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Cheap Insurance for a Honda Pilot in Vermont

Enter your Vermont 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 14, 2019

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The chances of finding affordable coverage for a Honda Pilot in Vermont is dependent upon a whole bunch of factors such as your marital status, whether or not you are currently insured, and if your driving record is clean. Drivers on average pay around $650 a year to insure their Pilot, but that is an approximation calculated using a 40-year-old single female driver who requires full comprehensive and collision coverage and $1,000 deductibles.

It’s highly likely you aren’t exactly 40 years old or even a female, maybe you are married instead of single, or maybe you live in a different area as the quoted rates. Every policy is rated specifically for the driver, so the best way to find the cheapest insurance price for your Honda is to do a thorough rate comparison. Quotes only take a couple of minutes and you can get prices from some of the cheapest companies that offer coverage in Vermont.

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

The trim level of your Pilot tends to have a direct effect on price, so the cost to insure a Pilot LX 2WD will be $54 lower than the price to insure the more costly Pilot Touring 4WD trim level, as shown by the rates below.

Honda Pilot Insurance Rates in Vermont
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $108 $180 $308 $18 $92 $706 $59
Pilot EX 2WD $122 $180 $308 $18 $92 $720 $60
Pilot EX 4WD $122 $180 $308 $18 $92 $720 $60
Pilot EX-L 2WD $122 $220 $308 $18 $92 $760 $63
Pilot EX-L 4WD $122 $220 $308 $18 $92 $760 $63
Pilot Touring 2WD $122 $220 $308 $18 $92 $760 $63
Pilot Touring 4WD $122 $220 $308 $18 $92 $760 $63
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle location which can decrease or increase auto insurance rates substantially.

Choosing a highly-rated insurance provider can be rather challenging considering how many different insurance companies sell coverage in Vermont. The ranking data in the lists below could help you decide which providers you want to consider when comparing insurance rates for a Honda Pilot.

These rankings only include companies who write in the majority of U.S. states, so companies that may only write in Vermont are not taken into consideration for the list. If you would like to check rates from these top-rated insurers and more, click here.

Top 10 Major Auto Insurance Providers Overall in Vermont

  1. The General
  2. The Hartford
  3. Progressive
  4. Travelers
  5. State Farm
  6. Farmers Insurance
  7. Safeco Insurance
  8. USAA
  9. GEICO
  10. 21st Century

Top 10 Major Auto Insurance Providers in Vermont Ranked by Claims Service

  1. Progressive
  2. USAA
  3. Liberty Mutual
  4. GEICO
  5. State Farm
  6. Nationwide
  7. The General
  8. Allstate
  9. The Hartford
  10. 21st Century

Top Companies for Honda Pilot Insurance in Vermont

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

Should you buy full coverage?

Finding cheap insurance for a Honda Pilot in Vermont is the goal of the majority of vehicle owners, and a good way to buy cheap insurance is to only pay for liability coverage. The illustration below shows the difference between yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premium estimates are based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs $1,516 per year more than just buying liability only. That is a large expense and it proposes the question if buying full coverage is a waste of money. There isn’t a written rule of when to eliminate full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

There are some circumstances where dropping full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

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Progressive, Allstate, Geico, or State Farm: Who is cheapest?

If you want reliable insurance for a Pilot, four good companies to start with are Progressive, Allstate, Geico, and State Farm. All offer your standard physical damage and liability coverages, but each one has slightly different coverage options that shoppers can choose from. The next table points out price and claims rank as well as some different options that are available.

Auto Insurance Companies Compared
Progressive Allstate Geico State Farm
Number of Discounts 4th 1st 2nd 3rd
Claims Rank 4th 1st 3rd 2nd
Client Satisfaction 3rd 2nd 1st 4th
Price Overall 3rd 4th 1st 2nd
Percent of customers who recommend 88% 86% 87% 88%
Rideshare insurance Yes Yes Yes Yes
New car replacement insurance No Yes No No
Roadside assistance Yes Yes Yes Yes
Rate for vehicle usage Yes Yes No Yes
Mechnical breakdown Yes No Yes No
Accident forgiveness Yes Yes Yes No
Coverage in Vermont Yes Yes Yes Yes
Types of agents used Indpendent agents or online Allstate exclusive agents Can buy online or use a Geico agent State Farm-only agents
Number of agents 30,000+ 11,000+ 150+ 18,000+
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Cheap Honda Pilot insurance quotes

Thanks to technology, there are a lot of ways to purchase insurance in Vermont, but the most preferred ways are through an exclusive insurance agent like State Farm or Liberty Mutual, a non-exclusive or independent agent, or direct from companies such as Geico or Progressive.

All three ways are similar, but buyers should know the differences in how they give price quotes.

Independent insurance agencies are appointed by several companies and can compare coverage rates with every one. They are not required to write business for one company and can provide you with more rate quotes, which may give you a better chance of finding cheaper coverage. If a cheaper rate is found, they simply switch companies in-house which makes it easier to save money.

A captive, or exclusive, agent is only able to quote rates from one insurance company, examples being an Allstate or Liberty Mutual agent. These agents usually cannot shop your coverage around, so they have no alternatives for high prices.

Consumers who buy insurance direct bypass a local agent and buy from a direct company like Geico. This insurance option is good for people who do not need high levels of coverage and understand what coverages, limits, and deductibles they need.

So which of those three methods works best for finding cheap insurance for a Honda Pilot in Vermont? We’d like to tell you buying direct saves money since no commissions are paid to an agent, but in reality, that is not the case. We’d also like to say using an independent agent guarantees the best prices since they can quote with many companies, but that is not necessarily true either. In a lot of cases, exclusive agents have price quotes that other companies cannot beat.

Since insurance prices vary so much, the best method to get the lowest rate is to get as many comparison quotes as possible. We highly recommend getting rate quotes from all three to have the best selection of rates to choose from. For a list of companies offering online discounts in Vermont, click here to view.

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