Honda Pilot Insurance Rates

How much is insurance on a Honda Pilot? How do I get affordable Honda Pilot auto insurance? The average Honda Pilot insurance rates are $111 per month or $1,336 annually. Many factors impact your car insurance rates, including the age of your vehicle. For example, the 2017 Honda Pilot insurance costs will be more than the 2005 Honda Pilot insurance costs.

Keep reading. Our comprehensive guide will not only help answer questions like what does liability insurance cover, but it will also help you understand and lower your Honda Pilot vehicle insurance. 

Ready to secure cheap Honda Pilot insurance rates? Enter your five-digit ZIP code into our FREE quote comparison tool to start comparing affordable Honda Pilot car insurance quotes right away.

Average insurance rates for a Honda Pilot are $1,320 a year with full coverage. Comprehensive insurance costs on average $320, collision insurance costs $452, and liability coverage costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs $2,814 or more. Teens receive the highest rates at up to $4,838 a year.

Average premium for full coverage: $1,320

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Pilot trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details average Honda Pilot insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $778
• Drivers who choose higher $1,000 deductibles will pay around $178 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,320
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $334 each year
• High-risk insureds with serious driving violations could pay upwards of $2,814
• The cost that insures a teenage driver with full coverage may cost $4,838 a year

View Chart as Image

Auto insurance rates for a Honda Pilot can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost around 43% to 128% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age

Where you live makes a big difference in Honda Pilot insurance rates. A 40-year-old driver could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $520 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Honda Pilot Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Compare rates every other policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the ideas that were touched on in this article.

• Youthful drivers are charged the highest rates, with premiums as much as $403 per month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations pay on average $1,490 more each year than a low-risk driver
• Increasing deductibles can save approximately $500 each year
• You may be able to save as much as $160 per year just by shopping early and online

As you can see from the above information, the average cost of the Honda Pilot for car insurance depends on many variables. We can help you lower your Honda Pilot 2016 insurance costs or Honda Pilot 2018 insurance costs, just enter your ZIP code into our FREE quote comparison tool below. 

What are the safety ratings for the Honda Pilot?

Understanding the Honda Pilot safety ratings can help you see what discounts you qualify for and what might be costing you more money. 

Check out the safety ratings for the 2020 Honda Pilot below. 

• Small overlap front (driver-side): Good
• Small overlap front (passenger): Acceptable 
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the Insurance Institute for Highway Safety. You’ll see some decreases in your rates thanks to these great safety ratings. 

But are Honda pilots expensive to repair? If so, it can increase your car insurance rates. Fortunately, the Honda Pilot cost to own and maintain is lower than average for SUVs. Because the cost to own a Honda Pilot is so affordable, you’re insurance rates will also be lower. 

You might be wondering if the Honda Pilot insurance rates are so low, then why is the Honda Civic insurance so high? The classic sedan is driven mostly by teenagers, who on average have much higher insurance rates. This is why the 2020 Honda Civic insurance costs will be higher than the 2019 Honda Pilot insurance.

Honda Pilot Compared Against other Vehicles in the Same Class

Comparing the Honda Pilot to similar vehicles can help you save money, especially if the Honda Pilot has a better loss ratio than other cars in the same class. 

Officially, the Insurance Institute for Highway Safety classifies it as a midsize SUV. Therefore comparing the 2017 Honda Pilot insurance costs to the 2019 Honda Accord insurance costs would be misleading, because the Accord is a sedan, not an SUV.

You’d be better off comparing the insurance cost of a Honda Pilot 2017 model to the Honda Passport insurance costs, as both vehicles are in the same class. Check out other comparable SUVs below.  

• Dodge Journey
• Ford Flex
• Hyundai Santa Fe

Fortunately, the Honda Pilot has better than average collision insurance loss ratios at -26 percent, the same goes for the property damage loss ratios at -25 percent. The medical payment loss ratios are also better than average at -26 percent, as are the bodily injury loss ratios at -29 percent. As a result, this SUV receives lower insurance rates. 

If you’re wondering how much should I pay for a 2020 Honda Pilot, expect it to cost around $32,000 in total. How much is insurance on a 2020 Honda Pilot? On average, you’ll pay around $111 per month. 

If you’re interested in a less expensive model, consider asking yourself how much should I pay for a 2018 Honda Pilot or even how much should I pay for a 2019 Honda Pilot? You may be able to find some affordable rates for these slightly older models. 

The 2017 Honda Pilot EX invoice price is also around $30,000, as is the 2016 Honda Pilot cost to own. 

If you’re looking to buy used, the 2003 Honda Pilot price range goes from $800 to $3,000 depending on the quality of the vehicle. There are a few different 2003 Honda Pilot trim levels you can find as well. 

There are also different 2005 Honda Pilot trim levels and 2007 Honda Pilot trim levels that will either increase or decrease the price of the SUV and your rates for insurance. Researching these models beforehand can help you make your final choice. 

You’re now an expert on Honda Pilot insurance rates. Start shopping for affordable insurance premiums for your Honda Pilot by entering your ZIP code into our FREE quote comparison tool. You’ll find great rates from the top Honda Pilot auto insurance companies.