Best Cheap Insurance for a Honda Pilot in Pennsylvania
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UPDATED: Nov 15, 2019
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The likelihood of finding affordable coverage for a Honda Pilot in Pennsylvania depends on a lot of rating factors such as whether or not you own a home, where your vehicle is garaged, and your driving record. Pennsylvania drivers will pay around $1,010 each year to insure a Pilot, but that policy rate is based on rates for a 50-year-old single male driver that has full comprehensive and collision coverage and $250 deductibles.
The issue with using an average estimated rate is the likelihood you are not exactly 50 years old and possibly not even male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Just a minor change in rating variables can result in a large change in how much coverage for a Honda Pilot costs.
Everyone has unique insurance needs, and this illustrates why your best chance at finding affordable rates for your Honda is to comparison shop your policy at every renewal or at least every couple of years.
The trim level of your Honda tends to have a direct effect on the annual cost of coverage, so the price to insure a Pilot LX 2WD model will be $108 cheaper than the insurance cost for the more well-appointed Pilot Touring 4WD version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$218||$362||$372||$22||$112||$1,086||$91|
|Pilot EX 2WD||$246||$362||$372||$22||$112||$1,114||$93|
|Pilot EX 4WD||$246||$362||$372||$22||$112||$1,114||$93|
|Pilot EX-L 2WD||$246||$442||$372||$22||$112||$1,194||$100|
|Pilot EX-L 4WD||$246||$442||$372||$22||$112||$1,194||$100|
|Pilot Touring 2WD||$246||$442||$372||$22||$112||$1,194||$100|
|Pilot Touring 4WD||$246||$442||$372||$22||$112||$1,194||$100|
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in specific Pennsylvania garaging location which can impact premium rates considerably.
Ending up with a highly-rated car insurance provider is hard considering how many different companies sell coverage in Pennsylvania. The company rank data shown next may help you analyze which insurers to look at when trying to find cheaper insurance for a Honda Pilot.
These rankings are only made up of large nationwide companies, so companies without a large exposure are not included in these rankings. To compare rates from these and other companies in Pennsylvania, click here.
Top 10 Large Auto Insurance Companies Overall in Pennsylvania
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Top 10 Large Auto Insurance Companies in Pennsylvania Ranked by A.M. Best Rating
- GEICO – A++
- USAA – A++
- State Farm – A++
- Travelers – A++
- Progressive – A+
- The Hartford – A+
- Nationwide – A+
- Erie Insurance – A+
- Allstate – A+
- Titan Insurance – A+
Top Companies for Honda Pilot Insurance in Pennsylvania
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Discount Pennsylvania auto insurance
Insurance providers that provide the best cheap insurance for a Honda Pilot in Pennsylvania could also offer premium discounts that could reduce prices by 40% or more if you are eligible to receive them. A few popular companies and their possible discounts are included below.
- Farm Bureau offers discounts including driver training, 55 and retired, safe driver, multi-policy, renewal discount, multi-vehicle, and good student.
- MetLife policyholders can earn discounts including accident-free, good driver, claim-free, multi-policy, good student, and defensive driver.
- Progressive discounts include homeowner, multi-policy, online signing, online quote discount, multi-vehicle, and good student.
- AAA includes discounts for multi-policy, good student, multi-car, pay-in-full, and education and occupation.
- American Family offers premium reductions for Steer into Savings, TimeAway discount, air bags, bundled insurance, early bird, and multi-vehicle.
- GEICO may have discounts that include daytime running lights, driver training, defensive driver, membership and employees, anti-theft, and air bags.
- State Farm offers discounts for passive restraint, accident-free, defensive driving training, driver’s education, and good student.
The example below shows the comparison of auto insurance costs with and without discounts. The data assumes a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, multiple vehicle, safe-driver, claim-free, anti-theft, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a Honda Pilot is 28% or $463.
Company comparison: Geico vs Allstate vs State Farm vs Progressive
When comparing insurance for a Pilot, four companies to take a look at are Geico, Allstate, State Farm, and Progressive. If you add them together, they insure about half of the entire U.S. market share. They all have unique features and discounts that add value to each policy. The next table shows pricing and service ratings, as well as optional policy coverages that are available for policyholders.
|Number of Discounts||2nd||1st||3rd||4th|
|U.S. market share||11.4%||10%||18.3%||8.8%|
|A.M. Best rating||A++||A+||A++||A+|
|S&P financial rating||AA+||AA-||AA||AA|
|New car replacement coverage||No||Yes||No||No|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
|Coverage for Uber and Lyft drivers||Yes||Yes||Yes||Yes|
|Mechanical breakdown insurance||Yes||No||No||Yes|
|Available in Pennsylvania||Yes||Yes||Yes||Yes|
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Cheapest Honda Pilot insurance quotes
Consumers have many ways to compare car insurance quotes in Pennsylvania, but the most prevalent methods are using an exlusive agent like Liberty Mutual or State Farm, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive.
Each way has the same basic process, but it’s important to point out the distinctions in how they provide rate quotes.
Independent insurance agencies work with multiple companies and can get rate quotes from every one. These types of agencies are usually affiliated with several companies and can provide you with more rate quotes, which may give you improved chances of finding a lower rate. If they find a cheaper price, your agent can just switch to a different company and you don’t have to find a new agent.
Exclusive agencies are restricted to quoting rates for one company, two popular examples being an Allstate or State Farm agent. These agents normally cannot quote prices from more than just one company, so you will not be able to compare their rates to other companies.
Buying car insurance direct means you skip either of the other two types of agents and buy direct either online or via phone. This option is good for people who do not need advice for asset protection and understand how car insurance works.
So which of those three methods works best to buy the best cheap insurance for a Honda Pilot in Pennsylvania? We’d like to tell you buying direct yields the cheapest rates because you bypass the agent, but unfortunately, it’s not that cut and dried. And we’d like to say an independent agent results in the best rates because they can shop around, but that’s not always true, either. In many cases, exclusive agents have coverage prices that cannot be beaten by either independent or direct companies.
Since car insurance prices vary so much, the best way to find out which one is cheapest is to compare, compare, and compare some more. Put in the effort to get rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.
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