Honda Pilot Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 7, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

U.S. average insurance rates for a Honda Pilot are $1,320 a year for full coverage insurance. Comprehensive insurance costs approximately $320, collision insurance costs $452, and liability insurance is estimated at $390. Buying just liability costs approximately $452 a year, and insurance for high-risk drivers costs $2,814 or more. 16-year-old drivers pay the highest rates at up to $4,838 a year.

Average premium for full coverage: $1,320

Price estimates by individual coverage:

Comprehensive $320
Collision $452
Liability $390

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Pilot models.

Price Range from Low to High

For the average driver, Honda Pilot insurance prices range from as low as $452 for the bare minimum liability coverage to the much higher price of $2,814 for a driver that may need high-risk insurance.

Liability Only $452
Full Coverage $1,320
High Risk $2,814

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities. The example below illustrates how location impacts auto insurance prices.

Rural Areas $990
Small Cities $1,386
Large Cities $1,782

The ranges above illustrate why everyone should get quotes using their specific location and risk profile, rather than relying on rate averages.

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

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

Additional Rate Information

The chart below illustrates average Honda Pilot insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $778
  • Choosing higher $1,000 deductibles can save $178 each year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,320
  • Buying pricier low deductibles for comp and collision coverage will cost an extra $334 a year
  • High-risk insureds with multiple tickets or accidents could pay around $2,814
  • The price for full coverage for a teen driver for full coverage can cost $4,838 each year

View Chart as Image

Honda Pilot insurance cost comparison chart
Column chart showing Honda Pilot insurance prices range from $778 to $4,838 for full coverage

Insurance prices for a Honda Pilot are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $4,800 a year. View Rates by Age

The state you live in plays a big part in determining prices for Honda Pilot insurance rates. A good driver about age 40 could pay as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,780 on average in Florida, New York, and Michigan.

Honda Pilot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$128 -9.7%
Alaska $1,012 -$308 -23.3%
Arizona $1,096 -$224 -17.0%
Arkansas $1,320 -$0 0.0%
California $1,502 $182 13.8%
Colorado $1,260 -$60 -4.5%
Connecticut $1,356 $36 2.7%
Delaware $1,494 $174 13.2%
Florida $1,652 $332 25.2%
Georgia $1,218 -$102 -7.7%
Hawaii $948 -$372 -28.2%
Idaho $892 -$428 -32.4%
Illinois $982 -$338 -25.6%
Indiana $994 -$326 -24.7%
Iowa $890 -$430 -32.6%
Kansas $1,254 -$66 -5.0%
Kentucky $1,800 $480 36.4%
Louisiana $1,954 $634 48.0%
Maine $814 -$506 -38.3%
Maryland $1,088 -$232 -17.6%
Massachusetts $1,056 -$264 -20.0%
Michigan $2,294 $974 73.8%
Minnesota $1,104 -$216 -16.4%
Mississippi $1,578 $258 19.5%
Missouri $1,170 -$150 -11.4%
Montana $1,416 $96 7.3%
Nebraska $1,042 -$278 -21.1%
Nevada $1,584 $264 20.0%
New Hampshire $950 -$370 -28.0%
New Jersey $1,476 $156 11.8%
New Mexico $1,170 -$150 -11.4%
New York $1,388 $68 5.2%
North Carolina $760 -$560 -42.4%
North Dakota $1,082 -$238 -18.0%
Ohio $912 -$408 -30.9%
Oklahoma $1,354 $34 2.6%
Oregon $1,208 -$112 -8.5%
Pennsylvania $1,258 -$62 -4.7%
Rhode Island $1,760 $440 33.3%
South Carolina $1,196 -$124 -9.4%
South Dakota $1,112 -$208 -15.8%
Tennessee $1,156 -$164 -12.4%
Texas $1,592 $272 20.6%
Utah $976 -$344 -26.1%
Vermont $902 -$418 -31.7%
Virginia $790 -$530 -40.2%
Washington $1,018 -$302 -22.9%
West Virginia $1,210 -$110 -8.3%
Wisconsin $914 -$406 -30.8%
Wyoming $1,176 -$144 -10.9%

View Chart as Image

Honda Pilot insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $520 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 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 anywhere from $1,500 to $2,100 additional each year, depending on your age. Honda Pilot insurance for high-risk drivers ranges anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Honda Pilot Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Pilot LX 2WD $1,220 $102
Honda Pilot EX 2WD $1,276 $106
Honda Pilot EX 4WD $1,276 $106
Honda Pilot EX-L 2WD $1,350 $113
Honda Pilot EX-L 4WD $1,350 $113
Honda Pilot Touring 2WD $1,392 $116
Honda Pilot Touring 4WD $1,392 $116

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.

Honda Pilot Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Pilot $336 $470 $372 $1,336
2023 Honda Pilot $320 $452 $390 $1,320
2022 Honda Pilot $306 $448 $398 $1,310
2021 Honda Pilot $296 $436 $416 $1,306
2020 Honda Pilot $286 $418 $430 $1,292
2019 Honda Pilot $270 $404 $442 $1,274
2018 Honda Pilot $260 $374 $452 $1,244
2017 Honda Pilot $250 $352 $456 $1,216
2016 Honda Pilot $240 $316 $460 $1,174
2015 Honda Pilot $224 $292 $460 $1,134
2014 Honda Pilot $216 $272 $464 $1,110
2013 Honda Pilot $210 $254 $474 $1,096
2012 Honda Pilot $194 $236 $474 $1,062
2011 Honda Pilot $190 $214 $478 $1,040
2010 Honda Pilot $176 $196 $474 $1,004
2009 Honda Pilot $166 $178 $474 $976
2008 Honda Pilot $162 $160 $468 $948
2007 Honda Pilot $158 $156 $460 $932
2006 Honda Pilot $156 $150 $452 $916
2005 Honda Pilot $142 $142 $446 $888

Rates are averaged for all Honda Pilot models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find More Affordable Honda Pilot Insurance

Getting lower rates on Honda Pilot insurance takes avoiding accidents and claims, having a good credit history, not filing small claims, and consideration of higher deductibles. Spend time shopping around once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a summary of the data that was touched on above.

  • It is possible to save around $160 per year just by quoting online well ahead of the renewal date
  • Drivers who purchase increased liability limits will pay around $430 annually to raise limits from a low limit to 250/500 limits
  • Drivers under the age of 20 are the costliest to insure, as much as $403 a month including comprehensive and collision insurance
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,490 more per year to insure a Honda Pilot

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. 

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.  

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.

Rates by Driver Age

Honda Pilot Insurance Rates by Driver Age
Driver Age Premium
16 $4,838
20 $2,982
30 $1,374
40 $1,320
50 $1,202
60 $1,176

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,654
$250 $1,502
$500 $1,320
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,470
100/300 $1,568
250/500 $1,821
100 CSL $1,509
300 CSL $1,724
500 CSL $1,880

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $6,886
20 $4,734
30 $2,874
40 $2,814
50 $2,680
60 $2,654

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 $175

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $57
Advance Quote $62
Online Quote $93
Total Discounts $542
Rate after discounts $778

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles