Who Has Cheap Auto Insurance for a Honda Pilot in Houston?

Buying competitive coverage for a Honda Pilot in Texas doesn’t take a lot of effort, but it hinges on a lot of rating criteria such as your gender, the performance level of your vehicle, and any prior driving citations you have received. Drivers in Texas will pay around $1,049 a year for Pilot insurance, but that figure is based upon a 30-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

There’s a good chance you are not 30 and maybe not even a male, maybe you are married instead of single, or maybe your Pilot is old enough that it doesn’t require full coverage. Having what appears to be a very minor change in policy rating criteria or coverages can result in a massive change in the cost of a policy.

This demonstrates why the best way to find affordable rates for your Honda is to put in the effort to do a thorough rate comparison.

Cheapest Honda Pilot Insurance Rates

Your vehicle’s trim level will most likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Pilot LX 2WD model will be $82 cheaper than the cost to insure the high end Pilot Touring 4WD version, as shown by the rates below.

Honda Pilot Insurance Rates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $208 $256 $500 $30 $150 $1,144 $95
Pilot EX 2WD $234 $256 $500 $30 $150 $1,170 $98
Pilot EX 4WD $234 $256 $500 $30 $150 $1,170 $98
Pilot EX-L 2WD $234 $312 $500 $30 $150 $1,226 $102
Pilot EX-L 4WD $234 $312 $500 $30 $150 $1,226 $102
Pilot Touring 2WD $234 $312 $500 $30 $150 $1,226 $102
Pilot Touring 4WD $234 $312 $500 $30 $150 $1,226 $102
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in vehicle garaging location which can revise price quotes greatly.

Comparing rates for affordable auto insurance is not the easiest thing to do, and determining which companies quote the cheapest insurance rates for a Honda Pilot takes additional perseverance.

Each insurer uses their own calculation to determine rates, so let’s rank the insurance companies with the overall best prices in Texas. It’s important that you understand Houston, TX insurance rates are impacted by many factors that may substantially change the price of your policy. That is why it is crucial to compare many different companies to get the best auto insurance rates for a Honda Pilot. Insurance prices consist of many different factors and can change without notice, so the most economical option six months ago may now be one of the higher cost companies.

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Cheapest auto insurance in Texas ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,199
4 Germania Mutual $1,244
5 Esurance $1,365
6 California Casualty $1,438
7 State Farm $1,450
8 Mercury $1,521
9 Safe Auto $1,565
10 Nationwide $1,585
11 Progressive $1,664
12 Allstate $1,701
13 Amica $1,757
14 Home State $2,092
15 GEICO $2,156
16 MetLife $2,183
17 Encompass $2,232
18 Unitrin $2,333
19 21st Century $2,396
20 Titan $2,594
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Travelers may have some of the best car insurance rates in Houston at around $1,010 annually. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the lowest-priced Houston, TX car insurance companies.

As the rates illustrate above, if you are currently insured with Germania Mutual and switched to USAA, you might achieve yearly savings of approximately $127. Texas drivers with Esurance may save as much as $248 a year, and California Casualty policyholders might realize rate reductions of up to $321 a year.

Bear in mind that those policy prices are averages across all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for a Honda Pilot. So the company that can offer you the lowest price may not even be in the list above. That illustrates why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

Irresponsible driving raises your rates

The easiest way to enjoy the most affordable insurance premiums in Texas for a Pilot is to be a safe driver and avoid getting tickets or having accidents. The example below shows how traffic citations and fender-benders can drive up auto insurance rates for different ages of insureds. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

In the chart above, the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $2,295. Get written up for one speeding ticket and the average cost hikes up to $2,599, an increase of $304 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for a Honda Pilot goes up to an average of $3,451. That’s an increase of $1,156, or $96 per month, just for not driving attentively!

The illustration below illustrates how your choice of deductibles can raise or lower yearly insurance costs when quoting cheap insurance for a Honda Pilot. The prices are based on a married male driver, comp and collision included, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $276 a year by changing from a $100 deductible to a $500 deductible, or save $420 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, can cut up to $914 or even more by selecting a higher deductible. If you do make the decision to raise your deductibles, it will now be necessary to have enough in a savings account to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Why you should be shopping around

Houston, TX insurance rates are impacted by many factors which can substantially change the cost of your policy. Improving your credit rating, buying another vehicle, or getting a DUI can cause premium changes resulting in some rates now being more affordable than before.

Additionally, companies file new Texas car insurance rates every year or even multiple times each year in order to be able to pay unexpected claims. Significantly higher claims may cause a rate increase, while profitable underwriting may cause cheaper Pilot insurance rates.

For instance, the chart below shows the companies that have the cheapest car insurance in Houston, TX for a 45-year-old female driver with no prior claims, no tickets, and great credit. If we compare prices based on her current risk profile, Travelers might quote the best car insurance rates in Houston at $1,323 per year. This is $581 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the most affordable Houston, TX auto insurance companies.

Let’s now give the driver from the first rate comparison an accident claim, a lower credit rating, and a stop sign violation. Due to the fact that every auto insurer uses their own formula for filing rates in each state, analyzing rate quotes could result in a substantially altered list of the cheapest Houston car insurance companies as shown below.

Mercury now has the lowest car insurance rate in Houston, TX with USAA, State Farm, Nationwide, and Safe Auto also having competitive pricing. This shows why drivers need to take the time to shop around when trying to find cheap insurance rates for a Honda Pilot. Prices are impacted by many factors and can change without notice, so the lowest-price company the last time you shopped around may now be one of the more expensive options.

The insurance agents in Houston listed below can probably aid you in deciding which auto insurance policy fits you best, since lots of drivers aren’t clear which coverage they need and would like to get some professional advice when buying car insurance for a Honda Pilot. It can be challenging to find coverage yourself, and professional agents can provide comfort knowing your coverage gives you suitable coverage if you ever need to use it.

To locate an agency using an interactive map, click the link after the list or click here to compare prices now.

Felicia Boudreaux – State Farm Insurance Agent
14901 TX-249 #105Houston, TX 77086(713) 464-2077

Texas Prime Insurance Agency, LLC
6750 West Loop S #430Bellaire, TX 77401(713) 750-9000

James Banks – State Farm Insurance Agent
4809 Main StHouston, TX 77002(713) 523-7100

Hotchkiss Insurance Agency
13430 Northwest Fwy #600Houston, TX 77040(713) 956-9800

Armando Valdez – State Farm Insurance Agent
12941 North Fwy #608Houston, TX 77060(281) 537-7890

View map of Houston, TX insurance agents

How to find economical insurance for a Honda Pilot

Here are a few thrifty solutions that can help drivers find more affordable coverage.

The last tip in the list is highly necessary, as we emphasized in this write-up. Car insurance prices can be adjusted at any time, so don’t be hesitant to change insurance companies if you can save money. Brand loyalty is not necessarily bad, but is isn’t recommended if that faithfulness ends up costing you hundreds of dollars year after year. It only take a few minutes to compare prices and find cheaper insurance for a Honda Pilot in Houston.