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 for full coverage. Comprehensive insurance costs an estimated $320, collision costs $452, and liability is estimated at $390. Buying just liability costs approximately $452 a year, with insurance for high-risk drivers costing $2,814 or more. Teens receive the highest rates at $4,838 a year or more.

Average premium for full coverage: $1,320

Rate estimates broken down by individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Pilot models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on insurance prices.

These examples show why everyone should get quotes for a targeted area and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below shows estimated Honda Pilot insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $778
• Choosing higher $1,000 deductibles can save approximately $178 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,320
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $334 every year
• Unlucky drivers with serious driving violations could pay up to $2,814 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $4,838 each year

View Chart as Image

Auto insurance rates for a Honda Pilot can also vary considerably based on your driver profile, the trim level of your Pilot, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $4,800 a year. View Rates by Age

Where you live plays a big part in determining prices for Honda Pilot insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $520 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. Honda Pilot insurance for high-risk drivers ranges as much as 43% to 128% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to regularly compare rates and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates can be significantly different from one company to the next.

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 the Right Honda Pilot Insurance

Saving money on car insurance takes being safe and accident-free, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting rate quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a quick rundown of the material that was covered above.

• Policyholders who want more liability protection will pay approximately $430 each year to raise limits from a minimum limit to 250/500 limits
• Youthful drivers are the costliest to insure, costing as high as $403 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,490 more annually than a low-risk driver
• Increasing deductibles can save around $500 each year

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.