Finding cheaper car insurance for a Honda CR-V in California is pretty easy for most people to do, but it hinges on a pretty complex algorithm that uses a lot of factors such as how safe your vehicle is, your address, and your choice of physical damage deductibles. Drivers will pay around $1,407 each year to insure their CR-V, but that is a valuation calculated based on a 40-year-old single female driver with full physical damage coverage and $100 deductibles.
But there is a high probability that you aren’t exactly 40 years old or even a female, possibly married instead of single, or maybe you just want liability only instead of full coverage. Even a minor difference in rating variables or coverage information may result in a big change in the coverage rate.
The different assumptions illustrate why the way we recommend to find cheap insurance prices for your Honda is to compare as many rates as possible. Comparing quotes is easy and you will get price quotes from the best auto insurance companies that offer coverage in California.
The trim level of your vehicle impacts the cost of insurance, so the rate you will pay to insure a CR-V LX 2WD trim level will be $48 less than the price to insure the fancier CR-V EX-L 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| CR-V EX 2WD | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| CR-V LX 4WD | $318 | $638 | $488 | $28 | $146 | $1,618 | $135 |
| CR-V EX 4WD | $366 | $638 | $488 | $28 | $146 | $1,666 | $139 |
| CR-V EX-L 2WD | $366 | $638 | $488 | $28 | $146 | $1,666 | $139 |
| CR-V EX-L 4WD | $366 | $638 | $488 | $28 | $146 | $1,666 | $139 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can revise premium rates noticeably.
Establishing which company quotes the cheapest insurance rates for a Honda CR-V takes a bit more effort than just comparing a company or two. Every insurance provider has their own guidelines for setting rates, so let’s look at the rankings for the lowest cost insurance companies in California.
It’s important that readers know that Fresno, CA insurance rates are impacted by many factors that can increase the price you have to pay. Simply getting older, buying a different vehicle, or getting a couple of tickets can cause premium changes resulting in some rates now being more affordable than competitors.
Best Insurance Companies for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,513 |
| 9 | GEICO | $1,529 |
| 10 | Progressive | $1,542 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
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USAA generally has some of the lowest car insurance rates in Fresno at around $1,143 per year. This is $508 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the most economical Fresno, CA insurance companies.
As depicted above, if you currently have a policy with Nationwide and switched to Wawanesa, you may realize savings of about $93. Drivers with 21st Century may save as much as $181 a year, and Grange customers might cut rates by $320 a year.
Remember that these policy prices are averaged across all insureds and vehicles and and are not calculated with an exact location for a Honda CR-V. So the insurer that fits your situation best may not even be in the top 24 companies in the list above. That’s why you need to compare rates from multiple companies using your own specific driver and vehicle information.
Discount Fresno insurance
Car insurance companies that offer quotes for a Honda CR-V may also provide price discounts that could potentially reduce rates by as much as 40% or more if you are eligible to receive them. A list of companies and some of their more popular discounts include:
- AAA may include discounts for AAA membership discount, multi-car, education and occupation, pay-in-full, good driver, good student, and anti-theft.
- Progressive policyholders can earn discounts including online signing, continuous coverage, online quote discount, homeowner, multi-vehicle, multi-policy, and good student.
- State Farm offers discounts for defensive driving training, multiple autos, safe vehicle, multiple policy, and accident-free.
- Esurance includes discounts for good driver, online shopper, Pac-12 alumni, safety device, Switch & Save, and multi-policy.
- Nationwide may offer discounts for anti-theft, Farm Bureau membership, business or organization, family plan, defensive driving, and accident-free.
The illustration below shows the comparison of premium costs with and without discounts applied to the rates. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, passive restraint, marriage, vehicle safety, safe-driver, and multiple vehicle discounts applied. When taking advantage of discounts, the amount saved on insurance for a Honda CR-V is 28% or $500.
Responsible drivers pay cheaper Fresno insurance rates
In a perfect world, the ideal way to enjoy the best insurance prices in Fresno for a CR-V is to pay attention while driving and avoid at-fault accidents and violations. The example below shows how violations and accidents can drive up auto insurance costs for different categories of driver ages. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,849. Factor in one speeding ticket and the average cost hikes up to $2,088, an increase of $239 each year. Then add in one accident along with the one speeding ticket and the annual cost of insurance for a Honda CR-V increases to an average of $2,744. That’s an increase of $895, or $75 per month, just for not keeping your driving record clean!
Last year’s bargain might be this year’s rip off
Fresno, CA insurance rates are based on many factors that will increase or decrease the price of coverage. Getting older, having a claim, or getting a driving violation can cause premium changes that may make certain companies more affordable than competitors. Also, companies file new California auto insurance rates every year to ensure their profitability. Larger than normal claims can result in additional price hikes, while a profitable period may cause cheaper CR-V insurance rates.
For example, the data below shows the company with the cheapest car insurance in Fresno, CA for a 30-year-old female driver with no prior accidents, a clean driving record, and solid credit. Based on her current risk factors, USAA might quote the best car insurance rates in Fresno at $1,336 a year. This is $315 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison an at-fault accident, poor credit, and a few blemishes on her driving record. Because each company uses their own formula for setting rates, comparing rates may now result in a different set of companies as shown below.
Mercury now has the cheapest rate in Fresno with Grange, Progressive, Allstate, and GEICO now being in the top five. This shows why consumers need to do a thorough rate comparison when trying to get the best auto insurance quotes for a Honda CR-V. Prices can be determined by many different factors and change frequently, so the cheapest rate two years ago may now not even be in the top five.
Tips to find cheaper auto insurance for a Honda CR-V
It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help you buy low-cost coverage.
- Home or renters coverage can save on auto insurance
- Maintain a safe distance and avoid accidents
- Vehicles with good safety ratings have lower liability rates
- Improve your credit
- Remove physical damage coverage on older vehicles
- Keep rates low by shopping around frequently
The last suggestion is notably vital, as we emphasized in this write-up. Car insurance rates in Fresno change a lot, so you should be ready to buy from a new company if you find a cheaper price.
Many consumers stick with the same company and that’s fine, but it’s not a good idea if that inflexibility results in costing you a fortune every year. It only take a few minutes to compare rates and find cheaper auto insurance for a Honda CR-V.
The Fresno, CA, insurance agents below are a good start to aid you in deciding which coverage fits your budget, since some drivers aren’t sure which coverage they need and prefer to have professional advice when trying to find lower insurance rates for a Honda CR-V. It can be difficult to find the cheapest auto insurance company, so getting advice from a licensed agent can provide peace of mind knowing your policy gives you adequate protection. To find a Fresno insurance agency closest to you, click the button link following the list or click here to compare price quotes.
- Kurt Sieve – State Farm Insurance Agent
1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908 - Lynn Hamilton – State Farm Insurance Agent
6716 N Cedar Ave #210 – Fresno, CA 93710 – (559) 323-9800 - Farmers Insurance: Israel Cortes
5446 N Palm Ave #105 – Fresno, CA 93704 – (559) 230-1300 - Allstate Insurance: Frank Salvio
745 E Locust Ave Ste 109 – Fresno, CA 93720 – (559) 449-1603