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Best Cheap Insurance Quotes for a Honda Pilot in Kentucky

Enter your Kentucky 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 11, 2019

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Whether or not you can find cheaper coverage for a Honda Pilot in Kentucky is dependent upon a complicated rating formula that uses factors such as the safety features built into your vehicle, what you do for a living, and violations on your driving record. Drivers in Kentucky on average pay approximately $1,040 each year to buy Honda Pilot insurance, but that policy rate is an approximation based upon a 40-year-old married female driver who requires full physical damage coverage and $100 physical damage deductibles.

It’s more than likely that you may not be 40 years old (or even female), maybe you are single instead of married, or maybe you need higher liability limits than the state minimum. Even a very minor difference in policy rating variables can make a huge difference in the cost of insurance.

Car insurance coverage is unique to each driver, so this is why the most reliable method for finding cheap insurance rates for your Honda is to make a habit of comparing rates at every renewal. Do a quick rate comparison now and you will receive price comparisons from the best auto insurance companies that offer coverage in Kentucky.

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

Your vehicle’s trim level will most likely have an effect on the yearly cost, so the price you will pay to insure a Pilot LX 2WD model will be $120 less expensive the cost to insure the higher-end Pilot Touring 4WD model, as shown by the rates below.

Honda Pilot Insurance Rates in Kentucky
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $242 $408 $342 $20 $102 $1,114 $93
Pilot EX 2WD $272 $408 $342 $20 $102 $1,144 $95
Pilot EX 4WD $272 $408 $342 $20 $102 $1,144 $95
Pilot EX-L 2WD $272 $498 $342 $20 $102 $1,234 $103
Pilot EX-L 4WD $272 $498 $342 $20 $102 $1,234 $103
Pilot Touring 2WD $272 $498 $342 $20 $102 $1,234 $103
Pilot Touring 4WD $272 $498 $342 $20 $102 $1,234 $103
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Information does not factor in zip code location which can increase or decrease price quotes considerably.

Determining which companies have the cheapest auto insurance rates for a Honda Pilot calls for a little more work than just picking a company at random. Every insurance company has a unique formula to establish rates, so let’s look at the rankings for the lowest cost auto insurance companies in Kentucky.

It’s important that you understand Kentucky auto insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Simply improving your credit, buying another vehicle, or getting a ticket for careless driving may prompt premium changes that may make certain companies more affordable than before.

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

Kentucky auto insurance company rankings
Rank Company Cost Per Year
1 Cincinnati Insurance $1,093
2 Kentucky Farm Bureau $1,174
3 USAA $1,187
4 Auto-Owners $1,371
5 Travelers $1,614
6 Motorists Mutual $1,617
7 Grange Mutual $1,625
8 State Farm $1,793
9 Westfield $1,814
10 Safe Auto $1,913
11 Nationwide $2,003
12 Progressive $2,056
13 Electric $2,160
14 State Auto $2,232
15 Encompass $2,288
16 GEICO $2,413
17 Safeco $2,763
18 Shelter $3,135
19 MetLife $3,177
20 Liberty Mutual $3,598
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Cincinnati Insurance offers some of the lowest car insurance rates in Kentucky at around $1,093 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Travelers would also make the list of some of the lowest-priced Kentucky auto insurance companies.

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As shown in the rates above, if you are a policyholder with USAA and switched to Cincinnati Insurance, you might see an annual premium reduction of in the vicinity of $94. Policyholders with Auto-Owners could save as much as $278 a year, and Travelers customers might lower prices by up to $521 a year.

If you want to see how much you could save, click here or feel free to get quotes from the companies below.

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

Remember that these policy rates are averages across all drivers and vehicles in Kentucky and do not factor in a specific rating modification for a Honda Pilot. So the insurer that has the cheapest price for you may not even be included in the company chart above. That illustrates why you need to get auto insurance quotes using your own specific driver information and vehicle.

Careless driving habits raise auto insurance rates

The recommended way to score the best cheap insurance for a Honda Pilot in Kentucky is to be a careful driver and avoid accidents and traffic violations. The chart below illustrates how traffic citations and accidents can raise insurance costs for different insured age categories. The premiums assume a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

The data above shows the average cost of an auto insurance policy in Kentucky per year with a clean driving record and no accidents is $2,147. Add in one speeding ticket and the average cost rises to $2,432, an increase of $285 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for a Honda Pilot jumps again to an average of $4,797. That’s an increase of $2,649, or $221 per month, just for being a less-than-perfect driver!

Your cheap Pilot insurance may actually be overpriced

Kentucky auto insurance rates are impacted by many factors that can increase your annual premium. Simply turning a year older, adding a teenager to your policy, or having an at-fault accident can trigger rate changes that can cause some rates to be cheaper than others. Not only that, but insurers modify rates as often as every quarter to adjust for heavy claims or excess profits. Unexpectedly high claims may cause higher prices, while a profitable period may produce cheaper Pilot insurance rates.

To help illustrate this point, the bar chart below shows rates for the cheapest car insurance in Kentucky for a 35-year-old female driver with a clear driving record, no claims, and solid credit. If we compare prices based on her personal risk profile, Cincinnati Insurance may have the cheapest car insurance rates in Kentucky at $1,126 a year. This is $1,017 less than the average price paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual are the remainder of the best Kentucky auto insurance companies.

Now we will pretend the driver from above a couple of claims, poor credit, and a blemish on her driving record. Since each company uses their own calculation to determine rates, comparing insurance quotes may result in a completely different list of the cheapest companies as shown below.

Kentucky Farm Bureau now has the cheapest price in Kentucky with Travelers, USAA, State Farm, and Westfield also being competitive. This example demonstrates why it is critical to perform a complete rate comparison to get the cheapest car insurance rates for a Honda Pilot. Insurance prices are influenced by many risk factors and can decrease or increase without notice, so the most economical company two years ago may now be quite expensive.

Use our FREE quote tool to compare rates now!

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