Buying affordable car insurance for a Honda CR-V in California is dependent upon a complicated rating formula that uses factors such as how far you commute, the condition of your credit, and citations on your driving record. California drivers will pay around $987 each year to insure their CR-V, but that is calculated using a 40-year-old single male driver with full coverage and $1,000 deductibles.
The problem with using this number is the good chance you may not be 40 years old (or even male), possibly married instead of single, or maybe you want different physical damage deductibles. Having just a slight change in rating criteria can result in a big discrepancy in how much coverage for a Honda CR-V costs.
Different coverage needs are the reason why the way we recommend to find cheap insurance rates for your Honda is to compare as many rates as possible. It’s really quite easy you will receive rate quotes from the best companies in California.
The specific model of CR-V will likely have an effect on the yearly cost, so the price you will pay to insure a CR-V LX 2WD model will be $26 less than the cost to insure the higher-priced 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 | $180 | $342 | $454 | $26 | $136 | $1,138 | $95 |
| CR-V EX 2WD | $180 | $342 | $454 | $26 | $136 | $1,138 | $95 |
| CR-V LX 4WD | $180 | $342 | $454 | $26 | $136 | $1,138 | $95 |
| CR-V EX 4WD | $206 | $342 | $454 | $26 | $136 | $1,164 | $97 |
| CR-V EX-L 2WD | $206 | $342 | $454 | $26 | $136 | $1,164 | $97 |
| CR-V EX-L 4WD | $206 | $342 | $454 | $26 | $136 | $1,164 | $97 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in Oakland location which can decrease or increase coverage prices substantially.
How to find a good Oakland insurance company
Choosing the highest-rated auto insurance company can be rather challenging considering how many companies there are in Oakland. The company ratings listed below can help you select which auto insurers you want to consider purchasing coverage from.
These ratings are only made up of the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not included in these rankings. To view rates from the most competitive companies in California, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
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Data Source: Insure.com Best Car Insurance Companies
Safe drivers pay less for insurance
The recommended way to enjoy good insurance rates for a CR-V is to drive attentively and avoid at-fault accidents and violations. The illustration below illustrates how violations and accident claims drive up premium costs for different insured age categories. The rates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
The chart shows that the average cost of auto insurance in Oakland per year with no accidents or violations is $1,833. Get written up for two speeding tickets and the average cost jumps to $2,604, an increase of $770 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Honda CR-V increases to an average of $5,390. That’s an increase of $3,557, or $296 per month, just for not keeping your driving record clean!
Get discount Oakland auto insurance rates
Insurance providers that sell policies for a Honda CR-V could also offer premium discounts that can reduce rates by 35% or more if you meet eligibility requirements. Large insurance companies and their offered discounts are detailed below.
- 21st Century has savings for homeowners, early bird, driver training, 55 and older, and air bags.
- State Farm may include discounts for driver’s education, good driver, student away at school, Steer Clear safe driver discount, anti-theft, and multiple autos.
- AAA discounts include AAA membership discount, multi-policy, anti-theft, good student, education and occupation, pay-in-full, and good driver.
- Liberty Mutual offers discounts for teen driver discount, new graduate, new vehicle discount, good student, and multi-policy.
- Progressive has discounts for homeowner, online signing, good student, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
The illustration below illustrates the difference between annual premium costs with and without discounts applied to the premium. The premiums are based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, safe-driver, claim-free, multiple policy, homeowner, and multiple vehicle discounts applied. In this example, theamount saved on insurance for a Honda CR-V is 28% or $661.
How much more does full coverage cost in Oakland?
Paying less for insurance is probably important to the majority of drivers, and an easy way to reduce the cost of insurance for a Honda CR-V is to not pay for full coverage. The illustration below illustrates the comparison of insurance costs with liability coverage only compared to full coverage. The data is based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are applied to the premium.
On average, physical damage coverage on your policy costs an additional $2,525 per year more than insuring for liability only. At some point, every insured wonders when is the right time to remove full coverage. There is no definitive guideline for excluding full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.