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Cheapest Insurance Quotes for a Honda Pilot in Texas

Your chances of finding cheap auto insurance for a Honda Pilot in Texas relies on many different factors like your marital status, your profession, and your choice of physical damage deductibles. Texas drivers pay on average $1,290 annually for Pilot insurance, but that rate is an estimation using a 40-year-old single male that included full physical damage coverage and $250 policy deductibles.

But there is a high likelihood that you are not 40 and maybe not even a male, married instead of single, or maybe you have a speeding ticket or two that will increase rates. Just a slight difference in the factors used to determine rates can lead to a significant difference in the price of coverage.

Everyone has different rating factors, so your best shot at finding cheap auto insurance rates for your Honda is to make a habit of regularly comparing rates from other companies.

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The specific trim level has an effect on the yearly cost, so the price you will be charged to insure a Pilot LX 2WD will be $140 lower than the cost to insure the more expensive Pilot Touring 4WD trim level, as shown in the prices below.

Honda Pilot Insurance Rates in Texas
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Pilot LX 2WD$288$468$462$28$138$1,384$115
Pilot EX 2WD$326$468$462$28$138$1,422$119
Pilot EX 4WD$326$468$462$28$138$1,422$119
Pilot EX-L 2WD$326$570$462$28$138$1,524$127
Pilot EX-L 4WD$326$570$462$28$138$1,524$127
Pilot Touring 2WD$326$570$462$28$138$1,524$127
Pilot Touring 4WD$326$570$462$28$138$1,524$127
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in zip code location which can revise coverage prices greatly.

What is the best car insurance company in Texas?

Choosing a high-quality insurance provider can be challenging considering how many different companies there are to choose from in Texas. The company rank data in the lists below could help you analyze which car insurance companies to look at when shopping insurance around for a Honda Pilot. These rankings are for major nationwide insurance companies, so smaller companies that only insure vehicles in Texas are not included in these rankings.

Texas Car Insurance Company Rankings
CompanyValueCustomer ServiceClaimsCustomer SatisfactionA.M Best RatingOverall Score
Travelers93989988%A++95.1
USAA839910091%A++94.1
Mercury Insurance97968889%A+93.4
AAA Insurance91959290%A93.3
Nationwide85959789%A+92.4
Allstate771009788%A+90.7
State Farm80949688%A++90.6
The Hartford88939187%A+90.4
Safeco Insurance91958588%A90.2
Progressive88948388%A+90.1
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Data Source: Insure.com Best Car Insurance Companies

How much more does full coverage cost?

Finding the cheapest insurance for a Honda Pilot in Texas is probably important to the majority of drivers, and an effective way to pay less for insurance is to not pay for full coverage. The chart below compares auto insurance costs when comparing full coverage to liability only. The premium estimates are based on no claims or driving citations, $100 deductibles, single status, and no policy discounts are applied.

If we average the cost for all age groups, full coverage on your policy costs $2,641 per year over liability only. That touches on the question if buying full coverage is worth the money. There is no exact formula for phasing out physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s replacement cost is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $8,500 after paying your deductible. If premiums are more than $850 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some cases where only buying liability is not advised. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. 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.

The diagram below demonstrates how choosing different deductibles can influence insurance prices when searching for cheap insurance for a Honda Pilot. The rates are based on a married male driver, full physical damage coverage, and no discounts are factored in.

A 30-year-old driver could lower their policy premium by $366 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $556 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, can save $1,094 or more by choosing a higher deductible.

If you do decide to increase your deductibles, it is essential to have plenty of discretionary funds to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

The benefit of shopping around

Texas car insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Improving your credit rating, adding a teenager to your policy, or getting a ticket for careless driving can produce rate changes that can cause some rates to be more affordable than before.

Not only may your situation change, but auto insurance companies file new Texas auto insurance rates every year to help ensure profitability. A period of increased losses may result in more expensive premiums, while a better loss history may produce cheaper Pilot insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in Texas for a 30-year-old female driver with no accidents or violations, and excellent credit. If we look at prices based on her current situation, Travelers may have the best car insurance rates in Texas at $1,052 per year. This is $852 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the list of the best Texas auto insurance companies.

In this example, we will give the driver from the first set of rates an accident claim, a lower credit rating, and a few traffic violations. Due to the fact that every insurance company has their own process for determining rates, comparing prices most likely will result in a slightly different list of the cheapest car insurance companies in Texas as shown below.

State Farm now has the cheapest rate in Texas with Mercury, USAA, Nationwide, and Safe Auto now being in the top five. This example proves why consumers need to take the time to spend some time comparing rates to get cheap auto insurance rates for a Honda Pilot. Insurance rates are made up of many factors and can change substantially, so the most economical company the last time you shopped around may now not even be in the top five.

How to get the cheapest insurance for a Honda Pilot in Texas

The list below summarizes some of the better thrifty solutions that can help you quote cheap coverage.

  • Increase your comprehensive and collision deductibles
  • Accident-free drivers may qualify for discounts
  • Be a safe driver
  • Good credit can mean cheaper rates
  • The safer your car, the less it costs to insure
  • Compare rates often to find the best deal

The last suggestion is incredibly critical, as was affirmed in the prior information. Prices charged by auto insurers in Texas can change considerably based on profitability, so drivers shouldn’t be resistant to change to a new company if a lower price can be found. Having a favorite company is great, but it isn’t a good idea if that devotion results in you overpaying potentially thousands of dollars a year. In just a few minutes you could compare prices to find cheaper auto insurance for a Honda Pilot.

Cheap Honda Pilot insurance quotes

Drivers have a lot of different ways to find cheaper car insurance in Texas, but the most frequently used methods are through an independent agent, a captive (or exclusive) agency like Liberty Mutual or Allstate, or buying direct from a company like Progressive or Geico. You can use whichever method you prefer, but car insurance shoppers should know the differences in how they function.

Independent insurance agents write business for many companies and can do rate comparisons with each one. Independent agents are usually affiliated with several companies and can quote rates with many companies, which may give you a better overall rate comparison. If your agent finds a cheaper company, your policy can be easily switched to a different company and you can remain with the same agent.

An exlusive, or captive, agency is only able to quote your policy with a single insurance company, for example Allstate or State Farm agents. This type of agents cannot quote prices from more than just one company, so it’s a good idea to shop around.

The third way to buy car insurance is direct which means you skip local agents and buy direct online or over the phone from a company like Geico or Progressive. This option can be a good choice for drivers who do not have a complex risk profile and have a decent understanding of the limitations of their policy.

So which of those three methods works best for finding the cheapest insurance for a Honda Pilot in Texas? We would first guess that buying direct results in the cheapest price since there is no middleman, but that is generally not the case. And we’d like to say going through an independent agent results in the cheapest rates due to more options, but that is not necessarily true either. And occasionally, the exclusive agents have extremely competitive rates that are the lowest in Texas.

Because there is so much variation in car insurance prices, the one way to get the lowest rate is to get quotes and compare. The ideal approach is to get quotes from all three types to give yourself the best selection. A great place to start is our list of online companies offering discounts: click here to view.

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