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Cheap Insurance Quotes for a Honda Pilot in Louisiana

Enter your Louisiana 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 13, 2019

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Our editors have a joke that when writing about car insurance, the words cheap or affordable really shouldn’t be used anywhere to describe car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Honda Pilot just does not exist. Don’t let that discourage you, because we are going to show you how you can quote and buy auto insurance that is cheaper than what you are paying now.

Buying the cheapest car insurance for a Honda Pilot in Louisiana hinges on a complicated formula that considers factors like your birth date, your credit rating, and the level of deductible you choose. Drivers pay an average of $1,080 per year to buy Honda Pilot insurance, but that amount is an approximation using a 30-year-old married male that has comprehensive and collision coverage and $1,000 policy deductibles.

Chances are that rate is not what you would pay, because most likely you are not 30 years old and maybe not even male, possibly single instead of married, or maybe you don’t qualify for the same discounts. Everyone has unique insurance needs, and this illustrates why the best way to quote the cheapest insurance price for your Honda is to do the rate comparisons yourself.

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

The trim level of your vehicle will be a contributing factor to the annual cost of coverage, so the cost to insure a Pilot LX 2WD trim level will be $96 cheaper than the cost to insure the high end Pilot Touring 4WD trim level, as shown in the prices below.

Honda Pilot Insurance Rates in Louisiana
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $222 $312 $464 $28 $140 $1,166 $97
Pilot EX 2WD $250 $312 $464 $28 $140 $1,194 $100
Pilot EX 4WD $250 $312 $464 $28 $140 $1,194 $100
Pilot EX-L 2WD $250 $380 $464 $28 $140 $1,262 $105
Pilot EX-L 4WD $250 $380 $464 $28 $140 $1,262 $105
Pilot Touring 2WD $250 $380 $464 $28 $140 $1,262 $105
Pilot Touring 4WD $250 $380 $464 $28 $140 $1,262 $105
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can modify prices noticeably.

Deciding which companies have the cheapest car insurance rates for a Honda Pilot may require a little more effort in order to find the most economical policy.

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Each auto insurer uses different criteria to set policy rates, so we’ll take a look at the car insurance companies with the most affordable rates in Louisiana. Keep in mind that Louisiana car insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. Simply having another birthday, adding a teenager to your policy, or getting a reckless driving citation can cause premium changes resulting in some companies being cheaper than others.

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

Who has the cheapest car insurance in Louisiana?
Rank Company Cost Per Year
1 USAA $1,578
2 MetLife $1,892
3 GEICO $1,965
4 Progressive $1,986
5 Safeway $2,154
6 Southern Farm Bureau $2,204
7 California Casualty $2,246
8 State Farm $2,359
9 Safe Auto $2,575
10 Allstate $2,945
11 Encompass $3,170
12 Liberty Mutual $3,608
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USAA normally has some of the best car insurance rates in Louisiana at around $1,578 per year. MetLife, GEICO, Progressive, and Safeway would also make the list of some of the best Louisiana car insurance companies.

As the example above demonstrates, if you have coverage with GEICO and switched to USAA, you may realize annual savings of roughly $387. Louisiana drivers with Progressive could save as much as $408 a year, and Safeway customers might realize rate reductions of up to $576 a year.

To find out how much you can save, click here or click through to the companies below.

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

Bear in mind that those premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rate value for a Honda Pilot. So the company that has the cheapest price for you may not even be in the list of companies above. That point stresses why you need to compare as many prices as possible using your own personal information and vehicle type.

The illustration below illustrates how your deductible choice can raise or lower annual premium costs when searching for cheap insurance for a Honda Pilot. The premium estimates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could lower their policy premium by $400 a year by increasing from a $100 deductible to a $500 deductible, or save $606 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old, could shave as much as $1,332 each year by choosing a higher deductible.

If you do make the decision to raise your deductibles, it is necessary to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Here’s why price comparisons are so important

Louisiana car insurance rates are impacted by many things which can substantially decrease or increase the policy price. Simply getting older, having a claim, or getting a reckless driving citation may cause policy rate changes resulting in some rates now being more affordable than the competition.

Not only may things change on your end, but companies file new Louisiana auto insurance rates as often as every quarter to help ensure profitability. Heavier than normal losses can cause increased policy costs, while less frequent claims can cause lower-priced Pilot insurance rates.

To help illustrate this point, the data below shows the company with the cheapest car insurance in Louisiana for a 30-year-old male driver with no prior claims, no tickets, and a decent credit rating. If we compare prices based on his current rating profile, USAA may offer the cheapest car insurance rates in Louisiana at $1,578 annually. This is $836 less than the average premium paid by Louisiana drivers of $2,414. GEICO, MetLife, Progressive, and Safeway are also on the list of the cheapest Louisiana auto insurance companies.

In this next rate comparison, we will give the driver in the first chart a chargeable accident, a lower credit score, and a few blemishes on his driving record. Due to the fact that every insurance company has a different formula to determine rates, comparing prices may now result in a substantially altered list of the cheapest Louisiana car insurance companies as shown below.

California Casualty now has the best price in Louisiana with State Farm, Safe Auto, GEICO, and USAA now rounding out the top five. This example demonstrates why it is critical to compare lots of rates when trying to find the cheapest auto insurance rates for a Honda Pilot.

Rates can be determined by many factors and change dramatically, so the lowest-price company the last time you compared rates may now be costing you a lot of money. Use our FREE quote tool to compare now!

Free Auto Insurance Comparison

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

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