Cheap Insurance for a Honda Pilot in Missouri
Enter your Missouri zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 16, 2019
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Finding the best cheap auto insurance for a Honda Pilot in Missouri depends on a lot of factors like your marital status, your residence address, and whether or not you are a good driver. Drivers on average pay around $620 every 12 months to buy insurance for a Honda Pilot, but that amount is a ballpark figure that uses a 50-year-old married male that included full comprehensive and collision coverage and $500 policy deductibles.
Chances are good that you aren’t exactly 50 years old or even a male, you might be single instead of married, and maybe your Pilot just needs liability-only coverage. Even a minor change in rating variables or coverage information can lead to a big change in quoted rates.
This example demonstrates why the way we recommend to find cheap auto insurance rates for your Honda is to compare as many rates as possible.
Your vehicle’s trim level tends to have a direct impact on the coverage cost, so the cost to insure a Pilot LX 2WD trim level will be $60 less than the cost to insure the more costly Pilot Touring 4WD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$130||$196||$256||$16||$76||$674||$56|
|Pilot EX 2WD||$148||$196||$256||$16||$76||$692||$58|
|Pilot EX 4WD||$148||$196||$256||$16||$76||$692||$58|
|Pilot EX-L 2WD||$148||$238||$256||$16||$76||$734||$61|
|Pilot EX-L 4WD||$148||$238||$256||$16||$76||$734||$61|
|Pilot Touring 2WD||$148||$238||$256||$16||$76||$734||$61|
|Pilot Touring 4WD||$148||$238||$256||$16||$76||$734||$61|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific garaging location which can raise or lower premium rates substantially.
Choosing the top insurance provider is difficult considering how many companies there are in Missouri. The information listed below can help you decide which companies you want to consider to insure your vehicles. These ratings only include companies with a national presence, so companies that focus mainly on Missouri business are not included in the list.
Top 10 Major Auto Insurers in Missouri Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- The Hartford
Top Companies for Honda Pilot Insurance in Missouri
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How much more does full coverage cost?
Finding cheap insurance for a Honda Pilot in Missouri is important to most people, and one of the quickest ways to save on the cost of insurance is to buy liability only. The chart below shows the comparison of insurance prices with liability coverage only compared to full coverage. The data assumes no violations or accidents, $250 deductibles, drivers are single, and no discounts are factored in.
Averaged for all ages 20 through 70, physical damage coverage costs an additional $1,695 per year more than just insuring for liability. That is a big expense that brings up the question when is it safe to stop buying full coverage. There is no definitive formula to eliminate full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
The illustration below illustrates how your deductible choice can raise or lower yearly insurance costs when quoting cheap insurance for a Honda Pilot. The premiums are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
In the chart above, a 40-year-old driver could lower their car insurance rates by $224 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $342 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old example, can save $562 or more by choosing a higher deductible.
If you do decide to increase your deductibles, it is a good idea to have enough funds in savings to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Careless Missouri drivers pay higher rates
In a perfect world, the ideal way to receive cheap insurance for a Honda Pilot in Missouri is to drive safely and have a clean driving record. The information below illustrates how traffic citations and at-fault accidents can raise yearly insurance costs for different insured age categories. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
The chart shows that the average cost of an auto insurance policy in Missouri per year with no accidents and a clean driving record is $1,362. Add in two speeding tickets and the average cost hikes up to $1,816, an increase of $454 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for a Honda Pilot jumps again to an average of $3,600. That’s an increase of $2,238, or $187 per month, just for not maintaining a clean driving record!
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