2014 Honda Pilot Insurance Rates
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UPDATED: Nov 30, 2021
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Average insurance rates for a 2014 Honda Pilot are $1,216 a year including full coverage. Comprehensive costs approximately $250, collision insurance costs $352, and liability costs $456. Buying a liability-only policy costs as little as $508 a year, and high-risk insurance costs around $2,612. Teenage drivers receive the highest rates at up to $4,662 a year.
Annual premium for full coverage: $1,216
Rate estimates for 2014 Honda Pilot Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 $508 for a discount liability-only rate to the much higher price of $2,612 for a driver that may need high-risk insurance.
These differences highlight why everyone should compare rates using their specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2014 Honda Pilot Insurance
Scraping up a payment for overpriced Honda Pilot insurance can take a big chunk out of your savings account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill.
You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have a choice, having more insurers makes it harder to adequately compare rates.
Consumers need to get comparison quotes at least once a year because prices change quite often. Just because you had the best deal on Pilot insurance two years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about insurance coverage because you’re about to learn the best way to remove unneeded coverages and save money.
Your Honda Pilot insurance rate is a complex equation
It’s important that you understand the factors that play a part in calculating insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.
Shown below are a few of the “ingredients” insurance companies consider when setting premiums.
- Discounts for married couples – Getting married actually saves money on insurance. Having a significant other means you’re more responsible and statistics show being married results in fewer claims.
- Bump up deductibles to save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Honda from damage. Examples of covered claims are colliding with a building, vandalism, and burglary. Physical damage deductibles are the amount of money you are required to spend before your insurance pays a claim. The more expense you’re willing to pay, the less your insurance will be on Pilot insurance.
- Liability insurance protects assets – The liability section of your policy will protect you when a court rules you are at fault for damages caused by your negligence. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
- Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. Safer cars result in less severe injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Honda Pilot has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
- You might want pay the small claims yourself – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies award cheaper rates to policyholders who do not file claims often. Your insurance policy is intended for major claims that would cause financial hardship.
How to Get Insurance
There are several ways to compare Honda Pilot insurance quotes, and some are less labor-intensive and much quicker. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize the web to get the quickest rates.
Most of the larger companies participate in an industry program where insurance shoppers only type in their quote data once, and each participating company can give them a price based on that data. This eliminates the need for quotation requests for each company. To use this form to compare 2014 Honda Pilot insurance rates click here to start a free quote.
The one disadvantage to getting quotes like this is you cannot specify which insurance companies you want to price. If you would rather choose specific insurance companies to request quotes from, we have assembled a list of low cost insurance companies in your area. Click here to view list.
It’s up to you how you get prices quotes, just make darn sure you compare exactly the same information for every company. If you are comparing unequal deductibles or liability limits you will not be able to determine which rate is truly the best. Slightly different limits can make a big difference in price. And when quoting insurance, remember that comparing a large number of companies will enable you to find better pricing.
Is there deception in advertising?
Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. All the companies have a common claim that you’ll save big if you change to them. But how can every company claim to save you money? This is how they do it.
All the different companies have a certain “appetite” for the right customer that is profitable for them. A good example of a preferred risk might be between 25 and 40, is a homeowner, and drives newer vehicles. A driver who meets those qualifications receives the best rates and most likely will save when switching.
Potential insureds who are not a match for the requirements must pay a higher premium and this can result in business not being written. The ads state “people who switch” not “everybody who quotes” save that much. That’s why companies can advertise the way they do.
This illustrates why it is so important to compare many company’s rates. It is impossible to predict which insurance companies will fit your personal profile best.
Take discounts and save
Insurance can cost an arm and a leg, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be requested specifically before you get the savings.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
- Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
- No Charge for an Accident – A handful of insurance companies permit an accident without raising rates if you are claim-free prior to the accident.
- Sign Online – Some insurance companies give back up to $50 just for signing your application over the internet.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Pilot insurance than drivers with accidents.
Drivers should understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will cut your overall premium however.
Insurance companies that may have these benefits include:
- Farm Bureau
- Liberty Mutual
- State Farm
- Auto-Owners Insurance
Before buying, ask each company which discounts you may be entitled to. Savings might not be offered everywhere.
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Which policy gives me the best coverage?
When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.
- Am I covered when driving a rental car?
- Why am I required to get a high-risk car insurance policy?
- Exactly who is provided coverage by my policy?
- Can I still get insurance after a DUI?
- When can I cancel my policy?
- Is my camper covered by my car insurance policy?
- Is my babysitter covered when using my vehicle?
- Is other people’s property covered if stolen from my vehicle?
- Should I buy more coverage than the required minimum liability coverage?
- Is my 2014 Honda Pilot covered for smoke damage?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Car insurance coverage considerations
Knowing the specifics of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on the average car insurance policy.
Comprehensive coverage (or Other than Collision)
This coverage 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 coverage protects against things such as a broken windshield, vandalism, theft and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
This coverage will pay to fix damage to your Pilot caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Liability coverage provides protection from injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three 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 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as structural damage, pain and suffering, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like funeral costs, hospital visits and dental work. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Honda Pilot.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Shop. Compare. Save.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped full coverage only to discover later that they should have had better coverage. The ultimate goal is to buy enough coverage at the best price while not skimping on critical coverages.
Cost effective 2014 Honda Pilot insurance can be purchased on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.
Additional information can be found at the links below
- Bodily Injury Coverage (Liberty Mutual)
- Credit Impacts Car Insurance Rates (State Farm)
- Insuring a Leased Car (Insurance Information Insitute)
- How to Avoid Staged Accidents (State Farm)
Rates by U.S. City
|New York City, NY||$1,923|
|Los Angeles, CA||$2,079|
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||$81|
|5-yr Claim Free||$77|
|Paid in Full/EFT||$49|
Discounts are estimated and may not be available from every company or in every state.