Best Cheap Insurance Quotes for a Honda CR-V in California

Your chances of buying affordable car insurance for a Honda CR-V in California depends upon a lot of rating criteria such as the mileage of your daily commute, if you have a coverage lapse, and any prior driving offenses you have. Drivers will pay on average $1,160 per year for CR-V insurance, but that amount is an estimation based on rates for a 30-year-old single male driver who requires full coverage including both comprehensive and collision and $500 policy deductibles.

More than likely, you are not 30 and possibly not even male, you might be married instead of single, or maybe you have a couple of speeding tickets. There is no one cookie-cutter policy that works for everyone, so the only way to find the cheapest insurance price for your Honda is to start the habit of comparing rates at least once a year.

View Honda CR-V Insurance Rates

Your Honda’s trim level tends to have a direct effect on the coverage cost, so the cost to insure a CR-V LX 2WD trim level will be $40 cheaper than the cost to insure the more well-appointed CR-V EX-L 4WD trim level, as shown in the chart below.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in garaging location in California which can alter price quotes considerably.

Finding reasonably-priced car insurance is challenging, and finding out which companies have the most affordable insurance rates for a Honda CR-V requires a bit more work. Each insurer uses their own method to determine rates, so we’ll go over the most budget-friendly insurance companies in California.

We do need to point out that California insurance rates are impacted by many things that may substantially change your annual premium. Simply having another birthday, increasing deductibles, or getting caught speeding can trigger price changes resulting in some companies being higher-priced than the competition.

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USAA offers some of the best car insurance rates in California at around $1,143 per year. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the best California auto insurance companies.

In the above rates, if you currently have coverage with Wawanesa and switched to USAA, you may realize an annual savings of in the vicinity of $14. Policyholders with CSAA may save as much as $55 a year, and Century National customers might lower prices by $83 a year.

To find the best cheap insurance for a Honda CR-V in California for your vehicle, click here or click several companies below for low rates.

Understand that those estimates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Honda CR-V. So the auto insurance company that fits your situation best may not even be included in the list of companies shown earlier. That underscores the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

How to get discounts on California auto insurance

Insurance companies that sell the best cheap insurance for a Honda CR-V in California could also offer discounts that could potentially reduce rates by as much as 25% or more if you are eligible. Larger insurance companies and the discounts they provide are included below.

• State Farm may offer discounts for good student, safe vehicle, passive restraint, defensive driving training, multiple autos, multiple policy, and student away at school.
• GEICO may have discounts that include anti-theft, seat belt use, daytime running lights, federal employee, military active duty, and emergency military deployment.
• SAFECO offers premium reductions for teen safe driver, multi-car, teen safety rewards, drive less, homeowner, and bundle discounts.
• Farmers Insurance offers discounts for multi-car, homeowner, bundle discounts, distant student, teen driver, mature driver, and electronic funds transfer.
• AAA discounts include AAA membership discount, education and occupation, anti-theft, multi-policy, and pay-in-full.
• USAA includes discounts for defensive driver, safe driver, new vehicle, multi-vehicle, driver training, and loyalty savings.

The information below compares insurance rates with and without discounts applied. The premiums assume a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, defensive driving course, safe-driver, anti-theft, vehicle safety, and accident-free discounts applied. When these discounts are applied to the policy premium, the the amount saved on insurance for a Honda CR-V is 28% or $576.

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Bad driving habits will cost you more

The common sense way to snag the best cheap insurance for a Honda CR-V in California is to drive carefully and have a clean driving record. The chart below demonstrates how citations and fender-benders can affect car insurance costs for each different age category. The data is based on a married male driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

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In the example above, the average cost of a car insurance policy in California per year with a clean driving record and no accidents is $1,975. Get written up for one speeding ticket and the average cost surges to $2,269, an increase of $294 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for a Honda CR-V jumps again to an average of $3,087. That’s an increase of $1,112, or $93 per month, just for not paying attention while driving!

Allstate, Geico, Progressive, and State Farm: Who is cheapest?

If you are looking for the best insurance for a CR-V in California, some of the first companies to look at are Allstate, Geico, Progressive, and State Farm. When added together, they make up about 50% of all car insurance policies written. All of them offer liability and physical damage protection, but each on has different options that you can select from. The next table points out ratings for price, service, and claims, in additional to some of the optional coverages that may be available in your state.