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2007 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 2007 Honda Pilot are $1,004 a year with full coverage. Comprehensive insurance costs on average $176 each year, collision insurance costs $196, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,150 or more. Teenage drivers receive the highest rates at up to $4,022 a year.

Annual premium for full coverage: $1,004

Rate estimates for 2007 Honda Pilot Insurance

Comprehensive $176
Collision $196
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 the average driver, prices range range from as low as $522 for just liability insurance to a high rate of $2,150 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,004
High Risk $2,150

View Chart as Image

2007 Honda Pilot insurance rates compared
Column chart showing 2007 Honda Pilot insurance prices range from $615 to $4,022 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location and risk profile, rather than relying on average rates.

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 2007 Honda Pilot Insurance

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Want cheaper car insurance rates for your Honda Pilot? If price shopping car insurance online is new to you, you can be overwhelmed by the hoards of online car insurance companies and websites offering coverage.

How to Compare Insurance Coverage Quotes

Effectively comparing insurance coverage prices can be a lot of work if you don’t understand the most efficient way to do it. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use the internet to maximize your effort.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote forms for each company you want a rate for. To find out how much you’re overpaying now click to open in new window.

The only downside to getting quotes like this is you cannot specify the insurers to get pricing from. If you prefer to choose specific providers to compare, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage limits and deductibles for each comparison quote. If you are comparing different values for each quote you will not be able to find the best deal for your Honda Pilot. Having just a slight variation in coverages can make a big difference in price. Just keep in mind that quoting more provides better odds of finding a better price.

Save big with these discounts

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but a few must be specially asked for before being credited.

  • Memberships – Participating in a qualifying organization is a good way to get lower rates when buying auto insurance on Pilot insurance.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Accident Free – Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Low Mileage Discounts – Keeping the miles down on your Honda could qualify for better rates on cars that stay parked.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% since new cars are generally safer.

As a disclaimer on discounts, many deductions do not apply the whole policy. A few only apply to specific coverage prices like comp or med pay. So when it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will cut your premiums.

For a list of insurance companies with the best auto insurance discounts, click here to view.

Free Auto Insurance Comparison

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But I don’t know anything about car insurance

When choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions can help discover if your insurance needs might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered when pulling a rental trailer?
  • Why do I need rental car insurance?
  • Exactly who is provided coverage by my policy?
  • What is the ISO rating for a 2007 Honda Pilot?
  • Should I buy full coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is roadside assistance coverage?
  • Do I need more liability coverage?
  • Are my friends covered when driving my 2007 Honda Pilot?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as a broken windshield, hail damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments – Med pay and PIP coverage pay for immediate expenses for things like chiropractic care, funeral costs, ambulance fees, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 2007 Honda Pilot.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as court costs, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision – This coverage covers damage to your Pilot caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, crashing into a ditch, damaging your car on a curb, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2007 Honda Pilot Insurance Rates by City
City Premium
New York City, NY $1,587
Los Angeles, CA $1,719
Philadelphia, PA $1,344
Jacksonville, FL $1,459
Phoenix, AZ $1,168
Chicago, IL $1,346
Houston, TX $1,573
Seattle, WA $980
Columbus, OH $840
Indianapolis, IN $854

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2007 Honda Pilot Insurance Rates by Driver Age
Driver Age Premium
16 $4,022
20 $2,276
30 $1,022
40 $1,004
50 $922
60 $902

Full coverage, $500 deductibles

Rates by Deductible

2007 Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,164
$250 $1,094
$500 $1,004
$1,000 $920

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,004
50/100 $1,099
100/300 $1,217
250/500 $1,525
100 CSL $1,146
300 CSL $1,407
500 CSL $1,597

Full coverage, driver age 40

Rates for High Risk Drivers

2007 Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $5,660
20 $3,628
30 $2,166
40 $2,150
50 $2,056
60 $2,032

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 $132

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $68
Total Discounts $389
Rate after discounts $615

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

Find companies with the cheapest rates in your area

2007 Honda Pilot Insurance Rates by State
State Premium
Alabama $910
Alaska $770
Arizona $834
Arkansas $1,004
California $1,146
Colorado $960
Connecticut $1,034
Delaware $1,138
Florida $1,258
Georgia $928
Hawaii $722
Idaho $680
Illinois $748
Indiana $756
Iowa $678
Kansas $956
Kentucky $1,372
Louisiana $1,486
Maine $622
Maryland $828
Massachusetts $806
Michigan $1,746
Minnesota $840
Mississippi $1,204
Missouri $890
Montana $1,080
Nebraska $792
Nevada $1,206
New Hampshire $724
New Jersey $1,124
New Mexico $890
New York $1,058
North Carolina $580
North Dakota $822
Ohio $694
Oklahoma $1,034
Oregon $920
Pennsylvania $960
Rhode Island $1,340
South Carolina $910
South Dakota $850
Tennessee $880
Texas $1,210
Utah $744
Vermont $688
Virginia $602
Washington $778
West Virginia $920
Wisconsin $696
Wyoming $896

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