742 annually. This is $130 less than the average price paid by North Carolina drivers of $872. Progressive, NC Farm Bureau, Penn National, and Liberty Mutual are the remaining cheapest Greensboro, NC auto insurance companies.
Let’s now give the driver from the first example a claim surcharge, a lower credit rating, and a few blemishes on his driving record. Since each auto insurance company has their own guidelines to set premium rates, comparing rates could result in a different list of companies as shown below.
GEICO now has the lowest price on auto insurance in Greensboro, NC with Titan, Auto-Owners, National General, and Erie now rounding out the top five. This example illustrates why it is so important to spend some time comparing rates to get the most economical insurance rates for a Honda CR-V. Prices are influenced by many different factors and can increase or decrease at any time, so the best option three years ago may now be one of the higher cost companies.
How to find low-cost auto insurance for a Honda CR-V
The list below shows a few thrifty suggestions that can help you locate more affordable auto insurance.
- If your vehicles are older, consider dropping full coverage
- Avoid accidents and claims
- Drivers with good credit often pay less
- Safe vehicles cost less to insure
- Buying your home and auto policies from the same company can earn a discount
- Compare quotes from other companies often
The last suggestion is certainly vital, as we hit on in the prior article. Rates fluctuate considerably, so don’t be afraid to buy a different policy if you find a better deal.
Many drivers prefer to stick with one company, but is isn’t recommended if that devotion results in you overpaying hundreds of dollars a year. In just a few minutes you could compare prices and find cheaper auto insurance for a Honda CR-V in Greensboro.