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 $976 every 12 months for full coverage. Comprehensive insurance costs on average $166 each year, collision insurance costs $178, and liability coverage is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,088 or more. Teenage drivers receive the highest rates at up to $3,934 a year.

Average premium for full coverage: $976

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Pilot models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas tend to have more infrequent accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects car insurance rates.

These examples show why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using average rates.

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

Additional Charts and Tables

The chart below shows average Honda Pilot insurance rates for different risk profiles and scenarios.

• The best discount rate is $601
• Raising to $1,000 deductibles will save around $78 a year
• The average price for a 40-year-old driver with $500 deductibles is $976
• Using low deductibles costs an extra $148 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,088
• The cost to insure a teenage driver may cost $3,934

View Chart as Image

Insurance rates for a Honda Pilot can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Pilot.

Using high physical damage deductibles can reduce rates by up to $230 a year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,600 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 126% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Honda Pilot insurance rates. A middle-age driver might find rates as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,390 on average in Michigan, Louisiana, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2009 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 Best Cheap Honda Pilot Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and determing if full coverage is necessary. Set aside time to shop around every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following is a quick review of the ideas that were raised in the charts and tables above.

• Teens pay the highest rates, costing as high as $328 per month if they have full coverage
• Drivers with a DUI or reckless driving violation pay an average of $1,110 more each year for Pilot insurance
• Increasing deductibles could save as much as $225 each year
• Drivers can save as much as $110 per year just by quoting online in advance

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.