Who Has Affordable Auto Insurance Rates for a Honda CR-V in Columbus?

Buying cheaper coverage for a Honda CR-V is pretty easy to do, but it depends on a complex formula that considers things such as miles driven annually, whether or not you have prior claims, and any driving offenses on your record. Drivers in Ohio pay around $490 annually for CR-V insurance, but that figure is an estimation using a 40-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.

It’s more than likely you’re not a 40-year-old male, maybe you are single instead of married, and you don’t want the same coverages and limits as the example. Having even a minor difference in policy rating criteria or coverages can result in a massive change in the cost of insurance.

Auto insurance is not the same for everyone, so the way we recommend to find cheap insurance prices for your Honda is to compare rates from as many companies as possible. Quotes only take a couple of minutes and you will be able to see rates from the best auto insurance companies that sell coverage in Ohio.

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The trim level of your Honda will likely have an effect on the coverage cost, so the price you pay to insure a CR-V LX 2WD trim level will be $16 less than the price to insure the higher-end CR-V EX-L 4WD trim level, as shown below.

Honda CR-V Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $114 $180 $198 $12 $60 $564 $47
CR-V EX 2WD $114 $180 $198 $12 $60 $564 $47
CR-V LX 4WD $114 $180 $198 $12 $60 $564 $47
CR-V EX 4WD $130 $180 $198 $12 $60 $580 $48
CR-V EX-L 2WD $130 $180 $198 $12 $60 $580 $48
CR-V EX-L 4WD $130 $180 $198 $12 $60 $580 $48
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in specific location information which can influence insurance rates noticeably.

Finding out which company has the most affordable auto insurance rates for a Honda CR-V will require more time in order to find the lowest price.

Each auto insurer has a unique formula to set policy rates, so we need to take a look at the most affordable auto insurance companies in Ohio.

Best Auto Insurance Prices for Your Honda

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Cheapest auto insurance in Ohio ranked by cost per year
Rank Company Cost Per Year
1 Utica National $628
2 Allied $676
3 Frankenmuth $680
4 Erie $681
5 Travelers $705
6 USAA $719
7 Merchants Insurance Group $755
8 Cincinnati Insurance $772
9 Motorists Mutual $816
10 Grange Mutual $828
11 General Casualty $829
12 Central Mutual $848
13 State Farm $885
14 Hastings Mutual $893
15 Westfield $908
16 Atlantic States $940
17 Progressive $953
18 Western Reserve $961
19 Nationwide $988
20 Auto-Owners $988
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Utica National may offer some of the most affordable car insurance rates in Columbus at around $628 each year. Allied, Frankenmuth, Erie, and Travelers are also some of the best Columbus, OH auto insurance companies.

As the rates illustrate above, if you are currently insured with Frankenmuth and switched to Utica National, you might achieve savings of upwards of $52. Insureds with Erie may save as much as $53 a year, and Travelers policyholders might cut rates by $77 a year.

To find the cheapest coverage for you, click here to start your free quote or visit any of the companies below.

Understand that those prices are averaged for all drivers and vehicles in Ohio and are not factoring in a specific zip code for a Honda CR-V. So the company that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.

Impact of careless driving on Columbus auto insurance rates

The easiest method to get low auto insurance rates in Ohio for a CR-V is to be a cautious driver and not get tickets or have accidents. The illustration below demonstrates how traffic citations and at-fault accidents drive up auto insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

In the example above, the average cost of car insurance per year with a clean driving record and no accidents is $1,041. Get written up for two speeding tickets and the average cost surges to $1,477, an increase of $437 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Honda CR-V increases to an average of $1,905. That’s an increase of $865, or $72 per month, just for not being more responsible behind the wheel!

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Columbus auto insurance rates are calculated based on many things that will increase or decrease the policy price. Getting older, buying a home instead of renting, or getting a few speeding tickets can trigger price changes that can cause some rates to be cheaper than competitors. In addition to those changes, car insurance companies change the rates they charge in Ohio as needed in order to maintain liquidity for claims. Heavier than normal losses may cause price increases, while better underwriting can cause lower-cost CR-V insurance rates.

As an example, the chart below shows which company has the cheapest car insurance in Columbus, OH for a 45-year-old female driver with a clean driving record, no accidents, and great credit. When quoting prices based on her personal risk profile, Utica National offers the cheapest car insurance rates in Columbus at $796 a year. This is $244 less than the average premium paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are the remainder of the most affordable Columbus, OH auto insurance companies.

The example below compares rates after we give the driver from the first set of rates an accident claim, bad credit, and a speeding citation. Due to the fact that each insurance company has a different formula for establishing rates, comparing insurance quotes may now result in a substantially altered list of the cheapest car insurance companies in Columbus as shown below.

Merchants Insurance Group now has the cheapest car insurance in Columbus with Cincinnati Insurance, Grange Mutual, Motorists Mutual, and General Casualty also being competitive. This illustrates why consumers need to compare lots of rates when trying to get the most affordable car insurance quotes for a Honda CR-V. Prices can be determined by many factors and can increase or decrease at any time, so the most economical company three years ago may now be one of the higher cost companies.

If you have coverage questions and would like to get help from a professional when trying to find the best insurance rates for a Honda CR-V, the professional agents shown below can most likely aid you in deciding which insurance coverage you need. To locate an agency using an interactive map, click the button after the list or click here to compare rates now.

Bud Kulp – State Farm Insurance Agent
1707 Bethel RdColumbus, OH 43220(614) 459-2424

Franchise Insurance Agency, Inc.
4930 Reed Rd Suite 100Columbus, OH 43220(614) 451-2232

Gary Snowden – State Farm Insurance Agent
1369 Georgesville RdColumbus, OH 43228(614) 272-2300

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