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Honda Pilot EX 4WD Insurance Rates

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U.S. average insurance rates for a Honda Pilot EX 4WD are $1,294 a year for full coverage insurance. Comprehensive insurance costs around $326, collision costs $446, and liability insurance costs $364. Buying just liability costs as little as $430 a year, with insurance for high-risk drivers costing $2,748 or more. Teen drivers pay the highest rates at $4,700 a year or more.

Annual premium for full coverage: $1,294

Price estimates for type of coverage:

Comprehensive $326
Collision $446
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Pilot Trim Level

For the normal driver, Honda Pilot EX 4WD insurance prices go from the low end price of $430 for a discount liability-only rate to the much higher price of $2,748 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,294
High Risk $2,748

These price ranges illustrate why everyone should compare rates for a specific zip code, rather than relying on price averages.

Use the form below to get rates for your location.

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

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Insurance prices for a Honda Pilot EX 4WD are also quite variable based on the replacement cost of your Pilot, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,500 to $2,000 additional each year, depending on your age. Honda Pilot EX 4WD insurance for high-risk drivers can cost anywhere from 43% to 130% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

The state you live in makes a big difference in Honda Pilot EX 4WD insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $510 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every company uses a different rate calculation, and rates may be quite different.

View Chart as Image

Honda Pilot EX 4WD insurance cost comparison chart
Column chart showing Honda Pilot EX 4WD insurance prices range from $765 to $4,700 for full coverage

The chart estimates Honda Pilot EX 4WD insurance prices for different risks and coverage choices. The lowest price with discounts is $765. Drivers who choose higher $1,000 deductibles will pay $1,118. The average price for a driver age 40 with no violations using $500 deductibles is $1,294. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $1,628. High risk drivers could be charged at least $2,748. The rate for full coverage for a 16-year-old driver is $4,700.

Honda Pilot EX 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,074 -$220 -17.0%
Arkansas $1,294 -$0 0.0%
California $1,474 $180 13.9%
Colorado $1,236 -$58 -4.5%
Connecticut $1,332 $38 2.9%
Delaware $1,466 $172 13.3%
Florida $1,618 $324 25.0%
Georgia $1,196 -$98 -7.6%
Hawaii $930 -$364 -28.1%
Idaho $876 -$418 -32.3%
Illinois $964 -$330 -25.5%
Indiana $974 -$320 -24.7%
Iowa $872 -$422 -32.6%
Kansas $1,230 -$64 -4.9%
Kentucky $1,766 $472 36.5%
Louisiana $1,914 $620 47.9%
Maine $798 -$496 -38.3%
Maryland $1,068 -$226 -17.5%
Massachusetts $1,034 -$260 -20.1%
Michigan $2,248 $954 73.7%
Minnesota $1,082 -$212 -16.4%
Mississippi $1,552 $258 19.9%
Missouri $1,148 -$146 -11.3%
Montana $1,388 $94 7.3%
Nebraska $1,020 -$274 -21.2%
Nevada $1,552 $258 19.9%
New Hampshire $932 -$362 -28.0%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,362 $68 5.3%
North Carolina $746 -$548 -42.3%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,330 $36 2.8%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,726 $432 33.4%
South Carolina $1,174 -$120 -9.3%
South Dakota $1,092 -$202 -15.6%
Tennessee $1,134 -$160 -12.4%
Texas $1,560 $266 20.6%
Utah $960 -$334 -25.8%
Vermont $886 -$408 -31.5%
Virginia $774 -$520 -40.2%
Washington $1,000 -$294 -22.7%
West Virginia $1,186 -$108 -8.3%
Wisconsin $896 -$398 -30.8%
Wyoming $1,152 -$142 -11.0%

View Chart as Image

Honda Pilot EX 4WD insurance rates by U.S. city

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Rates by Driver Age

Honda Pilot EX 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,700
20 $2,914
30 $1,348
40 $1,294
50 $1,178
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot EX 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,476
$500 $1,294
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot EX 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,367
100/300 $1,458
250/500 $1,694
100 CSL $1,403
300 CSL $1,603
500 CSL $1,749

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot EX 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,686
20 $4,616
30 $2,810
40 $2,748
50 $2,618
60 $2,590

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $169

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $64
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $81
Paid in Full/EFT $56
Advance Quote $60
Online Quote $91
Total Discounts $529
Rate after discounts $765

Discounts are estimated and may not be available from every company or in every state.

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