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Honda Pilot Touring 4WD Insurance Rates

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U.S. average insurance rates for a Honda Pilot Touring 4WD are $1,416 a year for full coverage insurance. Comprehensive insurance costs on average $354, collision insurance costs $540, and liability costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $3,028 or more. Teenage drivers pay the highest rates at up to $5,112 a year.

Annual premium for full coverage: $1,416

Price estimates by type of insurance:

Comprehensive $354
Collision $540
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 Touring 4WD insurance prices range from as low as $430 for basic liability insurance to a much higher rate of $3,028 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,416
High Risk $3,028

These price ranges illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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 Touring 4WD are also quite variable based on your driving record, the model year, and policy deductibles and limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

The state you live in has a huge impact on Honda Pilot Touring 4WD insurance prices. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $600 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be from 43% to 127% more than a normal policy. View High Risk Driver Rates

Since rates can be so different, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates may be quite different from one company to the next.

View Chart as Image

Honda Pilot Touring 4WD insurance cost comparison chart
Column chart showing Honda Pilot Touring 4WD insurance prices range from $824 to $5,112 for full coverage

The chart estimates Honda Pilot Touring 4WD insurance rates for various risk profiles and scenarios. The cheapest discount rate is $824. Drivers who use higher $1,000 deductibles will pay around $1,214. The average rate for a 40-year-old male driver using $500 deductibles is $1,416. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,808. Drivers with multiple violations and accidents could be charged at least $3,028. The price for full coverage for a teen driver can be as high as $5,112.

Honda Pilot Touring 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,280 -$136 -9.6%
Alaska $1,086 -$330 -23.3%
Arizona $1,176 -$240 -16.9%
Arkansas $1,416 -$0 0.0%
California $1,614 $198 14.0%
Colorado $1,354 -$62 -4.4%
Connecticut $1,456 $40 2.8%
Delaware $1,602 $186 13.1%
Florida $1,770 $354 25.0%
Georgia $1,308 -$108 -7.6%
Hawaii $1,018 -$398 -28.1%
Idaho $958 -$458 -32.3%
Illinois $1,054 -$362 -25.6%
Indiana $1,068 -$348 -24.6%
Iowa $956 -$460 -32.5%
Kansas $1,346 -$70 -4.9%
Kentucky $1,932 $516 36.4%
Louisiana $2,096 $680 48.0%
Maine $874 -$542 -38.3%
Maryland $1,168 -$248 -17.5%
Massachusetts $1,134 -$282 -19.9%
Michigan $2,462 $1,046 73.9%
Minnesota $1,184 -$232 -16.4%
Mississippi $1,696 $280 19.8%
Missouri $1,256 -$160 -11.3%
Montana $1,520 $104 7.3%
Nebraska $1,118 -$298 -21.0%
Nevada $1,698 $282 19.9%
New Hampshire $1,022 -$394 -27.8%
New Jersey $1,584 $168 11.9%
New Mexico $1,254 -$162 -11.4%
New York $1,492 $76 5.4%
North Carolina $816 -$600 -42.4%
North Dakota $1,160 -$256 -18.1%
Ohio $976 -$440 -31.1%
Oklahoma $1,456 $40 2.8%
Oregon $1,296 -$120 -8.5%
Pennsylvania $1,350 -$66 -4.7%
Rhode Island $1,888 $472 33.3%
South Carolina $1,282 -$134 -9.5%
South Dakota $1,196 -$220 -15.5%
Tennessee $1,240 -$176 -12.4%
Texas $1,706 $290 20.5%
Utah $1,050 -$366 -25.8%
Vermont $968 -$448 -31.6%
Virginia $848 -$568 -40.1%
Washington $1,094 -$322 -22.7%
West Virginia $1,298 -$118 -8.3%
Wisconsin $982 -$434 -30.6%
Wyoming $1,262 -$154 -10.9%

View Chart as Image

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

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Rates by Driver Age

Honda Pilot Touring 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,112
20 $3,214
30 $1,482
40 $1,416
50 $1,288
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot Touring 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,808
$250 $1,628
$500 $1,416
$1,000 $1,214

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Touring 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,416
50/100 $1,489
100/300 $1,580
250/500 $1,816
100 CSL $1,525
300 CSL $1,725
500 CSL $1,871

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot Touring 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $7,298
20 $5,098
30 $3,102
40 $3,028
50 $2,884
60 $2,854

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 $190

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $103
5-yr Claim Free $90
Paid in Full/EFT $65
Advance Quote $68
Online Quote $101
Total Discounts $592
Rate after discounts $824

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

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