Who Has the Cheapest Insurance for a Honda CR-V in Texas?

Who Has the Cheapest Insurance for a Honda CR-V in Texas?

Whether or not you can find affordable coverage for a Honda CR-V in Texas is contingent on a fairly complex equation with a lot of factors like whether you own a home, if you have recent claims, and if your driving record is clean. Texas drivers on average will pay $850 each year to insure a CR-V, but that is an approximation based on rates for a 30-year-old married female that purchased full physical damage coverage and $500 deductibles.

There is a very good chance that you’re not a 30-year-old female, single instead of married, and you don’t want the same coverages and limits as the example. Using even a minor difference in rating factors can lead to a big change in price quotes.

Every driver’s needs are different, and that is why the most reliable way to find affordable rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years.

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The specific trim level tends to have a direct impact on price, so the price you pay to insure a CR-V LX 2WD model will be $30 cheaper than the cost to insure the high end CR-V EX-L 4WD trim level, as shown by the rates below.

Honda CR-V Insurance Rates in Texas
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $202 $322 $330 $20 $98 $972 $81
CR-V EX 2WD $202 $322 $330 $20 $98 $972 $81
CR-V LX 4WD $202 $322 $330 $20 $98 $972 $81
CR-V EX 4WD $232 $322 $330 $20 $98 $1,002 $84
CR-V EX-L 2WD $232 $322 $330 $20 $98 $1,002 $84
CR-V EX-L 4WD $232 $322 $330 $20 $98 $1,002 $84
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in Texas location which can decrease or increase coverage prices substantially.

Which auto insurance company is best in Texas?

Finding the top insurance company can be rather challenging considering how many different companies sell coverage in Texas. The ranking information displayed below can help you choose which coverage providers you want to consider shopping prices with.

These rankings are only comprised of the largest companies in America, so companies that only write business in Texas or surrounding areas are not factored into this list. To get rate quotes from these and other top-rated companies, click this link.

Top 10 Large Car Insurance Companies in Texas Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

Top 10 Large Car Insurance Companies in Texas Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top Companies for Honda CR-V Insurance in Texas

Discounts on the cheapest insurance for a Honda CR-V in Texas

Discounts on auto insurance for a Honda CR-VInsurers that offer quotes for a Honda CR-V may have rate discounts that could lower prices by as much as 40% or more if you meet specific eligibility requirements. A list of companies and a partial list of their discounts are included below.

Auto Insurance Discounts Available
Discount Progressive State Farm Allstate Geico
Bundle discount Yes Yes Yes Yes
Multi-vehicle Yes Yes No Yes
Anti-theft Yes Yes Yes Yes
Anti-lock brakes No Yes Yes Yes
Air bags No Yes Yes Yes
Running lights No Yes No Yes
New vehicle No Yes Yes No
No accidents Yes Yes Yes Yes
Defensive driver training Yes Yes Yes Yes
Military Yes Yes No Yes
Professional affiliation No No No Yes
Paid in full Yes No Yes Yes
Email statements Yes No Yes Yes
Brand loyalty Yes Yes No No
Good grades Yes Yes Yes Yes
Student away from home Yes Yes Yes No
Own your home Yes No No No
Use seat belts No No No Yes
Get quote online Yes No No No
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The diagram below shows the comparison of auto insurance costs with and without discounts applied to the policy rates. Data assumes a male driver, no claims or driving violations, Texas 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 bar shows the rates with anti-theft, homeowner, defensive driving course, passive restraint, accident-free, and multiple vehicle discounts applied. When drivers qualify for the discounts, the the amount saved on auto insurance for a Honda CR-V is % or $.

Is the best company Geico, Allstate, State Farm, or Progressive?

When buying auto insurance, four good companies to start with are Geico, Allstate, State Farm, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has unique features and discounts that policyholders can choose from. The following table breaks down some of the different options that may be available in your state.

Largest Car Insurance Companies Compared
Geico Allstate State Farm Progressive
Overall Price 1st 4th 2nd 3rd
Handling of Claims 3rd 1st 2nd 4th
Client Satisfaction 1st 2nd 4th 3rd
Number of Discounts 2nd 1st 3rd 4th
U.S. market share 11.4% 10% 18.3% 8.8%
New car replacement insurance No Yes No No
Emergency roadside assistance Yes Yes Yes Yes
Mechnical breakdown Yes No No Yes
Rideshare coverage Yes Yes Yes Yes
Accident forgiveness Yes Yes No Yes
Usage-based rating No Yes Yes Yes
Offered in Texas Yes Yes Yes Yes
Types of agents used Both online and from Geico agents Can only buy from Allstate agents Only from State Farm agents Online or from independent agents
Number of agents 150+ 11,000+ 18,000+ 30,000+
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