Who Has the Cheapest Auto Insurance for a Honda CR-V in San Antonio?

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

Finding the cheapest insurance for a Honda CR-V in Texas is dependent upon many rating criteria such as when you were born, the size of your vehicle, and citations on your driving record. Drivers in Texas pay on average $1,214 a year for CR-V insurance, but that price is a valuation calculated based on a 40-year-old single female driver with full physical damage coverage and $100 deductibles.

But there is a high probability that you are not 40 years old and maybe not even female, maybe you are married instead of single, and you want different coverage limits than the example. Just a slight change in rating criteria or coverage limits can result in a big discrepancy in the policy cost.

This demonstrates why the best way to find cheap auto insurance rates for your Honda is to put in the effort to do a thorough rate comparison. To start saving now, get free quotes and you will receive prices from some of the best companies that insure Honda vehicles in Texas.

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Your vehicle's trim level tends to have a direct impact on the yearly cost, so the cost to insure a CR-V LX 2WD will be $40 cheaper than the price to insure the more well-appointed CR-V EX-L 4WD version, as shown in the table below.

Honda CR-V Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
CR-V LX 2WD $274 $550 $422 $24 $126 $1,396 $116
CR-V EX 2WD $274 $550 $422 $24 $126 $1,396 $116
CR-V LX 4WD $274 $550 $422 $24 $126 $1,396 $116
CR-V EX 4WD $314 $550 $422 $24 $126 $1,436 $120
CR-V EX-L 2WD $314 $550 $422 $24 $126 $1,436 $120
CR-V EX-L 4WD $314 $550 $422 $24 $126 $1,436 $120
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rate information does not factor in specific San Antonio garaging location which can impact premium rates noticeably.

Figuring out which companies offer the best auto insurance rates for a Honda CR-V may require a bit more work in order to find the best policy. Every insurance company uses a little different formula for setting rates, so let's take a look at the auto insurance companies that tend to have lower prices in San Antonio, TX.

It's a good idea to know that San Antonio auto insurance rates are impacted by many things that will increase or decrease the price you have to pay. Improving your credit score, becoming a homeowner, or getting a speeding ticket can trigger changes in premium that can now make some companies cheaper in comparison to the competition.

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Travelers quotes some of the most affordable car insurance rates in San Antonio at around $1,021 per year. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced San Antonio, TX auto insurance companies.

As illustrated above, if you currently have a policy with Germania Mutual and switched to USAA, you could see a yearly price reduction of approximately $199. Insureds with Esurance could save as much as $284 a year, and California Casualty policyholders might lower prices by up to $329 a year.

To find the cheapest rates for your vehicle, click here to start a quote or visit several of the following companies.

Be aware that those rates are averages for all drivers and vehicles in Texas and do not take into consideration a vehicle location for a Honda CR-V. So the car insurance company that has the cheapest price for you may not even be in the top 23 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

Full coverage rates compared to liability only

Paying less for auto insurance is probably important to the majority of vehicle owners, and an effective way to save on the cost of insurance for a Honda CR-V is to only buy liability insurance. The chart below visualizes the comparison of insurance costs with full coverage compared to only the Texas minimum liability coverage. The premium estimates are based on no claims, a clean driving record, $500 deductibles, marital status is single, and no policy discounts are applied.

On average, physical damage coverage costs $1,793 per year over and above liability coverage. Many drivers will wonder if physical damage coverage is worth the money. There is no set rule to exclude physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the vehicle's replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let's say your vehicle's book value is $7,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $6,500 after you pay the deductible. If it's costing in excess of $650 annually for physical damage coverage, then it might be time to buy liability only.

There are some conditions where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.

Discounts on San Antonio auto insurance rates

Auto insurance for a CR-V in San Antonio, TXInsurance providers that provide policies for a Honda CR-V may additionally offer price discounts that could reduce prices by as much as 30% if you meet eligibility requirements. A few of the larger companies and a summarized list of policyholder discounts include:

The illustration below compares insurance costs with and without discounts applied. The rates are based on a female driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, passive restraint, vehicle safety, homeowner, claim-free, and defensive driving course discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Honda CR-V is 27% or $534.

How to find more affordable car insurance for a Honda CR-V

The list below details some money-saving solutions that can help Texas drivers quote cheaper auto insurance.

The last item on the list is extremely significant, as was pointed out in the prior article. Coverage rates fluctuate constantly, so don't be hesitant to buy a policy from a new company if a better deal can be had. Having brand loyalty is commendable, but we do not recommend it if it's costing you a wad of cash every year. Spend a few minutes and compare rates and find cheaper car insurance for a Honda CR-V in San Antonio.