Who Has Affordable Car Insurance Quotes for a Honda CR-V in Tulsa?

Buying cheaper car insurance for a Honda CR-V in Oklahoma doesn’t take a ton of time, but it relies on lots of different rating factors such as how many years you have been driving, if you have a tendency to file claims, and your motor vehicle report. Oklahoma drivers pay on average $1,249 per year for CR-V insurance, but that figure is an estimate based on a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.

But there is a high probability that you may not be 50 years old (or even female), you might be married instead of single, or you just want cheap liability insurance instead of full coverage. Have just a small change in rating variables or coverage information could result in a significant change in the price of coverage.

Each driver’s needs are different, and that demonstrates why the best way to find cheap insurance rates for your Honda is to compare rates from as many companies as possible. Comparing quotes is easy and you can get rates from some of the cheapest companies that sell coverage in Oklahoma.

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The specific trim level tends to impact the cost of coverage, so the price to insure a CR-V LX 2WD trim level will be $42 less than the price to insure the more expensive CR-V EX-L 4WD version, as shown below.

Honda CR-V Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $290 $562 $430 $26 $128 $1,436 $120
CR-V EX 2WD $290 $562 $430 $26 $128 $1,436 $120
CR-V LX 4WD $290 $562 $430 $26 $128 $1,436 $120
CR-V EX 4WD $332 $562 $430 $26 $128 $1,478 $123
CR-V EX-L 2WD $332 $562 $430 $26 $128 $1,478 $123
CR-V EX-L 4WD $332 $562 $430 $26 $128 $1,478 $123
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in Tulsa location which can increase or decrease price quotes noticeably.

Selecting a highly-rated company is difficult considering how many companies are available to choose from in Oklahoma. The information listed below can help you pick which insurers you want to consider purchasing coverage from. The rankings below are only comprised of large, nationwide insurance companies, so smaller regional companies are not factored into these rankings.

Top Car Insurance Companies for a Honda CR-V in Oklahoma
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
Mercury Insurance 97 96 88 89% A+ 93.4
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
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

Full coverage rates compared to liability-only

Finding cheaper car insurance is probably important to most vehicle owners, and a great way to pay lower rates for insurance for a Honda CR-V is to not insure for full coverage. The diagram below shows the comparison of insurance costs with and without physical damage coverage. The price estimates are based on no claims or violations, $100 deductibles, single marital status, and no discounts are taken into consideration.

If we average the cost for all age groups, physical damage coverage on your policy costs $2,564 per year more than buying just liability insurance. At some point, about every driver wonders if you should buy full coverage. There is no definitive guideline of when to eliminate physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

Can you find cheaper CR-V insurance?

Tulsa car insurance rates are influenced by many factors that may substantially change the price you have to pay. Turning one year older, buying a home, or getting a reckless driving citation may generate price changes that may make certain companies affordable when they were higher priced. Additionally, insurers change rates without warning in order to maintain liquidity for claims. Higher than usual claims may cause rate increases, while a better claims history may produce cheaper CR-V insurance rates.

To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in Tulsa, OK for a 40-year-old female driver with no prior accidents, a clean driving record, and good financial standing. Based on her current risk factors, USAA quotes the best car insurance rates in Tulsa at $1,351 annually. This is $616 less than the average rate paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, The Hartford, and Farmers are the remaining cheapest Tulsa, OK auto insurance companies.

The example below compares rates after we give the driver from above some claims, less-than-perfect credit, and a speeding citation. Since each insurance company has a unique formula to establish rates, comparing rates will most likely result in a different list of affordable Tulsa car insurance companies as shown below.

State Farm now has the cheapest car insurance in Tulsa, OK with Oklahoma Farmers Union, Liberty Mutual, GEICO, and The Hartford now being in the top five. This demonstrates why it is crucial to compare rates to get the most economical car insurance rates for a Honda CR-V.

Prices are influenced by many factors and can decrease or increase without notice, so the most economical company two years ago may now be an over-priced policy.