Finding cheap auto insurance for a Honda CR-V in Pennsylvania is dependent upon a lot of things such as whether you are single or married, the likelihood of your vehicle being stolen, and the deductible amount you use. Drivers in Pennsylvania will pay around $961 each year for CR-V insurance, but that amount is calculated using a 30-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
More likely than not, you are not 30 years old and maybe not even male, possibly married instead of single, or maybe you have a teen driver on your policy that needs to be considered. There is no perfect policy for every driver, so the way we recommend to find the cheapest coverage for your Honda is to do a thorough rate comparison. It only takes a couple of minutes and you will receive rate quotes from top-rated car insurance companies around.
The specific model of CR-V tends to have a direct impact on the insurance rate, so the rate you pay to insure a CR-V LX 2WD will be $38 lower than the price to insure the high end CR-V EX-L 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$252||$352||$366||$22||$110||$1,102||$92|
|CR-V EX 2WD||$252||$352||$366||$22||$110||$1,102||$92|
|CR-V LX 4WD||$252||$352||$366||$22||$110||$1,102||$92|
|CR-V EX 4WD||$290||$352||$366||$22||$110||$1,140||$95|
|CR-V EX-L 2WD||$290||$352||$366||$22||$110||$1,140||$95|
|CR-V EX-L 4WD||$290||$352||$366||$22||$110||$1,140||$95|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in garaging location in Pittsburgh which can change coverage rates considerably.
Finding a highly-rated car insurance provider is difficult considering how many different companies sell coverage in Pennsylvania. The information below can help you pick which insurers you want to consider to insure your vehicles.
These ratings only include the largest companies in America, so companies with more of a regional focus will not be included in this list. To compare prices from the most competitive companies in Pennsylvania, just click here.
Top 10 Major Auto Insurance Companies in Pittsburgh Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Major Auto Insurance Companies in Pittsburgh Ranked by Customer Satisfaction
- Titan Insurance – 93%
- The Hartford – 93%
- The General – 91%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- Erie Insurance – 87%
- State Farm – 87%
- Travelers – 87%
- Safeco Insurance – 86%
Safe drivers pay cheaper rates
One of the best ways to score low car insurance premiums in Pittsburgh for a CR-V is to be a good driver and avoid accidents and violations. The example below highlights how speeding tickets and accidents can influence insurance costs for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance in Pittsburgh per year with no accidents or violations is $1,324. Receive two speeding tickets and the average cost swells to $1,760, an increase of $436 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Honda CR-V goes up to an average of $3,584. That’s an increase of $2,260, or $188 per month, just for not driving carefully!
Why you should be shopping around
Pittsburgh car insurance rates are determined by lots of factors that can increase the price you pay. Simply having a birthday, filing a claim, or getting caught speeding can trigger rate changes that can now make some companies cheaper than competitors. In addition, insurers amend premium rates every year or even multiple times each year to help ensure profitability. Higher than normal claim frequency or severity may result in price increases, while less frequent claims can result in cheaper CR-V insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Pittsburgh, PA for a 40-year-old female driver with no prior claims, no tickets, and a good credit history. When quoting prices based on her current risk profile, General Casualty might offer the lowest car insurance rates in Pittsburgh at $888 annually. This is $769 less than the average policy premium paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are the remainder of the most affordable Pittsburgh, PA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example a claim surcharge, poor credit, and a traffic citation. Because each company has their own unique process to set their prices, comparing quotes most likely will result in a different set of cheap Pittsburgh auto insurance companies as shown below.
Atlantic States now has the best insurance rate in Pittsburgh, PA with Amica, Donegal Mutual, Travelers, and GEICO also being competitive. This shows why Pittsburgh drivers need to shop around when trying to find the cheapest auto insurance quotes for a Honda CR-V. Insurance rates can be altered by many different factors and can increase or decrease at any time, so the most economical company when you bought your policy may now not even be in the top five.