Who Has the Cheapest Detroit Auto Insurance Rates for a Honda CR-V?

Finding the cheapest insurance for a Honda CR-V in Michigan is dependent upon lots of different factors such as how old the vehicle is, your credit rating, and if you have a history of accidents. Michigan drivers pay around $1,637 annually to insure their CR-V, but that figure is a valuation based upon a 50-year-old married female driver with full physical damage coverage and $100 deductibles.

But there is a high probability that you are not 50 and maybe not even a female, maybe you are single instead of married, or maybe you want different physical damage deductibles. Not everyone needs the same coverages, so the only real way to find cheap auto insurance rates for your Honda is to put in the effort to do a thorough rate comparison. Do a quick rate comparison now and you will receive rate quotes from the cheapest companies around.

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The trim level of your vehicle tends to have a direct impact on the cost of insurance, so the price you pay to insure a CR-V LX 2WD will be $60 cheaper than the price to insure the higher-priced CR-V EX-L 4WD trim level, as shown below.

Honda CR-V Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $398 $732 $552 $32 $166 $1,880 $157
CR-V EX 2WD $398 $732 $552 $32 $166 $1,880 $157
CR-V LX 4WD $398 $732 $552 $32 $166 $1,880 $157
CR-V EX 4WD $458 $732 $552 $32 $166 $1,940 $162
CR-V EX-L 2WD $458 $732 $552 $32 $166 $1,940 $162
CR-V EX-L 4WD $458 $732 $552 $32 $166 $1,940 $162
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in your specific Detroit location which can decrease or increase premium rates considerably.

Shopping around for low-priced insurance is difficult, and finding out which insurers offer the most affordable car insurance rates for a Honda CR-V requires additional perseverance. Every insurance company uses their own method for determining rates in each state, so let’s take a look at the lowest cost car insurance companies in Detroit, MI.

Cheapest Insurance Rates for Your Honda

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Rankings for the cheapest car insurance companies in Michigan
Rank Company Cost Per Year
1 USAA $949
2 GEICO $1,003
3 Safeco $1,069
4 MetLife $1,324
5 Chubb $1,386
6 MEEMIC $1,394
7 Pioneer State Mutual $1,444
8 Hastings Mutual $1,595
9 Auto-Owners $1,702
10 Frankenmuth $1,713
11 SECURA $1,832
12 Progressive $1,923
13 Wolverine Mutual $2,147
14 Allmerica $2,292
15 Allied $2,309
16 Grange Mutual $2,322
17 Hanover $2,399
18 Auto Club Group $2,489
19 Nationwide $2,593
20 Farm Bureau $2,651
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USAA may have some of the best car insurance rates in Detroit at around $949 per year. GEICO, Safeco, MetLife, and Chubb would also make the list of some of the best Detroit, MI auto insurance companies.

In this example, if you are a customer of MetLife and switched to GEICO, you might see an annual savings of around $321. Policyholders with Chubb may save as much as $383 a year, and MEEMIC customers might reduce rates by $391 a year.

To see if you’re overpaying, click here to start your free quote or feel free to get quotes from the companies below.

Understand that those rates are averages across all drivers and vehicles and do not factor in a specific zip code for a Honda CR-V. So the auto insurance company that has the cheapest price for you may not even be in the top 30 companies shown above. That’s why you need to get quotes using your own personalized driver profile and vehicle information.

Get discounts on Detroit insurance rates

Discounts on car insurance for a Honda CR-VInsurance companies that sell policies for a Honda CR-V may also give you premium discounts that can lower rates by as much as 40% or more if you are eligible for them. Large car insurance companies and their possible discounts are outlined below.

The information below shows the difference between premium costs with and without discounts. The premium estimates are based on a female driver, no accidents, no driving violations, Michigan state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, passive restraint, multiple policy, marriage, defensive driving course, and multiple vehicle discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for a Honda CR-V is 28% or $859.

Are you paying too much for car insurance?

Detroit, MI car insurance rates are determined by lots of factors that control the price you have to pay for coverage. Turning one year older, buying another vehicle, or getting a driving violation may prompt premium changes that can now make some companies more affordable than before. And not only may your rating factors change, but insurers amend premium rates without warning to reflect underwriting profits or losses. An extended period of higher than normal claims can result in a rate increase, while lower claim expenses may result in lower-cost CR-V insurance rates.

For example, the data below shows which companies have the cheapest car insurance in Detroit, MI for a 30-year-old male driver with a good driving record, no prior claims, and excellent credit. If we compare prices based on his current risk factors, USAA has the lowest car insurance rates in Detroit at $2,234 per year. This is $159 less than the average policy premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb are the remaining best Detroit, MI auto insurance companies.

In this next rate comparison, we will give the driver from above a claim or two, slightly worse credit, and a few traffic violations. Due to the fact that each insurance company uses a different method to establish rates, comparing prices may result in a completely different list of the cheapest car insurance companies in Detroit as shown below.

Safeco now has the best insurance rate in Detroit with GEICO, Pioneer State Mutual, USAA, and Auto-Owners now being in the top five. This shows why it is so important to perform a complete rate comparison when trying to get the most affordable car insurance quotes for a Honda CR-V.

Auto insurance prices are determined by many things and can change substantially, so the best price two years ago may now not even be in the top five.