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Best Cheap Insurance for a Honda Pilot in Alabama

Enter your Alabama zip code below to view companies that have cheap auto insurance rates.

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 7, 2019

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When writing about car insurance, the word affordable should not be used anywhere in the article to describe car insurance prices. Forgive the oxymoron, but cheap car insurance for a Honda Pilot can be hard to find. Don’t let that bother you, though, because we are going to show you some ways you can find insurance that is cheaper than your current rate.

Honda Pilot insurance

Whether or not you can find cheap insurance for a Honda Pilot in Alabama hinges on a complicated rating formula that uses factors like annual vehicle mileage, where your vehicle is garaged, and if you have a history of accidents. Drivers pay an average rate of $970 annually to insure a Pilot, but that is an estimate based on rate data for a 40-year-old married male driver who needs full comprehensive and collision coverage and $250 deductibles.

There’s a high likelihood you are not 40 and possibly not even male, possibly single instead of married, or maybe you’re a renter instead of a homeowner. Auto insurance is unique to each driver, so the way we recommend to find cheap car insurance rates for your Honda is to make a habit of regularly comparing rates from other companies. Comparing quotes is easy and you will get price quotes from top-rated companies that offer coverage in Alabama.

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

Your vehicle’s trim level will likely have an effect on the annual cost of coverage, so the price you pay to insure a Pilot LX 2WD trim level will be $102 lower than the price to insure the more well-appointed Pilot Touring 4WD version, as shown by the rates below.

Honda Pilot Insurance Rates in Alabama
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $238 $332 $348 $20 $104 $1,042 $87
Pilot EX 2WD $268 $332 $348 $20 $104 $1,072 $89
Pilot EX 4WD $268 $332 $348 $20 $104 $1,072 $89
Pilot EX-L 2WD $268 $404 $348 $20 $104 $1,144 $95
Pilot EX-L 4WD $268 $404 $348 $20 $104 $1,144 $95
Pilot Touring 2WD $268 $404 $348 $20 $104 $1,144 $95
Pilot Touring 4WD $268 $404 $348 $20 $104 $1,144 $95
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in vehicle location which can revise premium rates noticeably.

Deciding which companies quote the lowest-priced insurance rates for a Honda Pilot takes a little more work in order to find a policy that fits your budget.

Every car insurance company has a unique approach to set policy rates, so let’s rank the overall cheapest insurance companies in Alabama. It’s important to understand that Alabama insurance rates are based on many factors that control the policy price. Getting older, having a teen driver, or getting a speeding ticket can trigger changes in premium that can cause some rates to be cheaper than competitors.

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

Cheapest auto insurance in Alabama ranked by cost per year
Rank Company Cost Per Year
1 Travelers $783
2 Cincinnati Insurance $812
3 USAA $931
4 GEICO $1,050
5 Country $1,171
6 Auto-Owners $1,206
7 Safeway $1,218
8 Progressive $1,274
9 MetLife $1,340
10 State Auto $1,345
11 California Casualty $1,451
12 State Farm $1,563
13 Nationwide $1,642
14 ALFA $1,743
15 Farmers $1,855
16 Allstate $1,873
17 Safeco $2,580
18 Liberty Mutual $2,717
Find Cheaper Rates Go


Travelers has some of the most affordable car insurance rates in Alabama at around $783 annually. Cincinnati Insurance, USAA, GEICO, and Country also rank well as some of the lowest-priced Alabama insurance companies.

As shown in the rates above, if you are a customer of USAA and switched to Travelers, you may realize yearly savings of in the vicinity of $148. Policyholders with GEICO could save as much as $267 a year, and Country customers might lower prices by $388 a year.

It’s important to note that these premium estimates are averages across all insureds and vehicles and do not factor in a specific rating modification for a Honda Pilot. So the insurer that can offer you the best price may not even be shown in the company chart above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.

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

Discounts on Alabama car insurance

Cheaper Alabama insurance for a PilotInsurance providers that sell the best cheap insurance for a Honda Pilot in Alabama may additionally offer premium discounts that can lower rates by as much as 35% if you are eligible to receive them. Companies and a summarized list of policyholder discounts are:

Auto Insurance Discounts Available
Discount Geico Progressive State Farm Allstate Nationwide
Bundled policies Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes
Anti-theft Yes Yes Yes Yes Yes
Anti-lock brakes Yes No Yes Yes No
Passive restraint Yes No Yes Yes Yes
New car No No Yes Yes Yes
Eco-friendly vehicle No No No Yes No
Safe driver Yes Yes Yes Yes Yes
Defensive driver Yes Yes Yes Yes Yes
Armed forces Yes Yes Yes No No
Professional affiliation Yes No No No Yes
Pay in full Yes Yes No Yes Yes
Paperless billing Yes Yes No Yes Yes
Brand loyalty No Yes Yes No Yes
Early signing No No No Yes Yes
Good grades Yes Yes Yes Yes Yes
Student away from home No Yes Yes Yes Yes
Own your home No Yes No No No
Seat belt usage Yes No No No No
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The information below illustrates the difference between car insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no accidents or driving violations, Alabama state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, claim-free, vehicle safety, homeowner, multiple policy, and safe-driver discounts applied. When these discounts are applied, the average yearly reduction on insurance for a Honda Pilot is % or $.

The diagram below illustrates how your deductible choice can influence insurance rates when searching for cheap insurance for a Honda Pilot. The rate quotes are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

In the chart above, a 30-year-old driver could save $378 a year by changing from a $100 deductible up to a $500 deductible, or save $572 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old category, could shave as much as $836 every year just by choosing larger deductibles.

When raising deductibles, it will be required to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Which car insurance company is best?

If you want reliable insurance for a Pilot, four of the best places to start are State Farm, Allstate, Progressive, and Geico. They all have the same basic coverages, but each one has a unique set of features, discounts, and options that policyholders can choose from. The data below compares and contrasts some of the different features that are available.

Top U.S. Car Insurance Company Ratings
State Farm Allstate Progressive Geico
Overall Cost 2nd 4th 3rd 1st
Claims Rank 2nd 1st 4th 3rd
Discounts Available 3rd 1st 4th 2nd
Client Satisfaction 4th 2nd 3rd 1st
U.S. market share 18.3% 9.7% 9.1% 11.9%
Recommend by customers 88% 86% 88% 87%
A.M. Best rating A++ A+ A+ A++
S&P financial rating AA AA- AA AA+
Accident forgiveness coverage No Yes Yes Yes
New car replacement coverage No Yes No No
Mechanical breakdown insurance No No Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
Rate for vehicle usage Yes Yes Yes No
Emergency roadside service Yes Yes Yes Yes
Compare Rates Go

Who has the cheapest Honda Pilot insurance quotes?

Drivers have a lot of ways to shop around for insurance in Alabama, but the most popular ways are from a captive (or exclusive) agent like State Farm or Auto-Owners, a non-exclusive or independent agent, or direct online or over the phone from a company like Geico or Progressive. Each way has the same basic steps, but it’s important to understand the differences in how they give price quotes.

Independent agencies have contracts with multiple insurance companies and can compare rates with every one. These types of agencies have the ability to provide multiple price quotes, which may give you improved odds of finding cheaper coverage. If your premiums go up, they can switch companies in-house and that require little work on your part.

An exclusive ageny is only able to give prices for one company, for example Liberty Mutual and Allstate agents. These agents usually cannot provide prices from multiple companies, so you might not find the best rates.

Drivers who opt to buy insurance direct do not use a local insurance agent and instead shop direct from companies such as Esurance or Geico. This insurance option is a good choice for people who do not need advice for asset protection and have some degree of understanding of how insurance works.

Which method works best to buy the best cheap insurance for a Honda Pilot in Alabama? Our initial answer would be buying from a direct car insurance company yields the cheapest rates because you bypass the middleman, but unfortunately, that is not always true. It could also be said buying insurance from an independent agent guarantees the cheapest rates since they can quote with many companies, but that assumption is also not accurate. For the right applicant, exclusive agents have very competitive rates that are well below what direct and independents offer.

Due to that fact that insurance uses so many rating variables, really the best method to ensure you are not overpaying for insurance is to get as many comparison quotes as possible. If you want to save money, get price quotes all three ways to have the best selection of rates to choose from. For a list of insurance companies with low rates, click here to view.

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