Who Has Cheap Auto Insurance for a Honda CR-V in San Diego?

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Honda CR-V insurance
Honda CR-V insurance image courtesy of QuoteInspector.com

Finding cheaper auto insurance for a Honda CR-V is fairly easy, but it hinges on a lot of different factors such as the age of the CR-V, your address, and citations on your driving record. California drivers will pay on average $958 a year to insure their CR-V, but that cost is an estimate calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.

It's more than likely you are not 50 and maybe not even a female, maybe you are single instead of married, and you don't want the same coverages and limits as the example. Just a very minor change in rating variables can result in a massive change in the amount insurance costs for a Honda CR-V.

Auto insurance is not the same for everyone, so the best way to find affordable rates for your Honda is to do your own rate comparisons. Price quotes are quick and you can get prices from the cheapest companies that offer coverage in California.

Compare Honda CR-V Insurance Rates

Your vehicle's trim level impacts price, so the rate you pay to insure a CR-V LX 2WD will be $32 cheaper than the price to insure the more expensive CR-V EX-L 4WD model, as shown below.

Honda CR-V Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $230 $392 $354 $20 $106 $1,102 $92
CR-V EX 2WD $230 $392 $354 $20 $106 $1,102 $92
CR-V LX 4WD $230 $392 $354 $20 $106 $1,102 $92
CR-V EX 4WD $262 $392 $354 $20 $106 $1,134 $95
CR-V EX-L 2WD $262 $392 $354 $20 $106 $1,134 $95
CR-V EX-L 4WD $262 $392 $354 $20 $106 $1,134 $95
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate information does not factor in garaging location in San Diego which can affect premium rates noticeably.

Determining which companies offer the cheapest insurance rates for a Honda CR-V takes a tad more effort than just picking a company at random. Each insurer uses their own calculation for setting rates, so we'll take a look at the insurance companies that tend to be cheaper in California.

It's important that you understand San Diego insurance rates are impacted by many things that control the cost of a policy. Simply improving your credit, moving across town, or getting a ticket for careless driving may generate price changes that can cause some rates to be cheaper than competitors.

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USAA has some of the most affordable car insurance rates in San Diego at around $1,155 annually. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the cheaper San Diego, CA auto insurance companies.

As depicted above, if you currently have a policy with Century National and switched to USAA, you might see yearly savings of in the neighborhood of $71. Insureds with Nationwide might save as much as $108 a year, and 21st Century insureds might lower prices by up to $170 a year.

Understand that those policy rates are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact zip code 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 point stresses why you need to get quotes using your own driver and vehicle profiles.

Discount San Diego insurance rates

Discounts on insurance for a Honda CR-VInsurance providers that offer quotes for a Honda CR-V may also offer special discounts that could lower prices by as much as 35% if you meet specific eligibility requirements. A few of the larger companies and a partial list of their discounts are:

The information below illustrates the difference between insurance premiums with and without policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with claim-free, anti-theft, safe-driver, multiple vehicle, marriage, and passive restraint discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for a Honda CR-V is 28% or $559.

Do you need full coverage?

Saving money on insurance is important to the majority of people, and one way to pay less for insurance for a Honda CR-V is to only buy liability coverage. The diagram below visualizes the comparison of insurance prices with and without full coverage. The premiums are based on no violations or accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

If the expense is averaged for all age categories, physical damage insurance costs an additional $2,586 per year more than just buying liability insurance. That is a large expense and it proposes the question if buying full coverage is worth the expense. There isn't a steadfast formula for dropping physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's say your vehicle's replacement value is $4,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $3,500 after the deductible is paid. If you are currently paying more than $350 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

The example below shows how choosing a deductible can impact yearly insurance costs when quoting cheap insurance for a Honda CR-V. The premiums assume a married female driver, comp and collision included, and no policy discounts are applied.

The chart above illustrates that a 50-year-old driver could cut expenses by $314 a year by increasing from a $100 deductible up to a $500 deductible, or save $478 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, could roll back prices $784 or more by using higher deductibles when buying full coverage.

When increasing deductibles, it will be required to have spare funds to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.