Honda Pilot Insurance Rates
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UPDATED: Apr 9, 2020
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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 prices for a Honda Pilot are $1,320 every 12 months with full coverage. Comprehensive costs on average $320 a year, collision insurance costs $452, and liability insurance costs around $390. A policy with just liability insurance costs as low as $452 a year, and coverage for high-risk drivers costs around $2,814. 16-year-old drivers receive the highest rates at up to $4,838 a year.
Average premium for full coverage: $1,320
Rate estimates by individual coverage type:
Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Pilot trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $452 for basic liability insurance to a high of $2,814 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples demonstrate why it is important to compare prices based on a specific location and their own driving history, 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.
The chart below details average Honda Pilot insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $778
- Using higher $1,000 deductibles will save around $1,142 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,320
- Buying low $100 deductibles for physical damage coverage increases the price to $1,654
- Drivers with multiple tickets or accidents could pay upwards of $2,814
- The cost to insure a teen driver may cost $4,838 or more
Insurance rates for a Honda Pilot can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Pilot.
Opting for high physical damage deductibles could cut rates by as much as $520 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 128% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Honda Pilot insurance rates. A driver around age 40 might see rates as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,780 on average in Florida, Michigan, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Insurance Rates by Trim Level and Model Year
|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 2020 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2020 Honda Pilot||$320||$452||$390||$1,320|
|2019 Honda Pilot||$306||$448||$398||$1,310|
|2018 Honda Pilot||$296||$436||$416||$1,306|
|2017 Honda Pilot||$286||$418||$430||$1,292|
|2016 Honda Pilot||$270||$404||$442||$1,274|
|2015 Honda Pilot||$260||$374||$452||$1,244|
|2014 Honda Pilot||$250||$352||$456||$1,216|
|2013 Honda Pilot||$240||$316||$460||$1,174|
|2012 Honda Pilot||$224||$292||$460||$1,134|
|2011 Honda Pilot||$216||$272||$464||$1,110|
|2010 Honda Pilot||$210||$254||$474||$1,096|
|2009 Honda Pilot||$194||$236||$474||$1,062|
|2008 Honda Pilot||$190||$214||$478||$1,040|
|2007 Honda Pilot||$176||$196||$474||$1,004|
|2006 Honda Pilot||$166||$178||$474||$976|
|2005 Honda Pilot||$162||$160||$468||$948|
|2004 Honda Pilot||$158||$156||$460||$932|
|2003 Honda Pilot||$156||$150||$452||$916|
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 Shop for Affordable Honda Pilot Insurance
Saving money on Honda Pilot insurance requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a brief review of the car insurance concepts covered above.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,490 more each year to insure their Pilot
- You may be able to save as much as $160 per year just by quoting early and online
- Increasing deductibles could save as much as $500 each year
- Drivers who require more liability coverage will pay around $430 every year to increase from a minimum limit to a 250/500 level
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.
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$92|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.