How Much Does Insurance Cost for a Honda Pilot in New York?
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UPDATED: Nov 11, 2019
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The chances of buying affordable car insurance for a Honda Pilot in New York is contingent on a complex formula that factors things such as annual miles driven, if you are a frequent claim filer, and your motor vehicle report. New York drivers pay on average $690 a year for Pilot insurance, but that cost is a projection using rate data for a 40-year-old married female with full coverage and $500 physical damage deductibles.
This brings up the issue that more than likely you may not be 40 years old (or even female), you might be single instead of married, or maybe your New York zip code is rated cheaper than the example. Making even small differences in rating factors or requested coverage amount can lead to a big change in rate quotes.
Not everyone needs the same coverages, so the best method for finding cheap car insurance rates for your Honda is to put in the effort to do a thorough rate comparison.
The specific trim level will most likely have an effect on the insurance rate, so the rate you pay to insure a Pilot LX 2WD will be $68 cheaper than the cost to insure the more costly Pilot Touring 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$142||$224||$278||$16||$84||$744||$62|
|Pilot EX 2WD||$162||$224||$278||$16||$84||$764||$64|
|Pilot EX 4WD||$162||$224||$278||$16||$84||$764||$64|
|Pilot EX-L 2WD||$162||$272||$278||$16||$84||$812||$68|
|Pilot EX-L 4WD||$162||$272||$278||$16||$84||$812||$68|
|Pilot Touring 2WD||$162||$272||$278||$16||$84||$812||$68|
|Pilot Touring 4WD||$162||$272||$278||$16||$84||$812||$68|
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific garaging location which can change price quotes noticeably.
Finding low-priced car insurance is not easy, and finding out which company has the cheapest car insurance rates for a Honda Pilot may require even more shopping around.
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Every auto insurer has their own unique process to set premium rates, so to begin we’ll rank the car insurance companies that tend to have lower prices in New York. Keep in mind that New York car insurance rates are based on many factors which can substantially change the price you pay. This price variability is why it is important to spend some time comparing rates to find the most affordable car insurance quotes for a Honda Pilot. Insurance prices consist of many factors and can decrease or increase without notice, so the best price three years ago may now be quite expensive.
|Rank||Company||Cost Per Year|
|10||New York Central Mutual||$1,892|
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USAA has some of the cheapest car insurance rates in New York at around $1,199 each year. Erie, Utica National, Progressive, and Travelers also rank well as some of the cheapest New York car insurance companies.
As illustrated above, if you are insured with Travelers and switched to Erie, you could see annual savings of in the vicinity of $317. Policyholders with Allstate may save as much as $361 a year, and Amica policyholders might lower prices by $386 a year.
To discover how much you can save, click here to get quotes or quote prices from the following companies.
Enter your zip code below to view companies that have cheap auto insurance rates.
These prices are averages for all insureds and vehicles and are not factoring in a specific rating modification for a Honda Pilot. So the car insurance company that is best suited for you may not even be featured in the chart above. That emphasizes why you need to get rate quotes using your own specific driver information and vehicle.
The chart below demonstrates how deductible levels can influence insurance prices when researching cheap insurance for a Honda Pilot. The rate quotes are based on a single male driver, full coverage, and no additional discounts are factored in.
A 30-year-old driver could lower rates by $304 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $458 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, could lower their rates as much as $880 every year by using higher deductibles when buying full coverage.
When raising deductibles, it will be important to have enough spare savings to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discount New York auto insurance
Car insurance companies that offer cheap insurance for a Honda Pilot in New York could also offer discounts that may potentially lower prices by 40% or more if you qualify. A list of car insurance companies and some of the premium reductions they offer can be found below.
- Esurance has savings for claim free, online quote, good student, anti-lock brakes, emergency road assistance, Switch & Save, and multi-car.
- The Hartford may have discounts that include anti-theft, air bag, driver training, good student, and defensive driver.
- AAA policyholders can earn discounts including good driver, pay-in-full, education and occupation, anti-theft, multi-car, good student, and multi-policy.
- GEICO offers premium reductions for membership and employees, defensive driver, daytime running lights, air bags, multi-vehicle, emergency military deployment, and federal employee.
- State Farm offers discounts including good student, Drive Safe & Save, student away at school, defensive driving training, multiple autos, and Steer Clear safe driver discount.
The illustration below shows the comparison of car insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no claims or driving citations, New York state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, marriage, multiple vehicle, accident-free, safe-driver, and defensive driving course discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Honda Pilot is 28% or $372.
Is the best company Progressive, State Farm, Geico, or Allstate?
When comparing car insurance, four of the larger companies to compare rates for are Progressive, State Farm, Geico, and Allstate. If you put them all together, they insure 48.5% of the car insurance market in the United States. They all have the same basic coverages, but each one has a distinct set of features and optional coverages that drivers can select from. The following table shows price and claims rank as well as some different options shoppers can find with each company.
|Recommend by customers||88%||88%||87%||86%|
|Rating from A.M. Best||A+||A++||A++||A+|
|New car replacement coverage||No||No||No||Yes|
|Available in New York||Yes||Yes||Yes||Yes|
|Insurance Agents||Buy online or from an independent agent||State Farm-only agents||Both online and from Geico agents||Only buy from Allstate agents|
|Number of agents||30,000+||18,000+||150+||11,000+|
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Who has the cheapest Honda Pilot insurance quotes?
There are many ways to quote cheap car insurance rates in New York, but the most popular ways are from an independent insurance agent, an exclusive insurance agent such as Allstate or State Farm, or from a direct company like Progressive or Geico.
They all have the same end result, but car insurance shoppers should know the differences in how they provide price quotes.
Independent insurance agents have contracts with multiple insurance companies and can get rate quotes from every one. These agents are appointed with more than one company and can provide multiple price quotes, which can help you get improved chances of finding a lower rate. If your agent finds a cheaper company, it’s easy for the agent to move the policy and you don’t have to find a new agent.
A captive, or exclusive, agent is restricted to quoting rates for a single insurance company like an Allstate or Liberty Mutual agent. These agents are not able to compare other company’s rates, so if rates are high, they cannot give you alternative choices.
If you buy direct, you forego an independent or exclusive agent and buy from a direct company like Geico. This option may be the best choice consumers who do not need complex risk management and know more than average about the exclusions of a policy.
Which way works best for finding cheap insurance for a Honda Pilot in New York? We’d like to tell you buying from a direct car insurance company results in the cheapest rates since that eliminates agent commissions, but unfortunately, that is not always true. It would also be easy to say buying car insurance from an independent agent is the best way to go since they have more companies to choose from, but again, that’s not accurate. In a lot of cases, exclusive agencies have very competitive rates that are the lowest in New York.
Because there is so much variation in car insurance prices, really the best method to get rock-bottom rates is to get rate quotes and compare. If time allows, get prices from all three types in order to have enough rates to compare. For a list of companies with cheap rates in New York, click here to view.
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