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Honda Pilot Insurance Rates

Honda Pilot insurance

Average insurance prices for a Honda Pilot are $1,310 every 12 months with full coverage. Comprehensive costs on average $306 a year, collision insurance costs $448, and liability insurance costs around $398. A policy with just liability insurance costs as low as $460 a year, and coverage for high-risk drivers costs around $2,804. 16-year-old drivers receive the highest rates at up to $4,846 a year.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Comprehensive $306
Collision $448
Liability $398

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 $460 for basic liability insurance to a high of $2,804 for a high-risk insurance policy.

Liability Only $460
Full Coverage $1,310
High Risk $2,804

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.

Rural Areas $983
Small Cities $1,376
Large Cities $1,769

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.

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Rate Comparisons

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

  • The best full coverage rate is $771
  • Using higher $1,000 deductibles will save around $1,140 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,310
  • Buying low $100 deductibles for physical damage coverage increases the price to $1,638
  • Drivers with multiple tickets or accidents could pay upwards of $2,804
  • The cost to insure a teen driver may cost $4,846 or more

View Chart as Image

Honda Pilot insurance cost comparison chart
Column chart showing Honda Pilot insurance rates range from $771 to $4,846 for full coverage

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 $500 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 $358 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 $1,770 on average in Florida, Michigan, and New York.

Honda Pilot Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,186-$124-9.5%
Alaska$1,008-$302-23.1%
Arizona$1,088-$222-16.9%
Arkansas$1,310-$00.0%
California$1,494$18414.0%
Colorado$1,252-$58-4.4%
Connecticut$1,350$403.1%
Delaware$1,482$17213.1%
Florida$1,642$33225.3%
Georgia$1,212-$98-7.5%
Hawaii$942-$368-28.1%
Idaho$888-$422-32.2%
Illinois$978-$332-25.3%
Indiana$988-$322-24.6%
Iowa$886-$424-32.4%
Kansas$1,246-$64-4.9%
Kentucky$1,788$47836.5%
Louisiana$1,940$63048.1%
Maine$810-$500-38.2%
Maryland$1,082-$228-17.4%
Massachusetts$1,050-$260-19.8%
Michigan$2,278$96873.9%
Minnesota$1,096-$214-16.3%
Mississippi$1,572$26220.0%
Missouri$1,164-$146-11.1%
Montana$1,408$987.5%
Nebraska$1,034-$276-21.1%
Nevada$1,572$26220.0%
New Hampshire$946-$364-27.8%
New Jersey$1,466$15611.9%
New Mexico$1,162-$148-11.3%
New York$1,382$725.5%
North Carolina$756-$554-42.3%
North Dakota$1,074-$236-18.0%
Ohio$906-$404-30.8%
Oklahoma$1,348$382.9%
Oregon$1,202-$108-8.2%
Pennsylvania$1,250-$60-4.6%
Rhode Island$1,748$43833.4%
South Carolina$1,190-$120-9.2%
South Dakota$1,106-$204-15.6%
Tennessee$1,148-$162-12.4%
Texas$1,582$27220.8%
Utah$970-$340-26.0%
Vermont$898-$412-31.5%
Virginia$784-$526-40.2%
Washington$1,014-$296-22.6%
West Virginia$1,202-$108-8.2%
Wisconsin$908-$402-30.7%
Wyoming$1,168-$142-10.8%

View Chart as Image

Honda Pilot insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Honda Pilot Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Honda Pilot LX 2WD$1,214$101
Honda Pilot EX 2WD$1,268$106
Honda Pilot EX 4WD$1,268$106
Honda Pilot EX-L 2WD$1,340$112
Honda Pilot EX-L 4WD$1,340$112
Honda Pilot Touring 2WD$1,382$115
Honda Pilot Touring 4WD$1,382$115

Rates assume 2017 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 YearComprehensiveCollisionLiabilityTotal Premium
2017 Honda Pilot$306$448$398$1,310
2016 Honda Pilot$296$436$416$1,306
2015 Honda Pilot$286$418$430$1,292
2014 Honda Pilot$270$404$442$1,274
2013 Honda Pilot$260$374$452$1,244
2012 Honda Pilot$250$352$456$1,216
2011 Honda Pilot$240$316$460$1,174
2010 Honda Pilot$224$292$460$1,134
2009 Honda Pilot$216$272$464$1,110
2008 Honda Pilot$210$254$474$1,096
2007 Honda Pilot$194$236$474$1,062
2006 Honda Pilot$190$214$478$1,040
2005 Honda Pilot$176$196$474$1,004
2004 Honda Pilot$166$178$474$976
2003 Honda Pilot$162$160$468$948

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 $150 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 $440 every year to increase from a minimum limit to a 250/500 level

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Rates by Driver Age

Honda Pilot Insurance Rates by Driver Age
Driver AgePremium
16$4,846
20$2,976
30$1,366
40$1,310
50$1,196
60$1,172

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,638
$250$1,488
$500$1,310
$1,000$1,140

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,310
50/100$1,462
100/300$1,561
250/500$1,820
100 CSL$1,501
300 CSL$1,720
500 CSL$1,880

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot Insurance Rates for High Risk Drivers
AgePremium
16$6,894
20$4,724
30$2,862
40$2,804
50$2,674
60$2,648

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.

DiscountSavings
Multi-policy$69
Multi-vehicle$66
Homeowner$19
5-yr Accident Free$91
5-yr Claim Free$83
Paid in Full/EFT$57
Advance Quote$62
Online Quote$92
Total Discounts$539
Rate after discounts $771

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

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