Buying cheaper insurance for a Honda CR-V in Texas is pretty simple, but it relies on a lot of factors such as your financial responsibility, whether you are claim-free, and physical damage deductibles. Texas drivers will pay on average $993 annually to insure their CR-V, but that is an estimate calculated using a 40-year-old single female driver with full coverage and $500 deductibles.
It’s more than likely you may not be 40 years old (or even female), married instead of single, or maybe you live in a different area as the quoted rates. There is no one cookie-cutter policy that works for everyone, so the way we recommend to find the most affordable coverage for your Honda is to compare rates from as many companies as possible. To start saving now, get free quotes and you will receive rate quotes from top-rated car insurance companies that sell coverage in Texas.
The trim level of your vehicle will influence the cost of coverage, so the rate you pay to insure a CR-V LX 2WD will be $30 less than the price to insure the fancier CR-V EX-L 4WD version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| CR-V LX 2WD | $200 | $372 | $422 | $24 | $126 | $1,144 | $95 |
| CR-V EX 2WD | $200 | $372 | $422 | $24 | $126 | $1,144 | $95 |
| CR-V LX 4WD | $200 | $372 | $422 | $24 | $126 | $1,144 | $95 |
| CR-V EX 4WD | $230 | $372 | $422 | $24 | $126 | $1,174 | $98 |
| CR-V EX-L 2WD | $230 | $372 | $422 | $24 | $126 | $1,174 | $98 |
| CR-V EX-L 4WD | $230 | $372 | $422 | $24 | $126 | $1,174 | $98 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific location information which can increase or decrease insurance rates greatly.
Ending up with the best auto insurance provider is hard considering how many different companies there are to choose from in Texas. The ranking data in the next section could help you choose which providers you want to consider buying from.
These ratings include companies with a nationwide focus, so companies that may only write in Texas are not taken into consideration for these rankings. To check rates from these top-rated insurers and more, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below illustrates how choosing a deductible can impact insurance premiums when trying to find cheap insurance for a Honda CR-V. The premiums assume a single male driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could cut expenses by $314 a year by changing from a $100 deductible to a $500 deductible, or save $472 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, could save $1,026 every year just by choosing larger deductibles.
When raising deductibles, it will now be necessary to have plenty of savings on hand to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Low rates today, overpriced tomorrow
Texas insurance rates are impacted by many factors that can increase the price you have to pay. Improving your credit score, buying higher coverage limits, or having a fender bender may generate price changes resulting in some rates now being cheaper than competitors. Not only may your risk profile change, but companies amend premium rates every year or even multiple times each year to help ensure profitability. Higher than usual claims can result in more expensive premiums, while lower claim levels may cause cheaper CR-V insurance rates.
For example, the bar chart below demonstrates which company has the cheapest car insurance in Corpus Christi, TX for a 35-year-old female driver with a clean driving record, no accidents, and a good credit history. If we estimate prices based on her current rating profile, Travelers might offer the most affordable car insurance rates in Corpus Christi at $1,124 each year. This is $780 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the cheapest Corpus Christi, TX auto insurance companies.
In this example, we will give the driver from the above example a couple of claims, a lower credit rating, and a few blemishes on her driving record. Because every insurance company uses their own formula to set their prices, comparing quotes could result in a significantly different list of affordable Corpus Christi car insurance companies as shown below.
State Farm now has the lowest price on auto insurance in Corpus Christi with Mercury, USAA, Nationwide, and Safe Auto now rounding out the top five. This demonstrates why consumers need to compare as many rates as possible when trying to find the most affordable auto insurance rates for a Honda CR-V.
Insurance prices are impacted by many things and can change without notice, so the lowest-price company three years ago may now not even be in the top five.
If you wish to get some help when trying to find lower insurance rates for a Honda CR-V, the agents shown below can provide answers to your questions and help you determine which policy is best.
To locate a Corpus Christi insurance agent nearest to you, click the link at the bottom or click here to compare rates now.
- Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055 - Randy Ritter – State Farm Insurance Agent
6601 Everhart Rd, Ste H4 – Corpus Christi, TX 78413 – (361) 851-8611 - State Farm: Curtis Rich
6646 S Staples St #130 – Corpus Christi, TX 78413 – (361) 992-1148