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Honda Pilot EX-L 4WD Insurance Rates

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Estimated insurance prices for a Honda Pilot EX-L 4WD are $1,370 every 12 months for full coverage. Comprehensive insurance costs an estimated $340, collision insurance costs $508, and liability coverage costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs $2,926 or more. Teen drivers pay the most at up to $4,970 a year.

Annual premium for full coverage: $1,370

Premium estimates broken down by type of insurance:

Comprehensive $340
Collision $508
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 average 40-year-old driver, insurance rates for a Honda Pilot EX-L 4WD range from the cheapest price of $430 for just the minimum liability insurance to a much higher rate of $2,926 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,370
High Risk $2,926

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using 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 rates for a Honda Pilot EX-L 4WD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year.

Choosing high deductibles could save up to $570 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers can expect to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can cost around 44% to 131% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Honda Pilot EX-L 4WD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

Honda Pilot EX-L 4WD insurance cost comparison chart
Column chart showing Honda Pilot EX-L 4WD insurance prices range from $800 to $4,970 for full coverage

Chart shows Honda Pilot EX-L 4WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $800. Drivers who choose higher $1,000 deductibles will pay $1,176. The average rate for a driver around age 40 using $500 deductibles is $1,370. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,740. High risk drivers could be charged up to $2,926. The price for full coverage for a teenage driver is $4,970.

Honda Pilot EX-L 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$130 -9.5%
Alaska $1,052 -$318 -23.2%
Arizona $1,138 -$232 -16.9%
Arkansas $1,370 -$0 0.0%
California $1,562 $192 14.0%
Colorado $1,312 -$58 -4.2%
Connecticut $1,410 $40 2.9%
Delaware $1,552 $182 13.3%
Florida $1,716 $346 25.3%
Georgia $1,266 -$104 -7.6%
Hawaii $984 -$386 -28.2%
Idaho $926 -$444 -32.4%
Illinois $1,020 -$350 -25.5%
Indiana $1,032 -$338 -24.7%
Iowa $926 -$444 -32.4%
Kansas $1,304 -$66 -4.8%
Kentucky $1,870 $500 36.5%
Louisiana $2,028 $658 48.0%
Maine $846 -$524 -38.2%
Maryland $1,130 -$240 -17.5%
Massachusetts $1,096 -$274 -20.0%
Michigan $2,382 $1,012 73.9%
Minnesota $1,148 -$222 -16.2%
Mississippi $1,642 $272 19.9%
Missouri $1,216 -$154 -11.2%
Montana $1,472 $102 7.4%
Nebraska $1,080 -$290 -21.2%
Nevada $1,644 $274 20.0%
New Hampshire $988 -$382 -27.9%
New Jersey $1,532 $162 11.8%
New Mexico $1,214 -$156 -11.4%
New York $1,444 $74 5.4%
North Carolina $790 -$580 -42.3%
North Dakota $1,122 -$248 -18.1%
Ohio $944 -$426 -31.1%
Oklahoma $1,410 $40 2.9%
Oregon $1,256 -$114 -8.3%
Pennsylvania $1,306 -$64 -4.7%
Rhode Island $1,828 $458 33.4%
South Carolina $1,242 -$128 -9.3%
South Dakota $1,156 -$214 -15.6%
Tennessee $1,200 -$170 -12.4%
Texas $1,652 $282 20.6%
Utah $1,016 -$354 -25.8%
Vermont $938 -$432 -31.5%
Virginia $820 -$550 -40.1%
Washington $1,058 -$312 -22.8%
West Virginia $1,256 -$114 -8.3%
Wisconsin $950 -$420 -30.7%
Wyoming $1,222 -$148 -10.8%

View Chart as Image

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

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Rates by Driver Age

Honda Pilot EX-L 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,970
20 $3,108
30 $1,432
40 $1,370
50 $1,248
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot EX-L 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,740
$250 $1,570
$500 $1,370
$1,000 $1,176

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot EX-L 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,443
100/300 $1,534
250/500 $1,770
100 CSL $1,479
300 CSL $1,679
500 CSL $1,825

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot EX-L 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,084
20 $4,928
30 $2,996
40 $2,926
50 $2,790
60 $2,760

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $98
5-yr Claim Free $87
Paid in Full/EFT $62
Advance Quote $66
Online Quote $97
Total Discounts $570
Rate after discounts $800

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

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