Cheap Insurance for a Honda Pilot in Nevada
Enter your Nevada zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 14, 2019
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Our staff writers always rib each other than when writing about car insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for a Honda Pilot can be hard to find. Don’t let that spoil your day, because we are going to show you how you can still get car insurance that doesn’t cost an arm and a leg.
The likelihood of finding the cheapest coverage for a Honda Pilot in Nevada hinges on dozens of factors such as how far you commute, your credit history, and driving violations. Drivers in Nevada on average pay around $790 a year for Pilot insurance, but that figure is a valuation rating a 40-year-old married male driver that has both comprehensive and collision coverage and $500 physical damage deductibles.
There is a high likelihood that you may not be 40 years old (or even male), you might be single instead of married, or maybe you want more liability coverage than is required by law in Nevada. Using even a minor difference in the factors used in pricing a policy could end up with a large change in the policy rate.
Every driver’s needs are different, and that is why your best chance at finding the most affordable coverage for your Honda is to comparison shop your policy at each renewal.
The trim level of your vehicle will likely have an effect on the cost of insurance, so the rate you pay to insure a Pilot LX 2WD trim level will be $76 cheaper than the price to insure the fancier Pilot Touring 4WD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$176||$244||$318||$18||$96||$852||$71|
|Pilot EX 2WD||$198||$244||$318||$18||$96||$874||$73|
|Pilot EX 4WD||$198||$244||$318||$18||$96||$874||$73|
|Pilot EX-L 2WD||$198||$298||$318||$18||$96||$928||$77|
|Pilot EX-L 4WD||$198||$298||$318||$18||$96||$928||$77|
|Pilot Touring 2WD||$198||$298||$318||$18||$96||$928||$77|
|Pilot Touring 4WD||$198||$298||$318||$18||$96||$928||$77|
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in garaging location in Nevada which can influence price quotes noticeably.
Finding a high-quality auto insurance provider can be difficult considering how many different insurance companies sell coverage in Nevada. The ranking information listed below may help you analyze which auto insurers you want to consider when shopping car insurance rates for a Honda Pilot. These rankings only include the companies with a significant amount of written premium nationwide, so smaller companies are not factored into this list.
Top 10 Major Car Insurance Companies in Nevada Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- Liberty Mutual – 88%
- Allstate – 88%
Top 10 Major Car Insurance Companies Overall in Nevada
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top Companies for Honda Pilot Insurance in Nevada
Enter your zip code below to view companies that have cheap auto insurance rates.
Careless driving habits raise Nevada insurance rates
The easiest method to get the most affordable insurance prices in Nevada for a Pilot is to drive safely and not receive tickets or have accidents. The chart below highlights how traffic violations and at-fault claims drive up auto insurance rates for each age group. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,739. Get written up for two speeding tickets and the average cost jumps to $2,329, an increase of $590 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Honda Pilot goes up to an average of $4,513. That’s an increase of $2,774, or $231 per month, just for not driving carefully!
Full coverage or liability only
Finding cheap insurance for a Honda Pilot in Nevada is probably important to most people, and one common way to pay lower rates for insurance is to not buy full coverage. The illustration below shows the difference between insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on no accidents, no driving violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
As an average, comp and collision coverage costs an extra $1,472 per year over and above liability coverage. That is a large expense and it proposes the question when is it safe to stop buying full coverage. There is no definitive guideline to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
Who is cheaper: State Farm, Allstate, Progressive, or Geico?
When comparing rates for insurance for a Pilot, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. All four can cover your vehicle for liability and physical damage, but each one has unique options and discounts that may steer you one way or another. The data below shows some of the ratings and options shoppers can expect to find with each one.
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Rating based on usage||Yes||Yes||Yes||No|
|Coverage for ridesharing||Yes||Yes||Yes||Yes|
|New car replacement coverage||No||Yes||No||No|
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Who has the cheapest Honda Pilot insurance quotes?
Drivers have a lot of ways to buy insurance in Nevada, but the most common are from an independent or non-exclusive agent, a captive (or exclusive) agent such as Allstate or State Farm, or direct online or over the phone from a company like Progressive or Geico. They all have the same end result, but shoppers should understand the differences in how they give price quotes.
Independent agents write for multiple companies and can compare coverage rates with all of them. These agents have the freedom to give you a larger rate selection, which may give you the best idea of how your rates compare. If a cheaper price is found, the business is moved internally and that require little work on your part.
A captive, or exclusive, agent is only able to place business with just one company, two popular examples being an Auto-Owners or Allstate agent. They generally cannot provide prices from multiple companies, so it’s a good idea to get additional quotes.
The third popular method of shopping for insurance is direct, which means you skip either of the other two types of agents and instead buy from a direct company like Esurance or Progressive. Buying insurance direct may be the best choice consumers who do not need advice for risk management and know more than average about what coverage limits and deductibles they need.
So what is the best way to buy cheap insurance for a Honda Pilot in Nevada? Our initial answer would be shopping direct saves the most money since there is no need to pay agent commissions, but unfortunately, it’s not that cut and dried. And we’d like to say buying from an independent agent guarantees the best prices since they can quote with many companies, but that is not accurate either. For the right applicant, exclusive agents may have very competitive prices that other insurance companies cannot touch.
Since insurance companies use so many rating factors, the best way to get rock-bottom rates is to get as many comparison quotes as possible. It’s a good idea to get rate quotes from independent agents, exclusive agents, and direct companies to have the best rate selection. For a list of companies with cheap rates in Nevada, click here to view.
Find cheap insurance for a Honda Pilot in Nevada
It’s not impossible to find cheaper rates, and here are a few money-saving solutions that can help Nevada drivers get lower-cost coverage.
- Prevent rate increases by staying accident-free
- Lower rates by purchasing a safer vehicle
- Don’t have frequent claims
- Avoid getting citations and tickets
- Good credit can mean cheaper rates
- Shop your coverage around for the best deal
That last idea is extremely necessary, as was emphasized in this article. Prices charged by companies can change in a short period of time, so don’t be tentative to change to a new company if a cheaper rate is available. Staying with the same company for years is fine, but it’s not a good idea if that inflexibility results in costing you a fortune every year. It only take a few minutes to compare prices to find cheaper auto insurance for a Honda Pilot.
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