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2009 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 2009 Honda Pilot are $1,062 a year for full coverage insurance. Comprehensive insurance costs approximately $194 a year, collision costs $236, and liability coverage costs $474. Buying a liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,278 or more. Teenage drivers receive the highest rates at $4,206 a year or more.

Annual premium for full coverage: $1,062

Rate estimates for 2009 Honda Pilot Insurance

Comprehensive $194
Collision $236
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 go from as low as $522 for only liability insurance to a high of $2,278 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,062
High Risk $2,278

View Chart as Image

2009 Honda Pilot insurance rates compared
Column chart showing 2009 Honda Pilot insurance prices range from $644 to $4,206 for full coverage

These differences illustrate why it is important for drivers to compare rates using their specific location and risk profile, rather than using 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 2009 Honda Pilot Insurance

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Comparison shopping for auto insurance can seem to be nearly impossible for consumers new to buying insurance online. Consumers have so many options available that it can be a lot of work to compare prices.

Smart consumers take time to take a look at other company’s rates at least once a year since rates are adjusted regularly by insurance companies. If you had the best deal for Pilot insurance a couple years back the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.

Cut prices on 2009 Honda Pilot insurance

Car insurance can cost a lot, buy you may qualify for discounts to cut the cost considerably. Most are applied at quote time, but lesser-known reductions have to be requested specifically before you get the savings.

  • Club Memberships – Participating in a qualifying organization is a good way to get lower rates when shopping for insurance coverage for Pilot insurance.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you will save approximately 10% to 15%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.

Consumers should know that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. But all discounts will help reduce the amount you have to pay.

To see a list of insurance companies offering insurance coverage discounts, click here to view.

Comprehensive Auto Insurance Comparison

There are several ways to shop for Honda Pilot auto insurance, but some are more efficient than others. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

All the larger companies enroll in a system that allows shoppers to send in one quote, and every company then returns a price quote based on that information. This eliminates the need for quotation requests to every company. To find out how much you’re overpaying now click to open in new window.

The only downside to doing it this way is that consumers can’t choose which insurance companies to get pricing from. If you prefer to choose specific providers to compare rates, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you use apples-to-apples quote information on every quote. If you have different limits and deductibles on each one it will be next to impossible to make an equal comparison. Having just a slight variation in coverage limits can result in a big premium difference. And when price shopping your coverage, more quotes will increase your chances of finding a lower rate.

Tailor your coverage to you

When buying the best auto insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions may help highlight whether you would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • At what point should I drop full coverage?
  • Do I need rental car coverage?
  • Does insurance cover damages from a DUI accident?
  • What can I do if my company won’t pay a claim?
  • Does my 2009 Honda Pilot qualify for pleasure use?
  • Should I buy full coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Free Auto Insurance Comparison

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Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, sustaining damage from a pot hole, rolling your car, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, EMT expenses and rehabilitation expenses. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, legal defense fees, loss of income, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Smart shoppers get results

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your strategy should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Insureds switch companies for any number of reasons including being labeled a high risk driver, poor customer service, unfair underwriting practices and high prices. Regardless of your reason for switching companies, finding a new insurance company is easier than you think.

In this article, we covered a lot of techniques to reduce 2009 Honda Pilot insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from the least-expected company.

Much more information about insurance is located below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Honda Pilot Insurance Rates by City
City Premium
New York City, NY $1,680
Los Angeles, CA $1,818
Philadelphia, PA $1,422
Jacksonville, FL $1,545
Phoenix, AZ $1,235
Chicago, IL $1,426
Houston, TX $1,664
Seattle, WA $1,036
Columbus, OH $888
Indianapolis, IN $902

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Honda Pilot Insurance Rates by Driver Age
Driver Age Premium
16 $4,206
20 $2,412
30 $1,086
40 $1,062
50 $974
60 $952

Full coverage, $500 deductibles

Rates by Deductible

2009 Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,250
$250 $1,166
$500 $1,062
$1,000 $964

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,062
50/100 $1,157
100/300 $1,275
250/500 $1,583
100 CSL $1,204
300 CSL $1,465
500 CSL $1,655

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $5,932
20 $3,844
30 $2,302
40 $2,278
50 $2,176
60 $2,152

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 $141

Potential Rate Discounts

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

Discount Savings
Multi-policy $54
Multi-vehicle $56
Homeowner $19
5-yr Accident Free $65
5-yr Claim Free $67
Paid in Full/EFT $39
Advance Quote $46
Online Quote $72
Total Discounts $418
Rate after discounts $644

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

Find companies with the cheapest rates in your area

2009 Honda Pilot Insurance Rates by State
State Premium
Alabama $962
Alaska $816
Arizona $882
Arkansas $1,062
California $1,212
Colorado $1,016
Connecticut $1,092
Delaware $1,204
Florida $1,332
Georgia $980
Hawaii $764
Idaho $718
Illinois $792
Indiana $798
Iowa $718
Kansas $1,012
Kentucky $1,450
Louisiana $1,572
Maine $656
Maryland $876
Massachusetts $852
Michigan $1,846
Minnesota $890
Mississippi $1,274
Missouri $944
Montana $1,142
Nebraska $838
Nevada $1,276
New Hampshire $764
New Jersey $1,188
New Mexico $942
New York $1,120
North Carolina $612
North Dakota $872
Ohio $734
Oklahoma $1,092
Oregon $972
Pennsylvania $1,016
Rhode Island $1,418
South Carolina $962
South Dakota $898
Tennessee $930
Texas $1,280
Utah $788
Vermont $730
Virginia $636
Washington $822
West Virginia $972
Wisconsin $736
Wyoming $948

Free Auto Insurance Comparison

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