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2005 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: Nov 30, 2021

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Average insurance rates for a 2005 Honda Pilot are $948 a year with full coverage. Comprehensive insurance costs on average $162 each year, collision insurance costs $160, and liability coverage costs $468. Buying a liability-only policy costs as little as $518 a year, and high-risk insurance costs $2,026 or more. Teen drivers receive the highest rates at up to $3,838 a year.

Annual premium for full coverage: $948

Rate estimates for 2005 Honda Pilot Insurance

Comprehensive $162
Collision $160
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 driver in their 40's, prices range range from as low as $518 for only liability insurance to a high rate of $2,026 for a driver who has had serious violations or accidents.

Liability Only $518
Full Coverage $948
High Risk $2,026

View Chart as Image

2005 Honda Pilot insurance rates compared
Column chart showing 2005 Honda Pilot insurance prices range from $588 to $3,838 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than using 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 2005 Honda Pilot Insurance

Searching Companies

Looking for cheaper car insurance rates for your Honda Pilot? If shopping for car insurance online is new to you, it’s easy to get confused by the large number of car insurance companies all offering big savings.

If you have car insurance now, you should be able to reduce your rates substantially using this strategy. This article will teach you how to get online quotes and some tips to save money. Nevertheless, consumers should learn the methods companies use to market insurance on the web because it can help you find the best coverage.

Comprehensive Insurance Coverage Comparison

There are a lot of ways to shop for insurance coverage, but some are less labor-intensive and much quicker. You could waste time driving to local insurance agents in your area, or you can stay home and use the internet to get prices fast.

Most of the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and every company can provide price quotes determined by their information. This saves time by eliminating form submissions to each company.

To use this form to compare 2005 Honda Pilot insurance rates click here (opens in new window).

One minor caviat to comparing rates this way is you don’t know exactly which carriers you will receive quotes from. If you prefer to choose from a list of companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare exactly the same coverage limits on every quote. If you are comparing unequal deductibles or liability limits it’s impossible to make an equal comparison. Having just a slight variation in coverages may result in a large different in cost. Keep in mind that obtaining a wide range of quotes helps locate better pricing.

Is there deception in advertising?

21st Century, Allstate and State Farm consistently run ads in print and on television. All the companies say the same thing of big savings if you change your policy. But how can every company make almost identical claims?

Different companies are able to cherry pick for the type of driver that makes them money. For instance, a preferred risk might be over the age of 40, has no tickets, and drives newer vehicles. Any driver that hits that “sweet spot” gets the lowest rates and therefore will save when switching.

Drivers who don’t measure up to the “perfect” profile will be charged a higher premium and this can result in the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently advertise the savings. That is why it’s extremely important to compare many company’s rates. Because you never know which insurance companies will provide you with the cheapest Honda Pilot insurance rates.

These discounts can lower your rates

Companies don’t list all available discounts very clearly, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums if you are claim-free for a certain period of time.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Pilot coverage with select insurance companies.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Senior Discount – Older drivers may receive a discount up to 10% on Pilot coverage.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates on your policy on Pilot coverage.
  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Insurance companies that may have these discounts include:

  • Esurance
  • The Hartford
  • AAA
  • State Farm

Double check with every prospective company which discounts you may be entitled to. Savings may not be available in your area.

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Different people need different coverages

When buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Do I need an umbrella policy?
  • Do I benefit by insuring my home with the same company?
  • Will I lose any money if I cancel my policy before it expires?
  • Which companies will insure high-risk drivers?
  • Are split liability limits better than a combined single limit?
  • What discounts do I qualify for?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When would I need additional glass coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

Auto insurance policy coverages for a Honda Pilot

Knowing the specifics of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, fire damage and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like surgery, hospital visits, chiropractic care and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as hitting a mailbox, crashing into a ditch, damaging your car on a curb, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability coverages

Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees, pain and suffering, court costs and loss of income. How much coverage you buy is your choice, but consider buying higher limits if possible.

Don’t be a big spender

Budget-conscious 2005 Honda Pilot insurance can be found on the web as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Drivers switch companies for a number of reasons such as policy non-renewal, poor customer service, delays in responding to claim requests and even policy cancellation. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where someone dropped uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

More tips and info about insurance is located by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2005 Honda Pilot Insurance Rates by City
City Premium
New York City, NY $1,500
Los Angeles, CA $1,620
Philadelphia, PA $1,266
Jacksonville, FL $1,378
Phoenix, AZ $1,100
Chicago, IL $1,274
Houston, TX $1,485
Seattle, WA $925
Columbus, OH $794
Indianapolis, IN $807

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Honda Pilot Insurance Rates by Driver Age
Driver Age Premium
16 $3,838
20 $2,146
30 $962
40 $948
50 $870
60 $852

Full coverage, $500 deductibles

Rates by Deductible

2005 Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,082
$250 $1,022
$500 $948
$1,000 $872

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $948
50/100 $1,042
100/300 $1,159
250/500 $1,463
100 CSL $1,088
300 CSL $1,346
500 CSL $1,533

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $5,386
20 $3,414
30 $2,036
40 $2,026
50 $1,936
60 $1,914

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 $123

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $54
5-yr Claim Free $58
Paid in Full/EFT $32
Advance Quote $39
Online Quote $63
Total Discounts $360
Rate after discounts $588

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

Find companies with the cheapest rates in your area

2005 Honda Pilot Insurance Rates by State
State Premium
Alabama $858
Alaska $728
Arizona $786
Arkansas $948
California $1,080
Colorado $906
Connecticut $976
Delaware $1,074
Florida $1,188
Georgia $874
Hawaii $680
Idaho $642
Illinois $708
Indiana $714
Iowa $638
Kansas $904
Kentucky $1,294
Louisiana $1,404
Maine $586
Maryland $780
Massachusetts $758
Michigan $1,648
Minnesota $792
Mississippi $1,138
Missouri $842
Montana $1,020
Nebraska $748
Nevada $1,138
New Hampshire $684
New Jersey $1,060
New Mexico $840
New York $1,000
North Carolina $546
North Dakota $778
Ohio $656
Oklahoma $974
Oregon $868
Pennsylvania $904
Rhode Island $1,266
South Carolina $858
South Dakota $802
Tennessee $832
Texas $1,142
Utah $702
Vermont $650
Virginia $568
Washington $734
West Virginia $868
Wisconsin $656
Wyoming $846

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