Buying cheaper car insurance for a Honda CR-V in California is dependent upon many different factors such as driver age, if you have a tendency to file claims, and physical damage deductibles. California drivers will pay on average $871 each year to insure their CR-V, but that cost is an approximation calculated using a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
Odds are that you’re not a 50-year-old male, maybe you are single instead of married, or maybe you just want different deductibles. Just a very minor change in rating factors or requested coverage amount can result in a large change in rates.
The different assumptions illustrate why the best method for finding the cheapest rates for your Honda is to just take the time to compare rates yourself. Comparing quotes is easy and you will be able to see rates from some of the best companies that insure Honda vehicles in California.
Vehicle trim level impacts the yearly cost, so the rate you will pay to insure a CR-V LX 2WD trim level will be $28 less expensive the insurance cost for the high end CR-V EX-L 4WD model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $188 | $324 | $360 | $22 | $108 | $1,002 | $84 |
| CR-V EX 2WD | $188 | $324 | $360 | $22 | $108 | $1,002 | $84 |
| CR-V LX 4WD | $188 | $324 | $360 | $22 | $108 | $1,002 | $84 |
| CR-V EX 4WD | $216 | $324 | $360 | $22 | $108 | $1,030 | $86 |
| CR-V EX-L 2WD | $216 | $324 | $360 | $22 | $108 | $1,030 | $86 |
| CR-V EX-L 4WD | $216 | $324 | $360 | $22 | $108 | $1,030 | $86 |
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Estimates do not factor in your specific San Francisco location which can increase or decrease price quotes significantly.
San Francisco insurance companies ranked
Insuring your vehicle with a high-quality insurance company can be rather challenging considering how many choices there are in San Francisco. The company ratings displayed below can help you choose which car insurance companies to look at shopping prices with. These rankings are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in California are not taken into consideration for this list.
Top 10 Large Car Insurance Companies in San Francisco Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
How to get discounts on San Francisco car insurance
Auto insurance companies that provide policies for a Honda CR-V could also offer rate discounts that may potentially lower prices by 25% or more if you meet specific eligibility requirements. A list of companies and a partial list of their discounts can be read below.
- State Farm may offer discounts for good driver, student away at school, multiple policy, accident-free, driver’s education, and defensive driving training.
- Esurance offers discounts for emergency road assistance, online quote, anti-theft, good driver, good student, and homeowner.
- Progressive policyholders can earn discounts including multi-policy, online quote discount, homeowner, multi-vehicle, continuous coverage, good student, and online signing.
- Liberty Mutual offers discounts including safety features, good student, newly retired, preferred payment discount, multi-car, teen driver discount, and hybrid vehicle.
- Auto-Owners Insurance offers premium reductions for paid in full, mature driver, student away at school, paperless, safe driver, and group or association.
- GEICO may have discounts that include five-year accident-free, membership and employees, anti-theft, military active duty, multi-policy, and defensive driver.
The diagram below shows the comparison of insurance rates with and without discounts applied to the policy rates. The price estimates are based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, safe-driver, accident-free, vehicle safety, homeowner, and defensive driving course discounts applied. When drivers qualify for the discounts, the average savings per year on insurance for a Honda CR-V is 28% or $549.
Drive responsibly or pay higher rates
The best way to receive good insurance prices in San Francisco for a CR-V is to drive safe and avoid accidents and traffic violations. The example below demonstrates how citations and accident claims raise auto insurance rates for each age group. Data assumes a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,418. Factor in two speeding tickets and the average cost surges to $2,003, an increase of $585 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for a Honda CR-V goes up to an average of $4,452. That’s an increase of $3,034, or $253 per month, just for being a less-than-perfect driver!
Does full coverage make sense?
Saving money when shopping for insurance is important to the majority of drivers, and one great way to pay less for insurance for a Honda CR-V is to not buy comprehensive and collision coverage. The diagram below illustrates the comparison of insurance premiums with full physical damage coverage and with liability coverage only. The information is based on no violations or claims, $100 deductibles, marital status is single, and no discounts are applied.
If we average all the age groups together, physical damage coverage costs an additional $2,586 per year over and above liability only. At some point, about every driver wonders when is it a good idea to stop buying full coverage. There is no set guideline of when to stop paying for full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s pretend your vehicle’s claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for your policy with full coverage, then it might be time to buy liability only.
If you like to have some professional guidance when comparing insurance rates for a CR-V, the agents shown below can answer your questions and help you decide which coverages you need.
To find a San Francisco insurance agency nearest to you, click the link after the list.
Lynn Petrie Lange – State Farm Insurance Agent
3717 Buchanan St #100 – San Francisco, CA 94123 – (415) 923-0192
Carrie Insurance
2126 Sutter St – San Francisco, CA 94115 – (415) 567-7660
Milber Health Insurance Agent
1492 11th Ave – San Francisco, CA 94122 – (415) 564-8829
CAL Insurance and Associates
2311 Taraval St – San Francisco, CA 94116 – (415) 661-6500
Barulich Insurance Agency
San Francisco Pier 33 – Alcatraz Island #203 – San Francisco, CA 94111 – (415) 616-5911