2013 Honda Pilot Insurance Rates
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UPDATED: Nov 30, 2021
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Average insurance rates for a 2013 Honda Pilot are $1,174 a year including full coverage. Comprehensive insurance costs around $240, collision costs $316, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,514 or more. Teen drivers receive the highest rates at $4,524 a year or more.
Annual premium for full coverage: $1,174
Rate estimates for 2013 Honda Pilot Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 go from as low as $510 for the bare minimum liability coverage to the much higher price of $2,514 for a driver who has had serious violations or accidents.
These differences highlight why everyone should compare prices for a specific zip code and risk profile, instead of 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 2013 Honda Pilot Insurance
Looking for cheaper insurance rates for your Honda Pilot? I can’t think of a single person who likes having to buy insurance, in particular when the cost is way too high. Companies like GEICO and Progressive increase brand awareness with catchy ads and it can be hard to see past the geckos and flying pigs and find the best price available.
If you have insurance now or are just looking to switch companies, you can use these tips to find better prices while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to know the best way to get comparison quotes online.
Are you getting all your discounts?
Auto insurance companies don’t necessarily list every discount in a way that’s easy to find, so we took the time to find both the well-known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars, standard features, and higher reliability.
- Discount for Life Insurance – Companies that offer life insurance give better rates if owners take out auto and life insurance together.
- Anti-lock Brake System – Vehicles with anti-lock braking systems features and electronic stability control can reduce accidents and earn discounts up to 10%.
- Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
It’s important to note that most of the big markdowns will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, insurance companies aren’t that generous.
Also, while some features like fog lights, trim levels, fuel economy, a navigation display, and extra rows of seating are nice, they don’t really mean much to insurers.
Companies that may have these discounts include:
- State Farm
- Liberty Mutual
- The Hartford
Check with all companies you are considering which discounts they offer. Savings may not apply in every state.
How do you tailor your coverage option to you?
When it comes to buying coverage, there is no cookie-cutter policy for being covered out on the road. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might point out whether you would benefit from professional advice.
- Does having multiple vehicles earn me a discount?
- Is business property covered if stolen from my car?
- What companies insure drivers after a DUI or DWI?
- Am I covered if I drive in a foreign country?
- Why do I need rental car insurance?
- Is my custom paint covered by insurance?
- Is my trailer covered?
- Does insurance cover damages from a DUI accident?
- Can I still get insurance after a DUI?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier. It’s fast, free, and can help protect your family.
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Why should you be wary of ads?
Drivers get pounded daily by advertisements for the lowest price auto insurance from the likes of GEICO, State Farm, and Progressive. They all seem to make an identical promise of big savings if you change your coverage to them.
But how can every company say the same thing? This is how they do it.
All the different companies can use profiling for the right customer that earns them a profit. For example, a profitable customer could possibly be between the ages of 30 and 50, is a homeowner, and has a short commute. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save when they switch companies.
Drivers who do not match the “perfect” profile will be charged higher prices and this can result in the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much. That’s the way companies can make those claims. That is why it’s extremely important to get a wide range of price quotes. It’s impossible to know which insurance companies will give you the biggest savings on Honda Pilot insurance.
What are the coverage options?
Knowing the specifics of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.
Liability insurance – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like structural damage, emergency aid, medical expenses and court costs. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.
Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims such as damage from flooding, vandalism, hail damage, damage from getting keyed and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.
Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses like funeral costs, chiropractic care, prosthetic devices and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than MedPay.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Honda Pilot.
Since many drivers 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.
How can you save?
Affordable 2013 Honda Pilot insurance can be found online and with local insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.
Throughout this article, we presented a lot of techniques to reduce insurance prices online. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with the smaller companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.
To learn more, feel free to visit the resources below:
- Vehicle Insurance in the U.S. (Wikipedia)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Avoiding Deer Collisions (Insurance Information Insitute)
- What is Covered by GAP Insurance? (Allstate)
Rates by U.S. City
|New York City, NY||$1,857|
|Los Angeles, CA||$2,004|
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||$76|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$46|
Discounts are estimated and may not be available from every company or in every state.