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2003 Honda Pilot Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 31, 2020

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Average insurance rates for a 2003 Honda Pilot are $916 a year including full coverage. Comprehensive insurance costs an estimated $156, collision costs $150, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing $1,946 or more. Teen drivers receive the highest rates at $3,704 a year or more.

Annual premium for full coverage: $916

Rate estimates for 2003 Honda Pilot Insurance

Comprehensive $156
Collision $150
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 Honda Pilot models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $504 for only liability insurance to a much higher rate of $1,946 for high-risk insurance.

Liability Only $504
Full Coverage $916
High Risk $1,946

View Chart as Image

2003 Honda Pilot insurance rates compared
Column chart showing 2003 Honda Pilot insurance prices range from $570 to $3,704 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2003 Honda Pilot Insurance

Searching Companies

Trying to find the cheapest insurance coverage rates? Buyers have lots of choices when searching for affordable Honda Pilot insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to get rate quotes. There is a right way and a wrong way to compare insurance coverage rates so we’re going to tell you the best way to price shop coverage for a Honda and locate the lowest price.

If you have insurance now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. The purpose of this article is to tell you the best way to quote coverages and some tips to save money. Drivers just need to learn the proper methods to shop for insurance coverage on the web.

Comprehensive Car Insurance Comparison

Getting a lower price on 2003 Honda Pilot insurance is actually quite simple. You just need to spend a few minutes comparing rates online with multiple companies. This can be done in a couple of different ways.

The most efficient way consumers can analyze rates is a comparison rater form like this one (opens in new window). This type of form prevents you from having to do a different quote for each company. A single form will return price quotes from all major companies. Recommended for those who want to invest the least amount of time.

A harder way to shop for car insurance online requires visiting each individual company website to complete a price quote. For example, let’s say you want to compare rates from Auto-Owners, Progressive and GEICO. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The most time-consuming method to get comparison rates is driving to local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you want the trained guidance of a licensed agent. It is possible to get the lowest quotes online and still use a local agent and we’ll talk about that later.

It’s up to you which method you use, but be sure to compare exactly the same information with every price quote. If each company quotes differing limits it will be impossible to make a fair comparison for your Honda Pilot.

Free Auto Insurance Comparison

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Tailor your coverage to you

When choosing the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.

For example, these questions might help in determining whether you would benefit from professional advice.

  • Does my personal policy cover me when driving out-of-state?
  • Will filing a claim cost me more?
  • Am I covered if I hit my neighbor’s mailbox?
  • When would I need additional glass coverage?
  • When do I need to add a new car to my policy?
  • Is my custom paint covered by insurance?
  • What are the best liability limits?
  • When would I need rental car insurance?
  • Who is covered by my policy?
  • Does coverage extend to Mexico or Canada?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Learn about auto insurance coverages for a 2003 Honda Pilot

Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

This protects you from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Honda Pilot.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for rehabilitation expenses, doctor visits, X-ray expenses and chiropractic care. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance covers damage to your Pilot from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Honda Pilot Insurance Rates by City
City Premium
New York City, NY $1,446
Los Angeles, CA $1,563
Philadelphia, PA $1,221
Jacksonville, FL $1,327
Phoenix, AZ $1,064
Chicago, IL $1,228
Houston, TX $1,435
Seattle, WA $892
Columbus, OH $765
Indianapolis, IN $777

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Honda Pilot Insurance Rates by Driver Age
Driver Age Premium
16 $3,704
20 $2,066
30 $926
40 $916
50 $840
60 $820

Full coverage, $500 deductibles

Rates by Deductible

2003 Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,044
$250 $986
$500 $916
$1,000 $844

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $916
50/100 $1,006
100/300 $1,119
250/500 $1,413
100 CSL $1,052
300 CSL $1,300
500 CSL $1,481

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $5,192
20 $3,284
30 $1,958
40 $1,946
50 $1,862
60 $1,842

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $118

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $48
Homeowner $17
5-yr Accident Free $51
5-yr Claim Free $56
Paid in Full/EFT $30
Advance Quote $38
Online Quote $61
Total Discounts $346
Rate after discounts $570

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2003 Honda Pilot Insurance Rates by State
State Premium
Alabama $826
Alaska $702
Arizona $760
Arkansas $916
California $1,042
Colorado $872
Connecticut $942
Delaware $1,034
Florida $1,144
Georgia $844
Hawaii $658
Idaho $620
Illinois $682
Indiana $688
Iowa $616
Kansas $870
Kentucky $1,248
Louisiana $1,352
Maine $564
Maryland $754
Massachusetts $732
Michigan $1,590
Minnesota $764
Mississippi $1,094
Missouri $810
Montana $982
Nebraska $722
Nevada $1,096
New Hampshire $660
New Jersey $1,022
New Mexico $810
New York $964
North Carolina $528
North Dakota $750
Ohio $632
Oklahoma $940
Oregon $836
Pennsylvania $872
Rhode Island $1,220
South Carolina $830
South Dakota $772
Tennessee $800
Texas $1,104
Utah $678
Vermont $626
Virginia $548
Washington $708
West Virginia $836
Wisconsin $634
Wyoming $814

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