Honda Pilot Insurance Rates

How much is insurance on a Honda Pilot? How do I get affordable Honda Pilot auto insurance? The average Honda Pilot insurance rates are $111 per month or $1,336 annually. Many factors impact your car insurance rates, including the age of your vehicle. For example, the 2017 Honda Pilot insurance costs will be more than the 2005 Honda Pilot insurance costs.

Keep reading. Our comprehensive guide will not only help answer questions like what does liability insurance cover, but it will also help you understand and lower your Honda Pilot vehicle insurance. 

Ready to secure cheap Honda Pilot insurance rates? Enter your five-digit ZIP code into our FREE quote comparison tool to start comparing affordable Honda Pilot car insurance quotes right away.

Average insurance prices for a Honda Pilot are $1,310 every 12 months including full coverage. Comprehensive costs approximately $306, collision insurance costs $448, and liability costs around $398. Buying just liability costs as low as $460 a year, and insurance for high-risk drivers costs around $2,804. Teens receive the highest rates at up to $4,846 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all Pilot models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples highlight why everyone should compare prices using their specific location and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down average Honda Pilot insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $771
• Using higher $1,000 deductibles will save $170 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,310
• Selecting pricier low deductibles for physical damage coverage increases the price to $1,638
• Drivers with serious driving violations could pay around $2,804
• The cost to insure a teen driver for full coverage can cost $4,846 or more

View Chart as Image

Auto insurance rates for a Honda Pilot can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Pilot.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $500 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Honda Pilot insurance for high-risk drivers can be as much as 43% to 128% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Honda Pilot insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Right Honda Pilot Insurance

Saving money on car insurance requires being a good driver, having a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following list is a quick rundown of the car insurance concepts covered above.

• Higher risk drivers with reckless driving or DUI convictions could be charged and average of $1,490 more per year than a safer driver
• You may be able to save around $150 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save as much as $500 each year
• Policyholders who purchase an increased level of liability coverage will pay approximately $440 per year to increase from a minimum limit to a 250/500 level

As you can see from the above information, the average cost of the Honda Pilot for car insurance depends on many variables. We can help you lower your Honda Pilot 2016 insurance costs or Honda Pilot 2018 insurance costs, just enter your ZIP code into our FREE quote comparison tool below. 

What are the safety ratings for the Honda Pilot?

Understanding the Honda Pilot safety ratings can help you see what discounts you qualify for and what might be costing you more money. 

Check out the safety ratings for the 2020 Honda Pilot below. 

• Small overlap front (driver-side): Good
• Small overlap front (passenger): Acceptable 
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. You’ll see some decreases in your rates thanks to these great safety ratings. 

But are Honda pilots expensive to repair? If so, it can increase your car insurance rates. Fortunately, the Honda Pilot cost to own and maintain is lower than average for SUVs. Because the cost to own a Honda Pilot is so affordable, you’re insurance rates will also be lower. 

You might be wondering if the Honda Pilot insurance rates are so low, then why is the Honda Civic insurance so high? The classic sedan is driven mostly by teenagers, who on average have much higher insurance rates. This is why the 2020 Honda Civic insurance costs will be higher than the 2019 Honda Pilot insurance.

Honda Pilot Compared Against other Vehicles in the Same Class

Comparing the Honda Pilot to similar vehicles can help you save money, especially if the Honda Pilot has a better loss ratio than other cars in the same class. 

Officially, the Insurance Institute for Highway Safety classifies it as a midsize SUV. Therefore comparing the 2017 Honda Pilot insurance costs to the 2019 Honda Accord insurance costs would be misleading, because the Accord is a sedan, not an SUV.

You’d be better off comparing the insurance cost of a Honda Pilot 2017 model to the Honda Passport insurance costs, as both vehicles are in the same class. Check out other comparable SUVs below.  

• Dodge Journey
• Ford Flex
• Hyundai Santa Fe

Fortunately, the Honda Pilot has better than average collision insurance loss ratios at -26 percent, the same goes for the property damage loss ratios at -25 percent. The medical payment loss ratios are also better than average at -26 percent, as are the bodily injury loss ratios at -29 percent. As a result, this SUV receives lower insurance rates. 

If you’re wondering how much should I pay for a 2020 Honda Pilot, expect it to cost around $32,000 in total. How much is insurance on a 2020 Honda Pilot? On average, you’ll pay around $111 per month. 

If you’re interested in a less expensive model, consider asking yourself how much should I pay for a 2018 Honda Pilot or even how much should I pay for a 2019 Honda Pilot? You may be able to find some affordable rates for these slightly older models. 

The 2017 Honda Pilot EX invoice price is also around $30,000, as is the 2016 Honda Pilot cost to own. 

If you’re looking to buy used, the 2003 Honda Pilot price range goes from $800 to $3,000 depending on the quality of the vehicle. There are a few different 2003 Honda Pilot trim levels you can find as well. 

There are also different 2005 Honda Pilot trim levels and 2007 Honda Pilot trim levels that will either increase or decrease the price of the SUV and your rates for insurance. Researching these models beforehand can help you make your final choice. 

You’re now an expert on Honda Pilot insurance rates. Start shopping for affordable insurance premiums for your Honda Pilot by entering your ZIP code into our FREE quote comparison tool. You’ll find great rates from the top Honda Pilot auto insurance companies.