2010 Honda Pilot Insurance Rates
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UPDATED: Mar 31, 2020
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Average insurance rates for a 2010 Honda Pilot are $1,096 a year for full coverage. Comprehensive costs on average $210 a year, collision insurance costs $254, and liability coverage costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,348. Teen drivers receive the highest rates at up to $4,300 a year.
Annual premium for full coverage: $1,096
Rate estimates for 2010 Honda Pilot Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 of $2,348 for a driver that may need high-risk insurance.
These differences show why it is important for drivers to compare prices based on a specific location and risk profile, rather than using price averages.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2010 Honda Pilot Insurance
Nobody cherishes buying insurance, especially knowing their premiums are through the roof. Because there are so many insurance companies to choose from, it can be challenging to pick the cheapest car insurance company.
Locating the cheapest insurance coverage coverage is simple if you know the tricks. If you have a policy now or need a new policy, you can use these tips to get lower rates and possibly find even better coverage. Drivers just need to know the proper way to compare rates on the web.
Elements that influence Honda Pilot insurance rates
Smart consumers have a good feel for the different types of things that help determine the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
- Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
- Marriage pays dividends – Getting married helps lower the price on your car insurance policy. Having a spouse means you’re more mature than a single person and statistics show married drivers get in fewer accidents.
- Higher deductibles cost less – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Honda from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for Pilot insurance.
- Frequent car insurance claims increase rates – If you file claims often, you can pretty much guarantee either higher rates or even cancellation. Companies generally give discounts to policyholders who do not file claims often. Car insurance is meant to be used in the event of the large, substantial claims.
- Where you live can impact rates – Residing in less populated areas has it’s advantages when buying car insurance. Lower population translates into fewer accidents and also fewer theft and vandalism claims. City drivers tend to have congested traffic and longer commute times. Longer commute distances means more change of being in an accident.
Pay less for 2010 Honda Pilot insurance
Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Some trigger automatically when you complete an application, but some must be inquired about before being credited. If you aren’t receiving every discount possible, you’re paying more than you need to.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
- Organization Discounts – Affiliation with a civic or occupational organization is a good way to get lower rates when buying auto insurance for Pilot insurance.
- Government Employees – Simply working for the federal government can earn a discount up to 10% for Pilot insurance depending on your company.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Safety Course Discount – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
- Fewer Miles Equal More Savings – Driving fewer miles could qualify for better rates on cars that stay parked.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
Drivers should understand that many deductions do not apply to the entire cost. Some only reduce individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.
A partial list of companies who might offer these benefits include:
Check with each insurance company which discounts they offer. Some discounts might not be offered in your area.
Buyer beware of insurance advertising tricks
Consumers constantly see and hear ads for car insurance savings from companies such as Allstate, GEICO and Progressive. All the companies say the same thing of big savings if you switch your policy.
How can each company make the same claim? This is how they do it.
All companies have a preferred profile for the driver they prefer to insure. For instance, a profitable customer could be between the ages of 40 and 55, has no driving citations, and has a short commute. A propective insured who matches those parameters is entitled to the best price and as a result will probably pay quite a bit less when switching companies.
Potential insureds who fall outside the requirements will be quoted more money and ends up with the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That’s why insurance companies can confidently advertise the way they do.
This emphasizes why you should compare as many rates as you can. You cannot predict which insurance company will fit your personal profile best.
Tailor your coverage to you
When it comes to buying proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique so your insurance should reflect that For example, these questions might point out whether or not you could use an agent’s help.
- Can my babysitter drive my car?
- Why do I need rental car insurance?
- Should I file a claim if it’s only slightly more than my deductible?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Am I better off with higher deductibles on my 2010 Honda Pilot?
- Should I put collision coverage on all my vehicles?
- Do I need more liability coverage?
- When should I buy a commercial auto policy?
- Do I pay less if my vehicle is kept in my garage?
- Is there coverage for injuries to my pets?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.
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Auto insurance 101
Learning about specific coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.
Collision coverages – Collision insurance pays for damage to your Pilot from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like colliding with a tree, scraping a guard rail, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Liability car insurance – This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability can pay for things such as attorney fees, medical expenses and repair costs for stationary objects. How much coverage you buy is up to you, but buy as high a limit as you can afford.
Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as hail damage, vandalism and fire damage. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as pain medications, surgery, chiropractic care and ambulance fees. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2010 Honda Pilot.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Keep this in mind
When trying to cut insurance costs, never reduce needed coverages to save money. Too many times, an accident victim reduced liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage at the best price while still protecting your assets.
Throughout this article, we presented a lot of techniques to get a better price on 2010 Honda Pilot insurance. The key thing to remember is the more you quote, the higher the chance of saving money. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.
Additional insurance information can be found below:
- Rental Reimbursement Coverage (Allstate)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Anti-Lock Brake FAQ (iihs.org)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
- Collision Coverage (Liberty Mutual)
Rates by U.S. City
|New York City, NY||$1,734|
|Los Angeles, CA||$1,875|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$68|
|5-yr Claim Free||$69|
|Paid in Full/EFT||$41|
Discounts are estimated and may not be available from every company or in every state.