How Much are Auto Insurance Quotes for a Honda CR-V in San Jose?

Buying affordable coverage for a Honda CR-V in California is dependent upon a large number of factors such as whether you are single or married, the size of your vehicle, and your choice of deductibles. Drivers pay around $1,109 each year for CR-V insurance, but that cost is an approximation calculated based on a 30-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.

But there is a high likelihood that you are not 30 years old and maybe not even female, possibly single instead of married, and you need different coverage limits than the sample rates. Even a minor difference in policy rating criteria or coverages can make a big difference in the cost of insurance for a Honda CR-V.

Not everyone needs the same coverages, so the only way to find cheap auto insurance rates for your Honda is to compare as many rates as you can.

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Vehicle trim level will likely have an effect on the annual cost of coverage, so the cost to insure a CR-V LX 2WD trim level will be $44 cheaper than the cost to insure the fancier CR-V EX-L 4WD model, as shown by the rates below.

Honda CR-V Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $288 $464 $384 $22 $114 $1,272 $106
CR-V EX 2WD $288 $464 $384 $22 $114 $1,272 $106
CR-V LX 4WD $288 $464 $384 $22 $114 $1,272 $106
CR-V EX 4WD $332 $464 $384 $22 $114 $1,316 $110
CR-V EX-L 2WD $332 $464 $384 $22 $114 $1,316 $110
CR-V EX-L 4WD $332 $464 $384 $22 $114 $1,316 $110
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in vehicle garaging location which can affect rates noticeably.

Finding out which companies offer the lowest-priced auto insurance rates for a Honda CR-V will require a little more work in order to find the lowest price quote.

Every car insurance company uses their own formula to set their prices, so we’ll take a look at the auto insurance companies that tend to have lower prices in California. We do need to point out that San Jose auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Simply improving your credit, getting married, or having a fender bender may prompt premium changes that may make certain companies much cheaper than others.

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USAA offers some of the most affordable car insurance rates in San Jose at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the lowest-priced San Jose, CA car insurance companies.

As shown in the rates above, if you buy coverage from CSAA and switched to Wawanesa, you may realize a yearly price reduction of in the neighborhood of $42. Drivers with Nationwide may save as much as $58 a year, and 21st Century policyholders might see rate reductions of $146 a year.

Bear in mind that those rates are averaged across all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code for a Honda CR-V. So the insurer that is best suited for you may not even be in the top 24 companies shown above. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.

How accidents and violations affect rates in San Jose

The common sense way to get low auto insurance prices in California for a CR-V is to drive carefully and avoid accidents and traffic citations. The illustration below illustrates how speeding tickets and accidents impact premium costs for different age categories. The rate quotes are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

In the prior example, the average cost of a car insurance policy in California per year with a clean driving record and no accidents is $1,883. Factor in one speeding ticket and the average cost rises to $2,124, an increase of $242 each year. Now add one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Honda CR-V goes up to an average of $2,787. That’s an increase of $904, or $75 per month, just for being a little careless behind the wheel!

Full coverage versus liability-only

Saving money on auto insurance is probably important to the majority of drivers, and an easy way to buy cheaper insurance for a Honda CR-V is to buy only liability coverage. The illustration below visualizes the comparison of insurance costs with and without physical damage coverage. The data assumes no claims, a clean driving record, $500 deductibles, marital status is single, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $2,075 per year more than just buying liability only. That touches on the question if buying full coverage is a waste of money. There is no definitive formula to stop paying for full coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $11,500 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $10,500 after paying your deductible. If premium cost is more than $1,050 a year for full coverage, then you may want to consider only buying liability coverage.

There are some conditions where only buying liability is not advised. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Your low-price policy may be costing you money

California auto insurance rates are calculated based on many things that can increase the price you pay. Simply having a birthday, adding a teenager to your policy, or getting a driving violation can produce rate changes resulting in some companies being cheaper than competitors.

In addition, car insurance companies change the rates they charge in California every year or even multiple times each year to adjust for gains or losses. Heavy losses can result in a rate increase, while a profitable period can produce lower-cost CR-V insurance rates.

The data below shows which companies have the cheapest car insurance in San Jose, CA for a 45-year-old male driver with no prior claims, no tickets, and a decent credit rating. When comparing rates based on his current situation, USAA may offer the most affordable car insurance rates in San Jose at $1,260 per year. This is $391 less than the average rate paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide round out the rest of the best San Jose, CA auto insurance companies.

The example below compares rates after we give the driver in the first chart a couple of claims, slightly worse credit, and a speeding ticket. Due to the fact that every auto insurer uses a different method to set policy rates, getting updated rate quotes could result in a different ranking of the cheapest San Jose car insurance companies as shown below.

Grange now has the cheapest auto insurance in San Jose with Progressive, Mercury, Allstate, and GEICO now being in the top five. This shows why it is crucial to spend some time comparing rates when trying to find affordable auto insurance quotes for a Honda CR-V.

Car insurance prices are influenced by many things and can decrease or increase without notice, so the best price the last time you shopped your coverage around may now be quite expensive.

How to find the cheapest insurance for a Honda CR-V

The list below details some of the recommended thrifty ideas that can help drivers locate cheap coverage.

That final tip is especially critical, as we stressed in the article above. Prices vary considerably, so don’t be hesitant to switch carriers if you find a better deal. Being loyal to a particular company is commendable, but is isn’t recommended if that inflexibility results in costing you several hundred dollars every year. Now is a great time to shop around and find cheaper auto insurance for a Honda CR-V in San Jose.

If you aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates for a CR-V, the agents shown below are a good start to help you decide which coverages you need. To locate a San Jose auto insurance agent by location nearest to you, click the button below the list or click here to get price quotes now.

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