2011 Honda Pilot Insurance Rates
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UPDATED: Mar 31, 2020
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Average insurance rates for a 2011 Honda Pilot are $1,110 a year including full coverage. Comprehensive insurance costs on average $216, collision costs $272, and liability insurance costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing $2,380 or more. Teenage drivers receive the highest rates at $4,338 a year or more.
Annual premium for full coverage: $1,110
Rate estimates for 2011 Honda Pilot Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 $514 for just liability coverage to the much higher price of $2,380 for high-risk insurance.
These differences highlight why everyone 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 2011 Honda Pilot Insurance
Looking for better auto insurance rates for your Honda Pilot? Paying for high-priced Honda Pilot insurance can empty your checking account, especially in this economy. Comparing price quotes is a great way to make sure you’re not throwing money away.
Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurance company and get the best coverage at the lowest rate
The fastest way that we advise to get rate comparisons is to realize all the major auto insurance companies provide online access to give rate comparisons. To begin a comparison, all you need to do is provide a little information like marital status, daily mileage, your occupation, and your education level. That information is sent automatically to multiple companies and you should receive rate quotes almost instantly.
To find lower rates now, click here and complete the quick form.
Do you qualify for discounts?
Insurance can cost an arm and a leg, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be asked for before they will apply.
- Military Rewards – Being on active duty in the military could mean lower rates.
- No Accidents – Claim-free drivers can save substantially when compared with frequent claim filers.
- Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Pilot insurance than drivers with accidents.
- Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Pilot insurance with select insurance companies.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Pilot insurance.
- E-sign – A handful of insurance companies may give you up to $50 just for signing your application on their website.
Consumers should know that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will cut your premiums.
Insurance companies that may offer these money-saving discounts may include but are not limited to:
It’s a good idea to ask each company what discounts are available to you. All car insurance discounts might not apply in your state.
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Don’t assume everyone needs the same coverage
When it comes to choosing the best insurance coverage coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation may require specific advice.
- Will I be non-renewed for getting a DUI or other conviction?
- Where can I get insurance after a DUI in my state?
- Why does it cost so much to insure a teen driver?
- Do I need an umbrella policy?
- Should I have a commercial auto policy?
- What are the financial responsibility laws in my state?
- Is there coverage for injuries to my pets?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.
Why you might be paying too much to insure your Honda Pilot
An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to big savings.
The following are some of the factors companies use to determine prices.
- Higher deductibles cost less – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, damage from fire, and burglary. The more money you’re willing to pay, the less your company will charge you for insurance on Pilot insurance.
- Younger drivers pay higher rates – Older insureds are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers tend to be more careless when behind the wheel and because of this, their insurance coverage rates are much higher.
- Better credit means lower rates – Your credit history is a important factor in calculating your insurance coverage rates. Therefore, if your credit history is not that good, you could save money insuring your 2011 Honda Pilot by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores.
- Equipment add-ons that lower insurance coverage rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
The fine print in car insurance ads
Car insurance companies such as State Farm and Allstate regularly use television and radio advertisements. They all seem to say the same thing that you’ll save big if you move your coverage to them. How do they all say the same thing? It’s all in the numbers.
All companies are able to cherry pick for the type of customer that makes them money. For instance, a preferred risk could be between the ages of 30 and 50, has no tickets, and has excellent credit. Any new insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save quite a bit of money when switching.
Potential customers who fall outside the requirements will be quoted more money which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save money. This is how companies can truthfully make the claims of big savings.
This emphasizes why it’s extremely important to compare many company’s rates. It’s impossible to know which company will fit your personal profile best.
Educate yourself about insurance coverages
Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.
Coverage for collisions
This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision insurance covers claims such as hitting a mailbox, rolling your car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.
Comprehensive (Other than Collision)
This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as hitting a bird, hail damage and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical expense insurance
Med pay and PIP coverage reimburse you for short-term medical expenses such as dental work, X-ray expenses, funeral costs and EMT expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
Protection from uninsured/underinsured drivers
This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.
Liability auto insurance
This protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for 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. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage pays for things such as pain and suffering, medical services, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
You can do this!
When shopping online for insurance, it’s a bad idea to reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage and learned later that they should have had better coverage. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.
We just covered many ways to reduce 2011 Honda Pilot insurance prices online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.
Other learning opportunities
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- Frontal Crash Tests (iihs.org)
- Auto Insurance Learning Center (State Farm)
- Child Safety FAQ (iihs.org)
- Determing Auto Insurance Rates (GEICO)
- Five Mistakes to Avoid (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$1,758|
|Los Angeles, CA||$1,902|
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||$70|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$42|
Discounts are estimated and may not be available from every company or in every state.