Finding the best cheap insurance for a Honda CR-V in Nebraska is pretty simple for most people to do, but it is dependent upon a pretty complex algorithm that uses a lot of factors such as age of the vehicle, the performance level of your vehicle, and driving violations. Nebraska drivers will pay around $605 per year to insure their CR-V, but that cost is an estimate calculated using a 50-year-old single female driver with full physical damage coverage and $1,000 deductibles.
Odds are that you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe you are just looking for cheap liability insurance. Not every driver requires the same auto insurance coverages, so the only real way to find cheap auto insurance rates for your Honda is to do the rate comparisons yourself. To start saving now, get free quotes and you can get prices from the best companies that insure vehicles in Nebraska.
Find Cheaper Honda CR-V Insurance
Your vehicle’s trim level can impact price, so the rate you pay to insure a CR-V LX 2WD trim level will be $16 cheaper than the insurance cost for the more expensive CR-V EX-L 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $108 | $198 | $288 | $18 | $86 | $698 | $58 |
| CR-V EX 2WD | $108 | $198 | $288 | $18 | $86 | $698 | $58 |
| CR-V LX 4WD | $108 | $198 | $288 | $18 | $86 | $698 | $58 |
| CR-V EX 4WD | $124 | $198 | $288 | $18 | $86 | $714 | $60 |
| CR-V EX-L 2WD | $124 | $198 | $288 | $18 | $86 | $714 | $60 |
| CR-V EX-L 4WD | $124 | $198 | $288 | $18 | $86 | $714 | $60 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in vehicle location which can lower or raise insurance rates considerably.
Comparing quotes for affordable car insurance is challenging, and deciding which companies offer the cheapest auto insurance rates for a Honda CR-V will require a bit more work. Each insurer uses a different method for determining prices, so let’s begin by taking a look at the overall cheapest auto insurance companies in Lincoln.
It’s important to understand that Nebraska auto insurance rates are impacted by many things that will increase or decrease the cost of having a policy. This price variation is why consumers need to compare rates when trying to get the most affordable insurance quotes for a Honda CR-V. Insurance prices are determined by many risk factors and can change without notice, so the most affordable company a year ago may now be one of the higher cost companies.
Compare Cheap Insurance Quotes for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Safeco | $780 |
| 2 | The Hartford | $847 |
| 3 | Auto-Owners | $896 |
| 4 | Allied | $939 |
| 5 | Nationwide | $997 |
| 6 | Farmers Mutual of Nebraska | $1,009 |
| 7 | Farm Bureau Mutual | $1,020 |
| 8 | State Farm | $1,043 |
| 9 | American National | $1,065 |
| 10 | General Casualty | $1,081 |
| 11 | USAA | $1,150 |
| 12 | American Family | $1,246 |
| 13 | MetLife | $1,280 |
| 14 | EMC | $1,300 |
| 15 | GEICO | $1,308 |
| 16 | California Casualty | $1,309 |
| 17 | Iowa Mutual | $1,347 |
| 18 | Progressive | $1,445 |
| 19 | Farmers | $1,586 |
| 20 | North Star | $1,693 |
| Quote Your Rates Go | ||
Safeco normally has some of the lowest car insurance rates in Lincoln at around $780 annually. The Hartford, Auto-Owners, Allied, and Nationwide also qualify as some of the best Lincoln, NE car insurance companies.
In the above rates, if you have coverage with Auto-Owners and switched to Safeco, you might see an annual savings of roughly $116. Customers with Allied might save as much as $159 a year, and Nationwide insureds might see rate reductions of $217 a year.
It’s important to note that these policy prices are averages across all ages of drivers and types of vehicles and and are not calculated with a vehicle location for a Honda CR-V. So the car insurance company that fits your needs best may not even be in the top 24 companies shown above. That points out the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
Get discounts on Lincoln auto insurance
Insurance providers that provide policies for a Honda CR-V may also offer premium discounts that can reduce rates by 30% or more if you meet specific criteria. A few popular companies and some of their more popular discounts are shown below.
- Farm Bureau offers premium reductions for safe driver, good student, renewal discount, youthful driver, and driver training.
- MetLife has discounts for good student, claim-free, accident-free, defensive driver, good driver, and multi-policy.
- Progressive policyholders can earn discounts including continuous coverage, good student, online quote discount, multi-policy, online signing, and homeowner.
- AAA has savings for pay-in-full, anti-theft, AAA membership discount, education and occupation, good student, multi-policy, and good driver.
- American Family offers discounts including early bird, accident-free, defensive driver, multi-vehicle, and TimeAway discount.
- GEICO may have discounts that include anti-lock brakes, emergency military deployment, air bags, multi-vehicle, membership and employees, driver training, and federal employee.
- State Farm includes discounts for Drive Safe & Save, good student, accident-free, anti-theft, multiple autos, and good driver.
The diagram below shows the difference between insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no claims, a clean driving record, Nebraska state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, multiple vehicle, safe-driver, anti-theft, vehicle safety, and marriage discounts applied. With discounts applied, theaverage amount saved on auto insurance for a Honda CR-V is 28% or $339.
Careless drivers pay higher rates
The common sense way to maintain good auto insurance rates for a CR-V is to drive carefully and avoid tickets and accidents. The diagram below highlights how speeding tickets and at-fault claims can impact car insurance rates for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of an auto insurance policy in Nebraska per year with no accidents and a clean driving record is $1,350. Get written up for one speeding ticket and the average cost rises to $1,530, an increase of $180 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Honda CR-V goes up to an average of $2,029. That’s an increase of $679, or $57 per month, just for not being a responsible driver!
The example below demonstrates how choosing different deductibles can raise or lower insurance rates when searching for cheap insurance for a Honda CR-V. The rate quotes are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could save $206 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $310 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could save up to $508 each year by selecting a higher deductible.
When choosing a higher deductible, it will be required to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.