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.

Estimated insurance rates for a Honda Pilot are $1,004 a year for full coverage. Comprehensive costs around $176 a year, collision costs $196, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,150. Teen drivers pay the most at $4,022 a year or more.

Average premium for full coverage: $1,004

Premium estimates for type of coverage:

Full coverage includes $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Pilot trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences show why it is important to compare rates quotes for a specific zip code and risk profile, rather than relying on price averages.

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

More Rate Information

The chart below shows estimated Honda Pilot insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $615
• Raising to $1,000 deductibles will save about $920 a year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,004
• Choosing low $100 deductibles will increase the cost to $1,164
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,150 or more
• An auto insurance policy for full coverage for a teen driver can be $4,022

View Chart as Image

Insurance prices for a Honda Pilot also have a wide range based on your driving characteristics, the trim level of your Pilot, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $4,000 a year. View Rates by Age

Where you choose to live also has a big influence on Honda Pilot insurance rates. A middle-age driver might find prices as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,430 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $250 each year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 133% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know your exact price is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2009 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 More Affordable Honda Pilot Insurance

Finding better rates on Honda Pilot insurance consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following is a summary of the information touched on above.

• Drivers can save up to $110 per year simply by quoting early and online
• Teens pay higher prices, as much as $335 per month for full coverage
• Increasing policy deductibles can save around $250 each year
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,150 more every year for Pilot insurance
• Drivers who may need higher liability limits will pay about $520 each year to raise from 30/60 bodily injury limits to 250/500 limits

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.