2020 Honda Pilot Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2020 Honda Pilot are $1,320 a year with full coverage. Comprehensive insurance costs on average $320 each year, collision costs $452, and liability insurance costs around $390. Buying a liability-only policy costs as low as $452 a year, with high-risk insurance costing $2,814 or more. Teen drivers receive the highest rates at $4,838 a year or more.
Annual premium for full coverage: $1,320
Rate estimates for 2020 Honda Pilot Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2020 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 driver in their 40's, prices range go from as low as $452 for only liability insurance to a high rate of $2,814 for a driver who has had serious violations or accidents.
These differences demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than relying 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 2020 Honda Pilot Insurance
If you are new to online price comparisons, there’s a good chance you are bewildered thanks to the huge assortment of local and online companies all promising to save you money.
Consumers need to get comparison quotes periodically because prices go up and down regularly. Even if you think you had the best rates on Pilot insurance a year ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to find out the best methods to save money, get proper deductibles and limits, all at the lowest rate.
Earn discounts on insurance
Companies don’t necessarily list all disounts in a way that’s easy to find, so we break down both well-publicized and also the more inconspicuous insurance savings.
- Own a Home – Owning a home can help you save on insurance because of the fact that having a home is proof that your finances are in order.
- Driver Training Discounts – Taking part in a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
- Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
- Lower Rates for Military – Having an actively deployed family member could be rewarded with lower premium rates.
- ABS Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
- Buy New and Save – Insuring a vehicle that is new may earn a small discount because new vehicles are generally safer.
- College Student Discount – Older children who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
- Multi-policy Discount – If you can combine your home and auto policy and insure them with the same company you may save over 10 percent off each policy depending on the company.
- Federal Government Employee – Active or retired federal employment could cut as much as 10% off on Pilot insurance but check with your company.
As a footnote on discounts, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way.
A few of the larger companies and their possible discounts are included below.
- Esurance offers discounts for online shopper, online quote, Switch & Save, DriveSense, emergency road assistance, Pac-12 alumni, and multi-policy.
- The Hartford includes discounts for defensive driver, vehicle fuel type, good student, bundle, and air bag.
- AAA may include discounts for good student, education and occupation, good driver, AAA membership discount, and multi-policy.
- GEICO may offer discounts for multi-vehicle, multi-policy, driver training, anti-lock brakes, emergency military deployment, and anti-theft.
- State Farm may have discounts that include anti-theft, multiple policy, passive restraint, accident-free, defensive driving training, good driver, and multiple autos.
Before you buy a policy, ask every insurance company which discounts can lower your rates. Savings may not apply to policies in your state. To see a list of insurance companies with significant discounts, enter your zip code here.
Tailor your car insurance coverage to you
When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.
These are some specific questions might help in determining whether or not you might need professional guidance.
- When would I need additional glass coverage?
- Why is insurance for a teen driver so high?
- How do I insure my teen driver?
- Is there coverage for injuries to my pets?
- Am I covered if I wreck a rental car?
- What is UM/UIM insurance?
- Can I still get insurance after a DUI?
- Am I covered when driving in Canada or Mexico?
- How much liability coverage do I need in my state?
- Does medical payments coverage apply to all occupants?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, complete your zip code.
The largest companies are not always cheapest
Well-known auto insurance companies like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. They all make an identical promise about saving some big amount just by moving your coverage. How can each company give you a better price? You have to listen carefully.
Different companies give the best rates for a prospective insured that is profitable for them. One example of a desirable risk may need to be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. Any new insured who matches that profile will probably get the lowest premium rates and therefore will pay quite a bit less when switching companies.
Potential customers who fall short of the “perfect” profile will probably be forced to pay higher prices which usually ends up with business going elsewhere. If you pay attention, the ads say “drivers who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can make the claims of big savings. Each company has different criteria, so you really need to get car insurance quotes as often as possible. You cannot predict which company will have the lowest rates for your situation.
Insurance coverage basics
Having a good grasp of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as falling objects, a broken windshield and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2020 Honda Pilot.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Collision insurance will pay to fix damage to your Pilot from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers claims like hitting a mailbox, colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.
This protects you from damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for things such as emergency aid, repair costs for stationary objects, medical expenses and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.
Coverage for medical payments
Coverage for medical payments and/or PIP pay for short-term medical expenses like surgery, pain medications, ambulance fees, rehabilitation expenses and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Don’t break the bank
As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where someone dropped uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to buy enough coverage at the best possible price and still be able to protect your assets.
Consumers change insurance companies for any number of reasons including poor customer service, delays in paying claims, not issuing a premium refund or policy cancellation. It doesn’t matter why you want to switch switching car insurance companies can be easier than you think.
We just showed you a lot of information how to save on 2020 Honda Pilot insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding the cheapest car insurance. You may even find the lowest premium rates come from some of the smallest insurance companies.
Rates by U.S. City
|New York City, NY||$2,082|
|Los Angeles, CA||$2,253|
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||$92|
|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.