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2018 Honda Pilot Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2018 Honda Pilot are $1,306 a year for full coverage insurance. Comprehensive costs approximately $296, collision insurance costs $436, and liability costs around $416. Buying a liability-only policy costs as low as $474 a year, and high-risk insurance costs around $2,802. Teenage drivers receive the highest rates at up to $4,872 a year.

Annual premium for full coverage: $1,306

Rate estimates for 2018 Honda Pilot Insurance

Comprehensive $296
Collision $436
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 middle-aged driver, prices range range from as low as $474 for just liability coverage to a much higher rate of $2,802 for a high risk driver.

Liability Only $474
Full Coverage $1,306
High Risk $2,802

View Chart as Image

2018 Honda Pilot insurance rates compared
Column chart showing 2018 Honda Pilot insurance prices range from $766 to $4,872 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices 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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2018 Honda Pilot Insurance

Searching Companies

Buyers have many options when searching for the lowest priced Honda Pilot insurance. They can either spend hours driving around getting price quotes or utilize the internet to get rate quotes. There are more efficient ways to find insurance coverage online so we’re going to tell you the absolute fastest way to compare rates for a Honda and obtain the lowest price from both online companies and local agents.

Finding the best rates is quite easy. If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to learn the most effective way to compare price quotes online.

First Step: Get free insurance quotes

Many insurance companies allow you to get prices for coverage on their websites. Getting online quotes is very simple as you simply type in the amount of coverage you want on the page. Once you submit the form, their quoting system requests your credit score and driving record and generates pricing information.

Online price quotes helps simplify price comparisons, but the work required to visit different websites and type in your information can be a bit repetitive. But it’s very important to do this if you want to get the lowest possible prices on insurance.

A more efficient way to get multiple rate quotes utilizes a single form to obtain quotes from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes online price comparison a little more enjoyable. As soon as the form is sent, it gets priced and you can choose any or none of the returned quotes. If you find a better price you can click and sign and purchase the new policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

To save time and find out if lower rates are available, simply enter your zip code here and complete the simple form. To compare your current rates, we recommend you complete the form with identical to your current policy. Doing this assures you will have a price comparison for the exact same coverage.

Do you qualify for discount insurance coverage?

Some providers do not advertise every possible discount very well, so we break down some of the more common as well as some of the hidden credits that may apply to you.

  • Anti-theft System – Cars and trucks that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your car insurance quote.
  • Multiple Vehicles – Buying coverage for several vehicles on a single policy qualifies for this discount.
  • One Accident Forgiven – Not a discount per se, but certain companies allow you one accident without getting socked with a rate hike if you are claim-free for a set time period.
  • Discount for Low Mileage – Low annual miles can earn discounted rates on garaged vehicles.
  • Sign Online – A few larger online companies will give you a small discount for buying your policy on their website.
  • Discount for Swiching Early – Some larger companies reward drivers for switching companies before your current coverage expires. This discount can save up to 10%.
  • Accident Free – Claim-free drivers pay less in comparison to drivers with a long claim history.

A quick disclaimer, some credits don’t apply to the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky.

Popular insurance coverage companies and a summarized list of policyholder discounts are detailed below.

  • State Farm may have discounts that include Drive Safe & Save, good driver, driver’s education, safe vehicle, anti-theft, and multiple policy.
  • American Family offers premium reductions for multi-vehicle, mySafetyValet, bundled insurance, defensive driver, accident-free, good driver, and Steer into Savings.
  • AAA may include discounts for education and occupation, good student, AAA membership discount, multi-policy, anti-theft, and good driver.
  • GEICO offers discounts including anti-lock brakes, anti-theft, seat belt use, multi-vehicle, and military active duty.
  • Mercury Insurance has discounts for annual mileage, anti-theft, good student, ease of repair, and professional/association.
  • Farmers Insurance discounts include multi-car, good student, business and professional, bundle discounts, electronic funds transfer, switch companies, and mature driver.
  • Progressive has savings for homeowner, continuous coverage, online quote discount, good student, online signing, and multi-vehicle.

If you need lower rates, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not apply in every state. If you would like to see a list of companies with discount rates, enter your zip code here.

What insurance coverages do I need?

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

  • Is motorclub coverage worth it?
  • What is PIP insurance?
  • How much liability do I need to cover my assets?
  • Should I waive the damage coverage when renting a car?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy full coverage?
  • If I drive on a suspended license am I covered?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete your zip code. It is quick, free and can provide invaluable advice.

Car insurance in the media

Consumers can’t ignore all the ads that claim the best prices by State Farm, Allstate and GEICO. They all have a common claim about how much you will save after switching your coverage.

How does every company cost less than your current company? You have to listen carefully.

Many companies give the cheapest rates for a prospective insured that earns them the most money. An example of this type of insured may be between the ages of 30 and 45, insures multiple vehicles, and has excellent credit. Anyone that fits those parameters is entitled to the best price and will also pay quite a bit less when switching companies.

Drivers who are not a match for these standards may be forced to pay higher prices and ends up with the customer not buying. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” save that much when switching. That’s the way companies can truthfully make claims like that. This really emphasizes why it is so important to do a quote comparison often. It’s just too difficult to predict with any certainty which company will have better premium rates than you’re paying now.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible 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 falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, damaging your car on a curb, sustaining damage from a pot hole, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for pain medications, nursing services, surgery and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability

This provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover 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. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Find Good Coverage for Less

In this article, we presented some good ideas how you can compare 2018 Honda Pilot insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding cheap car insurance. Consumers may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Consumers switch companies for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, unfair underwriting practices and even policy non-renewal. Regardless of your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In too many instances, drivers have reduced physical damage coverage only to regret that the savings was not a smart move. Your objective should be to find the BEST coverage for the lowest cost and still be able to protect your assets.

Even more information can be found by following these links:

Rates by U.S. City

2018 Honda Pilot Insurance Rates by City
City Premium
New York City, NY $2,067
Los Angeles, CA $2,235
Philadelphia, PA $1,744
Jacksonville, FL $1,898
Phoenix, AZ $1,520
Chicago, IL $1,753
Houston, TX $2,049
Seattle, WA $1,275
Columbus, OH $1,094
Indianapolis, IN $1,114

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 Honda Pilot Insurance Rates by Driver Age
Driver Age Premium
16 $4,872
20 $2,972
30 $1,358
40 $1,306
50 $1,194
60 $1,168

Full coverage, $500 deductibles

Rates by Deductible

2018 Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,626
$250 $1,480
$500 $1,306
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,306
50/100 $1,389
100/300 $1,493
250/500 $1,764
100 CSL $1,431
300 CSL $1,660
500 CSL $1,826

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $6,928
20 $4,726
30 $2,858
40 $2,802
50 $2,672
60 $2,646

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.

SR-22 Surcharge $175

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $91
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $62
Online Quote $92
Total Discounts $540
Rate after discounts $766

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2018 Honda Pilot Insurance Rates by State
State Premium
Alabama $1,182
Alaska $1,004
Arizona $1,086
Arkansas $1,306
California $1,490
Colorado $1,248
Connecticut $1,344
Delaware $1,480
Florida $1,636
Georgia $1,208
Hawaii $938
Idaho $884
Illinois $974
Indiana $986
Iowa $882
Kansas $1,244
Kentucky $1,784
Louisiana $1,934
Maine $806
Maryland $1,078
Massachusetts $1,044
Michigan $2,270
Minnesota $1,094
Mississippi $1,564
Missouri $1,162
Montana $1,406
Nebraska $1,032
Nevada $1,568
New Hampshire $942
New Jersey $1,462
New Mexico $1,156
New York $1,378
North Carolina $754
North Dakota $1,070
Ohio $904
Oklahoma $1,342
Oregon $1,198
Pennsylvania $1,246
Rhode Island $1,744
South Carolina $1,184
South Dakota $1,104
Tennessee $1,146
Texas $1,576
Utah $970
Vermont $894
Virginia $784
Washington $1,012
West Virginia $1,198
Wisconsin $906
Wyoming $1,164

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