Buying affordable coverage for a Honda CR-V in California can be pretty simple, but it depends on many factors such as annual vehicle mileage, the likelihood of your vehicle being stolen, and your driving record. Drivers will pay around $903 annually to insure their CR-V, but that price is an approximation using a 50-year-old single male driver with full physical damage coverage and $1,000 deductibles.
More likely than not, you’re not a 50-year-old male, possibly married instead of single, or maybe your CR-V doesn’t need full coverage. Car insurance coverage is unique to each driver, so this is why the best method for finding the most affordable coverage for your Honda is to do the rate comparisons yourself. Do a quick rate comparison now and you will get price quotes from some of the best companies around.
The trim level of your vehicle tends to impact the coverage cost, so the cost to insure a CR-V LX 2WD will be $24 cheaper than the price to insure the high end CR-V EX-L 4WD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$158||$306||$424||$26||$128||$1,042||$87|
|CR-V EX 2WD||$158||$306||$424||$26||$128||$1,042||$87|
|CR-V LX 4WD||$158||$306||$424||$26||$128||$1,042||$87|
|CR-V EX 4WD||$182||$306||$424||$26||$128||$1,066||$89|
|CR-V EX-L 2WD||$182||$306||$424||$26||$128||$1,066||$89|
|CR-V EX-L 4WD||$182||$306||$424||$26||$128||$1,066||$89|
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in vehicle garaging location which can revise insurance rates significantly.
Establishing which companies quote the best auto insurance rates for a Honda CR-V involves a bit more effort in order to find the best price.
Each company has a different process to establish rates, so we’ll go over the auto insurance companies with the most affordable rates in California.
Cheap Insurance Rates for Your Honda
|Rank||Company||Cost Per Year|
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Wawanesa may have some of the most affordable car insurance rates in Los Angeles at around $1,146 per year. USAA, Century National, CSAA, and Nationwide also qualify as some of the cheaper Los Angeles, CA auto insurance companies.
As illustrated above, if you are insured with CSAA and switched to USAA, you might see a yearly savings of about $43. Customers with Nationwide may save as much as $58 a year, and 21st Century insureds might reduce rates by $224 a year.
Bear in mind that those policy prices are averages for all drivers and vehicles and do not take into consideration a specific location for a Honda CR-V. So the car insurance company that has the cheapest rates for you may not even be in the top 24 companies in the list above. That illustrates why you need to compare prices as often as possible using your own driver and vehicle profiles.
How to get discounts on Los Angeles car insurance
Insurance providers that provide coverage for a Honda CR-V may have rate discounts that may potentially lower prices by 30% or more if you meet the requirements. Large auto insurance companies and a summarized list of policyholder discounts are outlined below.
- State Farm may have discounts that include good student, passive restraint, student away at school, multiple autos, Steer Clear safe driver discount, and Drive Safe & Save.
- American Family policyholders can earn discounts including bundled insurance, good student, multi-vehicle, Steer into Savings, early bird, air bags, and good driver.
- GEICO has discounts for defensive driver, federal employee, seat belt use, membership and employees, and anti-lock brakes.
- 21st Century offers premium reductions for air bags, teen driver, student driver, 55 and older, theft prevention, and defensive driver.
- Progressive may include discounts for multi-policy, continuous coverage, homeowner, online signing, and online quote discount.
The chart below shows the difference between premium costs with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, anti-theft, safe-driver, multiple vehicle, claim-free, and multiple policy discounts applied. When discounts are factored in, theamount saved on auto insurance for a Honda CR-V is 28% or $516.
The example below shows how choosing a deductible can influence yearly insurance costs when quoting cheap insurance for a Honda CR-V. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $322 a year by increasing from a $100 deductible up to a $500 deductible, or save $488 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old example, could lower their rates $1,062 each year by choosing a larger deductible amount.
If you do raise deductibles, it will be required to have enough spare savings to pay the extra out-of-pocket expense that comes with higher deductibles.
The insurance agencies below can help you determine which coverages you need, as some people prefer to have a little guidance when shopping for the best coverage for a Honda CR-V. It’s not always easy to find the cheapest rate yourself, and insurance agents licensed in the state of California can provide satisfaction knowing your coverage gives you sufficient coverage at claim time. To find an agent by location nearest to you, click the button after the list or click here to compare prices now.
- Diane Sinner – State Farm Insurance Agent
6535 Wilshire Blvd #117 – Los Angeles, CA 90048 – (323) 651-4775
- Leisha Willis – State Farm Insurance Agent
500 N Larchmont Blvd – Los Angeles, CA 90004 – (323) 785-4080
- Oleg Avanesov – State Farm Insurance Agent
12245 California Route 2 – Los Angeles, CA 90025 – (310) 826-8700
- State Farm: Pogos Ichmelyan
750 Colorado Blvd – Los Angeles, CA 90041 – (323) 257-1107
- Warren Bell – State Farm Insurance Agent
1111 S Grand Ave #102 – Los Angeles, CA 90015 – (213) 741-6000
How to find budget-friendly auto insurance for a Honda CR-V
Here are some of the recommended penny-pinching suggestions that can help you get cheap coverage.
- Save money by bundling your home and auto policies
- Avoid having at-fault accidents
- Save money by observing traffic laws and speed limits
- Pay for small claims rather than turning them in to your insurance company
- Safe vehicles generally have lower rates
- Compare quotes from other companies often
That last tip is especially important, as we stressed in the prior information. Prices charged by auto insurers in Los Angeles can be modified anytime, so don’t be afraid to buy a different policy if a lower-cost policy is available.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if your bullheadedness ends up costing you big bucks every year. Take a couple minutes and compare rates to find cheaper insurance for a Honda CR-V.