Buying cheaper insurance for a Honda CR-V in California is pretty easy to do, but it hinges on lots of different factors such as your marital status, whether you are claim-free, and any prior driving citations you have received. Drivers in California will pay on average $1,121 a year for CR-V insurance, but that cost is an estimate calculated using a 40-year-old single male driver with full coverage and $500 deductibles.
Odds are that you are not 40 years old and maybe not even male, married instead of single, or maybe you prefer higher deductibles. Insurance is an individual thing, so the way we recommend to find cheap car insurance rates for your Honda is to compare as many rates as possible.
Find Cheaper Honda CR-V Insurance
The specific trim level impacts the coverage cost, so the rate you will pay to insure a CR-V LX 2WD trim level will be $36 less expensive the cost to insure the more expensive CR-V EX-L 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $236 | $438 | $454 | $26 | $136 | $1,290 | $108 |
| CR-V EX 2WD | $236 | $438 | $454 | $26 | $136 | $1,290 | $108 |
| CR-V LX 4WD | $236 | $438 | $454 | $26 | $136 | $1,290 | $108 |
| CR-V EX 4WD | $272 | $438 | $454 | $26 | $136 | $1,326 | $111 |
| CR-V EX-L 2WD | $272 | $438 | $454 | $26 | $136 | $1,326 | $111 |
| CR-V EX-L 4WD | $272 | $438 | $454 | $26 | $136 | $1,326 | $111 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in garaging location in Stockton which can decrease or increase prices noticeably.
Comparing quotes for low-cost auto insurance is difficult, and finding out which companies quote the most affordable insurance rates for a Honda CR-V will require even more perseverance. Every insurance provider uses different criteria for establishing rates, so let’s begin by examining the most affordable insurance companies in California.
Find the Best Cheap Insurance for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,733 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,946 |
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USAA may offer some of the best car insurance rates in Stockton at around $1,109 a year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the cheapest Stockton, CA car insurance companies.
In the above example, if you currently have coverage with CSAA and switched to Wawanesa, you could earn a yearly savings of upwards of $41. Drivers with Nationwide might save as much as $69 a year, and 21st Century policyholders might lower prices by $209 a year.
To get a quick, customized rate comparison, click here to get quotes or quote rates from the companies below.
Bear in mind that those premiums are averaged across all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for a Honda CR-V. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
Types of discounts on Stockton insurance rates
Insurance companies that provide coverage for a Honda CR-V may also give you policy discounts that could reduce prices by 35% or more if you are eligible. Companies and a summarized list of policyholder discounts are:
- Progressive has discounts for online signing, homeowner, multi-vehicle, multi-policy, online quote discount, continuous coverage, and good student.
- The Hartford has savings for defensive driver, bundle, air bag, driver training, and vehicle fuel type.
- Mercury Insurance policyholders can earn discounts including ease of repair, multi-policy, annual mileage, location of vehicle, professional/association, and multi-car.
- GEICO may offer discounts for anti-theft, anti-lock brakes, driver training, federal employee, and seat belt use.
- AAA may have discounts that include good driver, pay-in-full, education and occupation, multi-car, anti-theft, and AAA membership discount.
- State Farm offers discounts for Steer Clear safe driver discount, Drive Safe & Save, student away at school, accident-free, multiple policy, safe vehicle, and good driver.
The illustration below shows the comparison of insurance premiums with and without discounts applied to the premium. The information is based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with accident-free, claim-free, vehicle safety, multiple policy, defensive driving course, and marriage discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for a Honda CR-V is 28% or $493.
The information below demonstrates how deductibles can affect insurance costs when getting quotes for cheap insurance for a Honda CR-V. The information is based on a married female driver, full coverage, and no additional discounts are factored in.
A 50-year-old driver could lower their policy premium by $314 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $478 by selecting a $1,000 deductible. Young drivers, like the age 20 example, could shave $784 or more by using a higher deductible.
When increasing deductibles, it will be important to have additional savings on hand to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Safe drivers pay less for insurance
The best way to score cheap insurance premiums for a CR-V is to drive safely and avoid getting tickets or having accidents. The information below shows how violations and at-fault accidents influence insurance costs for different insured age categories. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the example above, the average cost of car insurance in Stockton per year with no violations or accidents is $1,799. Get two speeding tickets and the average cost swells to $2,396, an increase of $597 each year. Then add in one accident along with the two speeding tickets and the annual cost of insurance for a Honda CR-V goes up to an average of $2,993. That’s an increase of $1,195, or $100 per month, just for not driving safely!
The agents listed below can most likely provide answers to your questions and help you determine which coverages are best, since some drivers wish to have some professional guidance when shopping around for cheaper insurance for a CR-V. It can be time-consuming to do it yourself, so insurance agents licensed in the state of California can provide comfort knowing your coverage gives you adequate protection in the event of a claim. To locate a Stockton insurance agent closest to you, click the button at the bottom of the list or click here to compare price quotes.
- Banuelos Insurance Agency
2300 Waterloo Rd – Stockton, CA 95205 – (209) 513-3248 - C.Chuck Taylor Insurance Agency
9210 Thornton Rd # 5 – Stockton, CA 95209 – (209) 477-2234 - Farmers Insurance
6 W Main St # J – Stockton, CA 95202 – (209) 463-0267 - Sanguinetti and Co Insurance Brokers
7337 Pacific Ave – Stockton, CA 95207 – (209) 322-4048