Finding cheap coverage for a Honda CR-V depends on a large number of rating criteria such as whether you own a home, where you live, and your motor vehicle report. Drivers in California will pay on average $982 each year for CR-V insurance, but that figure is a projection based on a 30-year-old married female driver with full physical damage coverage and $500 deductibles.
This brings up the issue that more than likely you’re not a 30-year-old female, maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. Every driver’s needs are different, and that is why the way we recommend to find the cheapest rates for your Honda is to just compare rates yourself. Quotes only take a couple of minutes and you will receive price comparisons from the best companies that offer coverage in California.
Your vehicle’s trim level impacts the cost of coverage, so the price you pay to insure a CR-V LX 2WD model will be $36 cheaper than the price to insure the more costly CR-V EX-L 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$234||$374||$384||$22||$114||$1,128||$94|
|CR-V EX 2WD||$234||$374||$384||$22||$114||$1,128||$94|
|CR-V LX 4WD||$234||$374||$384||$22||$114||$1,128||$94|
|CR-V EX 4WD||$270||$374||$384||$22||$114||$1,164||$97|
|CR-V EX-L 2WD||$270||$374||$384||$22||$114||$1,164||$97|
|CR-V EX-L 4WD||$270||$374||$384||$22||$114||$1,164||$97|
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in zip code location which can impact rates noticeably.
Finding out which companies quote the best auto insurance rates for a Honda CR-V involves more time than just comparing rates from one or two companies.
Each insurer uses their own calculation for setting rates, so let’s take a look at the most affordable auto insurance companies in Sacramento, CA.
Best Insurance Companies for Your Honda
|Rank||Company||Cost Per Year|
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USAA may have some of the lowest car insurance rates in Sacramento at around $1,143 per year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable Sacramento, CA insurance companies.
In the above example, if you buy coverage from Nationwide and switched to Wawanesa, you may see an annual savings of in the vicinity of $93. Insureds with 21st Century might save as much as $222 a year, and Grange insureds might realize rate reductions of up to $290 a year.
To find out how your current rates compare, click here to get quotes or feel free to get quotes from the companies below.
Be aware that those estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific zip code for a Honda CR-V. So the insurer that can offer you the best rate may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.
Impact of violations and accidents on rates in Sacramento
In a perfect world, the best way to score affordable auto insurance premiums for a CR-V is to be a safe driver and maintain a clean driving record. The diagram below shows how speeding tickets and at-fault collisions can increase auto insurance rates for different ages of insureds. The prices are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance per year with a clean driving record and no accidents is $2,452. Add in one speeding ticket and the average cost rises to $2,777, an increase of $325 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for a Honda CR-V increases to an average of $3,686. That’s an increase of $1,233, or $103 per month, just for not driving carefully!
Last year’s bargain might be this year’s rip off
Sacramento, CA auto insurance rates are impacted by many factors which can significantly increase or decrease the price you pay for coverage. Turning one year older, having a teenage driver, or getting a few speeding tickets can cause premium changes resulting in some companies being cheaper than competitors. Not only may your risk profile change, but car insurance companies change the rates they charge in California multiple times each year to adjust for unexpected claims or profits. A period of increased losses may cause increased policy costs, while lower claim expenses may produce lower-priced CR-V insurance rates.
As an example, the bar chart below shows the cheapest car insurance in Sacramento, CA for a 30-year-old male driver with no violations or accidents, and excellent credit. If we look at prices based on his current risk factors, USAA might quote the most affordable car insurance rates in Sacramento at $1,456 per year. This is $195 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA round out the rest of the top five cheapest Sacramento, CA auto insurance companies.
Now we will pretend the driver in the first chart an at-fault accident, a little lower credit rating, and an imperfect driving record. Due to the fact that every insurance company uses their own formula to set policy rates, comparing prices may now present a different ranking of cheap Sacramento auto insurance companies as shown below.
Grange now has the best insurance rate in Sacramento, CA with Mercury, Allstate, Progressive, and GEICO also being competitive. This shows why drivers need to compare lots of rates when trying to get the most economical car insurance quotes for a Honda CR-V.
Prices can be altered by many different factors and can change substantially, so the best price when you last compared rates may now not even be in the top five.
The Sacramento, CA, insurance agents below are a good start to help you determine which coverage meets your needs best, as some people prefer to have a consultation when shopping for cheaper insurance for a Honda CR-V. It can be hard to find the best coverage on your own, and a licensed agent can give comfort knowing you have enough protection.
To locate a Sacramento insurance agent using an interactive map, click the button after the list or click here to get price quotes now.
Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985
Eugene C. Yates Insurance Agency
2021 P St – Sacramento, CA 95811 – (916) 313-6100
Barbara Etrick – State Farm Insurance Agent
6332 Florin Rd – Sacramento, CA 95823 – (916) 822-5110
Bertolino Insurance Agency
9719 Lincoln Village Dr #409 – Sacramento, CA 95827 – (916) 384-9621
Brian Clark – State Farm Insurance Agent
2331 El Camino Ave – Sacramento, CA 95821 – (916) 488-2212
How to find cheaper insurance for a Honda CR-V
Below you’ll find some of the recommended thrifty suggestions that can help drivers quote cheaper car insurance.
- Violations like speeding or DUI increase rates
- Try to remain claim-free
- Buying home and auto insurance together can earn discounts
- Avoid accidents and claims
- Good credit scores may make rates cheaper
- Raise your deductibles
- Shop around for lower rates once a year
The last item on the list is particularly valuable, as was emphasized in the prior information. Auto insurance prices can change considerably in a year, so don’t be tentative to switch companies if a lower-cost policy is available. Having a favorite company is great, but we do not recommend it if that faithfulness ends up costing you lots of money. It takes less than five minutes to compare rates to find cheaper car insurance for a Honda CR-V in Sacramento.