Finding the best cheap insurance for a Honda CR-V in California is dependent upon a complicated formula that considers factors such as how many years you have been driving, the likelihood of your vehicle being stolen, and driving violations. Drivers in California will pay around $1,216 annually to insure their CR-V, but that figure is calculated using a 30-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
There’s a good chance you aren’t exactly 30 years old or even a female, possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Not everyone needs the same coverages, so the best way to find cheap insurance prices for your Honda is to do the rate comparisons yourself.
Vehicle trim level will most likely have an effect on price, so the price to insure a CR-V LX 2WD model will be $46 cheaper than the cost to insure the more expensive CR-V EX-L 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$322||$554||$384||$22||$114||$1,396||$116|
|CR-V EX 2WD||$322||$554||$384||$22||$114||$1,396||$116|
|CR-V LX 4WD||$322||$554||$384||$22||$114||$1,396||$116|
|CR-V EX 4WD||$368||$554||$384||$22||$114||$1,442||$120|
|CR-V EX-L 2WD||$368||$554||$384||$22||$114||$1,442||$120|
|CR-V EX-L 4WD||$368||$554||$384||$22||$114||$1,442||$120|
|Get Your Own Custom Quote Go|
Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in garaging location in Bakersfield which can decrease or increase premium rates greatly.
Ending up with a highly-rated car insurance company can be a challenge considering how many different companies there are to choose from in California. The company rank data in the lists below could help you choose which car insurance companies you want to consider purchasing from.
The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in California or surrounding areas are not factored into the list. To compare price quotes from many more California auto insurance companies, just click here.
Top 10 Large Car Insurance Companies in Bakersfield Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Get discounts on Bakersfield auto insurance rates
Insurance companies that sell policies for a Honda CR-V may additionally offer premium discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. The best car insurance companies and their offered discounts are shown below.
- GEICO offers discounts including membership and employees, multi-vehicle, anti-theft, military active duty, and daytime running lights.
- USAA has discounts for multi-policy, safe driver, military installation, annual mileage, defensive driver, good student, and loyalty savings.
- Progressive discounts include online signing, good student, online quote discount, continuous coverage, multi-policy, and multi-vehicle.
- American Family may have discounts that include early bird, accident-free, bundled insurance, good driver, TimeAway discount, and good student.
- Esurance has savings for online shopper, defensive driver, renters, Switch & Save, safety device, and good driver.
- Farmers Insurance may offer discounts for mature driver, distant student, alternative fuel, switch companies, business and professional, pay in full, and bundle discounts.
- State Farm offers discounts for anti-theft, student away at school, Steer Clear safe driver discount, multiple policy, safe vehicle, Drive Safe & Save, and accident-free.
The chart below illustrates the difference between insurance costs with and without policy discounts. Data assumes a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, defensive driving course, anti-theft, multiple vehicle, passive restraint, and accident-free discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for a Honda CR-V is 28% or $640.
The importance of shopping around for CR-V insurance
Bakersfield, CA car insurance rates are impacted by many things that control the policy premium. Improving your credit rating, buying a different vehicle, or getting a few speeding tickets may generate price changes that can cause some rates to be much cheaper than others. Not only may your risk profile change, but auto insurance companies change prices as often as every quarter in order to protect their financial rating. Significantly higher claims can result in increased policy costs, while profitable underwriting can produce cheaper CR-V insurance rates.
The data below shows the company with the cheapest car insurance in Bakersfield, CA for a 30-year-old female driver with a clean driving record, no accidents, and good credit. When comparing rates based on her current risk profile, Wawanesa might quote the best car insurance rates in Bakersfield at $1,192 annually. This is $459 less than the average premium paid by California drivers of $1,651. USAA, CSAA, Nationwide, and Century National are the remainder of the cheapest Bakersfield, CA auto insurance companies.
Now we will pretend the driver in the first example a couple of claims, poor credit, and a traffic ticket or two. Because each insurer has their own process for setting prices, comparing quotes may now show a completely different list of companies as shown below.
Grange now has the cheapest auto insurance in Bakersfield, CA with Mercury, Progressive, Allstate, and GEICO also having competitive pricing. This illustrates why it is critical to compare lots of rates when trying to get the most economical car insurance rates for a Honda CR-V.
Prices are determined by many different factors and change dramatically, so the most affordable company the last time you compared rates may now be an over-priced policy.