2019 Honda Pilot Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Honda Pilot are $1,310 a year with full coverage. Comprehensive costs on average $306 a year, collision insurance costs $448, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, and high-risk insurance costs around $2,804. Teen drivers receive the highest rates at up to $4,846 a year.
Annual premium for full coverage: $1,310
Rate estimates for 2019 Honda Pilot Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 $460 for just liability coverage to a high of $2,804 for a high risk driver.
These differences demonstrate why it is important for drivers to compare prices based on a specific location and risk profile, instead of making a decision based on 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 2019 Honda Pilot Insurance
Want better insurance rates? Drivers have options when trying to find the best price on Honda Pilot insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to make rate comparisons.
There are both good and bad ways to compare insurance rates and you need to know the best way to get price quotes for a new or used Honda and get the best price possible either online or from local insurance agents.
It’s a great practice to get comparison quotes before your next renewal because rates trend upward over time. Despite the fact that you may have had the best deal for Pilot insurance six months ago other companies may now be cheaper. Block out anything you think you know about insurance because it’s time to teach you the things you must know in order to reduce your cost while increasing coverage.
This article will instruct you on the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you will be able to save some money using these methods. Drivers just need to understand how to shop online.
Finding car insurance
Most of the larger companies like State Farm, GEICO and Progressive allow you to get price estimates on their websites. Getting online quotes is easy for anyone because you just enter your personal and coverage information on the page. Upon sending the form, their quoting system makes automated requests for your driving and credit reports and returns a price based on the information you submitted.
Quoting online makes comparing rates easy, but having to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step in order to get the lowest car insurance rates.
A less time-consuming method to find cheaper rates utilizes a single form that gets prices from several companies at one time. This type of form saves time, reduces the work, and makes online price comparison much easier. As soon as the form is sent, your coverage is rated and you are able to buy any of the quotes that you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase coverage. This process takes 15 minutes at the most and can result in significant savings.
To save time and find out if lower rates are available, simply enter your zip code here and complete the simple form. If you have coverage now, it’s recommended you input identical to your current policy. This helps ensure you are getting rate quotes based on similar coverages.
Insurance myths debunked
Consumers constantly see and hear ads that promise big savings for switching by State Farm, GEICO and Progressive. All the companies convey the message of big savings if you get a free insurance quote and switch your coverage to them.
How do they all charge lower premium rates? Here is how they do it.
All companies look for specific characteristics for the driver that will generate a profit. An example of a profitable insured may need to be over the age of 35, carries full coverage, and the vehicle is rated for pleasure use. Someone that fits those parameters will probably get the lowest rates and as a result will probably save a lot of money.
People who do not meet the ideal profile will see a higher premium and the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “all people who quote” save that much when switching. That is how companies can state the savings.
This emphasizes why you should do a price quote comparison at every renewal. It’s not possible to predict which insurance companies will provide you with the cheapest premium rates.
How insurers determine Honda Pilot insurance prices
Many factors are considered when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are more transparent like where you live or your vehicle rating.A large part of saving on insurance coverage is knowing a few of the rating criteria that come into play when calculating your premiums. If you have some idea of what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get big savings.
- Occupation stress can make you pay more – Jobs such as fire fighterspolice officers and emergency personnel are shown to have the highest rates attributed to job stress and long work hours. On the other hand, occupations such as farmers, engineers and homemakers have the lowest average rates for Pilot insurance.
- Do you qualify for a multi-policy discount? – Most major companies allow lower prices for people who carry more than one policy in the form of a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, drivers will still want to check prices from other companies to make sure you are getting the best deal.
- Long commutes cost more – The more miles you rack up on your Honda each year the higher your rate. Almost all companies apply a rate based on their usage. Autos used primarily for pleasure use cost less to insure compared to those used for work or business. Verify your policy properly reflects how each vehicle is driven. Having an incorrect usage rating on your Pilot may be wasting your money.
- Do you really need the add-on coverages? – There are a lot of extra add-on coverages you can purchase when buying insurance coverage. Insurance for things like roadside assistance, better glass coverage, and term life insurance may be wasting your money. They may sound like good ideas when you first buy your policy, but if you have no use for them remove them from your policy.
- Driving citations drive up rates – Even a single ticket can boost insurance rates forty percent or more. Good drivers receive lower rates compared to bad drivers. Drivers who have received license-revoking tickets such as DUI or reckless driving may find that they have to to complete a SR-22 with their state’s licensing department in order to continue driving.
- Big city or small town – Choosing to live in less populated areas can be a good thing when buying insurance coverage. City drivers tend to have more aggressive driving styles and more severe claims. Less people translates into fewer accident claims in addition to fewer liability claims.
- Better rates on vehicles with better crash test results – Safer cars get lower rates. The safest vehicles reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims which can mean better rates for you.
Use discounts to get cheaper insurance coverage rates
Companies do not list the entire discount list very clearly, so the below list has some of the best known as well as the least known savings tricks you should be using when you buy insurance online. If they aren’t giving you every credit available, it’s possible you qualify for a lower rate.
- Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
- Active Service Discounts – Being on active deployment in the military could be rewarded with lower prices.
- Savings for New Vehicles – Buying a new car model may earn a small discount because newer models are generally safer.
- Discount for Low Mileage – Driving fewer miles may allow you to get substantially lower insurance coveragerates.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Pilot insurance with certain companies.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.
- Seat Belt Discounts – Requiring all passengers to buckle up can save a little off the PIP or medical payment premium.
A little note about advertised discounts, some credits don’t apply to the whole policy. Most only reduce individual premiums such as medical payments or collision. So when it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.
A few of the larger companies and a selection of discounts are outlined below.
- State Farm has discounts for multiple autos, anti-theft, good student, good driver, Steer Clear safe driver discount, student away at school, and driver’s education.
- American Family may have discounts that include defensive driver, good student, good driver, bundled insurance, air bags, and multi-vehicle.
- GEICO discounts include anti-lock brakes, membership and employees, multi-policy, anti-theft, and seat belt use.
- 21st Century may include discounts for theft prevention, homeowners, anti-lock brakes, 55 and older, automatic seat belts, and early bird.
- Progressive may offer discounts for multi-vehicle, online signing, homeowner, multi-policy, continuous coverage, and good student.
When quoting, ask all the companies what discounts are available to you. Savings may not apply to policyholders everywhere.
Tailor your insurance coverage coverage to you
When buying coverage, there is no “best” method to buy coverage. Every insured’s situation is different.
Here are some questions about coverages that can help discover whether your personal situation will benefit from professional help.
- When should I drop full coverage on my 2019 Honda Pilot?
- What are the best liability limits?
- Am I covered if I hit a deer?
- Will my rates increase for filing one claim?
- Exactly who is provided coverage by my policy?
- How do I insure my teen driver?
- How can I force my company to pay a claim?
- Is my custom paint covered by insurance?
If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete your zip code. It is quick, free and you can get the answers you need.
Specific coverage details
Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Uninsured and underinsured coverage
This coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.
Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for claims like bail bonds, emergency aid, attorney fees and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
This coverage pays for damage to your Pilot resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as crashing into a building, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for expenses for things like pain medications, chiropractic care, surgery and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from getting keyed, hitting a bird, damage from a tornado or hurricane, fire damage and hail damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Smart shoppers get results
Some companies may not offer price quotes online and usually these regional insurance providers only sell coverage through independent agencies. Cheaper car insurance can be bought from both online companies and from local insurance agents, and you should be comparing both in order to have the best chance of saving money.
You just read a lot of ways to reduce 2019 Honda Pilot insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may be surprised to find that the best price on car insurance is with some of the smallest insurance companies.
Insureds leave their current company for many reasons like not issuing a premium refund, delays in responding to claim requests, unfair underwriting practices or even lack of trust in their agent. It doesn’t matter what your reason, finding a new company can be easier than you think.
Additional detailed information is located in these articles:
Rates by U.S. City
|New York City, NY||$2,073|
|Los Angeles, CA||$2,241|
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||$91|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.