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Honda Pilot LX 2WD Insurance Rates

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The average insurance prices for a Honda Pilot LX 2WD are $1,234 every 12 months for full coverage insurance. Comprehensive costs an estimated $298 each year, collision insurance costs $414, and liability coverage costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs around $2,624. Teen drivers cost the most to insure at up to $4,536 a year.

Annual premium for full coverage: $1,234

Policy rates broken down by individual coverage:

Comprehensive $298
Collision $414
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 driver, Honda Pilot LX 2WD insurance rates range from the cheapest price of $430 for your basic liability-only policy to a high rate of $2,624 for a driver that may need high-risk insurance.

Liability Only $430
Full Coverage $1,234
High Risk $2,624

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how location impacts insurance prices.

Rural Areas $926
Small Cities $1,296
Large Cities $1,666

These price differences illustrate why all drivers should compare prices 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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Car insurance rates for a Honda Pilot LX 2WD also range considerably based on liability limits and deductibles, your risk profile, and the model year.

Choosing high deductibles could cut rates by as much as $480 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 127% more than average. View High Risk Driver Rates

Your home state has a huge impact on Honda Pilot LX 2WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be varied.

View Chart as Image

Honda Pilot LX 2WD insurance cost comparison chart
Column chart showing Honda Pilot LX 2WD insurance prices range from $732 to $4,536 for full coverage

The chart estimates Honda Pilot LX 2WD insurance rates for various coverage choices and risks. The cheapest rate with discounts is $732. Drivers who choose higher $1,000 deductibles will pay $1,072. The average rate for a driver around age 40 using $500 deductibles is $1,234. Using lower $100 deductibles for physical damage coverage could cost up to $1,544. High risk drivers could be charged around $2,624. The policy rate for full coverage insurance for a teenage driver can be as high as $4,536.

Honda Pilot LX 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,116 -$118 -9.6%
Alaska $946 -$288 -23.3%
Arizona $1,026 -$208 -16.9%
Arkansas $1,234 -$0 0.0%
California $1,406 $172 13.9%
Colorado $1,180 -$54 -4.4%
Connecticut $1,268 $34 2.8%
Delaware $1,398 $164 13.3%
Florida $1,544 $310 25.1%
Georgia $1,140 -$94 -7.6%
Hawaii $886 -$348 -28.2%
Idaho $834 -$400 -32.4%
Illinois $918 -$316 -25.6%
Indiana $930 -$304 -24.6%
Iowa $834 -$400 -32.4%
Kansas $1,174 -$60 -4.9%
Kentucky $1,684 $450 36.5%
Louisiana $1,826 $592 48.0%
Maine $760 -$474 -38.4%
Maryland $1,018 -$216 -17.5%
Massachusetts $986 -$248 -20.1%
Michigan $2,144 $910 73.7%
Minnesota $1,032 -$202 -16.4%
Mississippi $1,480 $246 19.9%
Missouri $1,094 -$140 -11.3%
Montana $1,326 $92 7.5%
Nebraska $974 -$260 -21.1%
Nevada $1,480 $246 19.9%
New Hampshire $890 -$344 -27.9%
New Jersey $1,380 $146 11.8%
New Mexico $1,092 -$142 -11.5%
New York $1,300 $66 5.3%
North Carolina $712 -$522 -42.3%
North Dakota $1,010 -$224 -18.2%
Ohio $852 -$382 -31.0%
Oklahoma $1,268 $34 2.8%
Oregon $1,130 -$104 -8.4%
Pennsylvania $1,176 -$58 -4.7%
Rhode Island $1,646 $412 33.4%
South Carolina $1,118 -$116 -9.4%
South Dakota $1,040 -$194 -15.7%
Tennessee $1,082 -$152 -12.3%
Texas $1,488 $254 20.6%
Utah $916 -$318 -25.8%
Vermont $844 -$390 -31.6%
Virginia $740 -$494 -40.0%
Washington $954 -$280 -22.7%
West Virginia $1,132 -$102 -8.3%
Wisconsin $854 -$380 -30.8%
Wyoming $1,100 -$134 -10.9%

View Chart as Image

Honda Pilot LX 2WD insurance rates by U.S. city

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Rates by Driver Age

Honda Pilot LX 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,536
20 $2,788
30 $1,284
40 $1,234
50 $1,124
60 $1,100

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot LX 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,544
$250 $1,402
$500 $1,234
$1,000 $1,072

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot LX 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,234
50/100 $1,307
100/300 $1,398
250/500 $1,634
100 CSL $1,343
300 CSL $1,543
500 CSL $1,689

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot LX 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,444
20 $4,416
30 $2,680
40 $2,624
50 $2,502
60 $2,474

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 $161

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $61
Homeowner $18
5-yr Accident Free $85
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $57
Online Quote $86
Total Discounts $502
Rate after discounts $732

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

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