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Honda Pilot Insurance Rates

Honda Pilot insurance

Average insurance prices for a Honda Pilot are $1,254 every 12 months with full coverage. Comprehensive costs on average $304 a year, collision insurance costs $428, and liability insurance costs around $370. A policy with just liability insurance costs as low as $430 a year, and coverage for high-risk drivers costs around $2,674. 16-year-old drivers receive the highest rates at up to $4,596 a year.

Average premium for full coverage: $1,254

Rate estimates by individual coverage type:

Comprehensive $304
Collision $428
Liability $370

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 $430 for basic liability insurance to a high of $2,674 for a high-risk insurance policy.

Liability Only $430
Full Coverage $1,254
High Risk $2,674

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 $941
Small Cities $1,317
Large Cities $1,693

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 $740
  • Using higher $1,000 deductibles will save around $1,086 annually
  • The average price for a 40-year-old driver with $500 deductibles is $1,254
  • Buying low $100 deductibles for physical damage coverage increases the price to $1,572
  • Drivers with multiple tickets or accidents could pay upwards of $2,674
  • The cost to insure a teen driver may cost $4,596 or more

View Chart as Image

Honda Pilot insurance cost comparison chart
Column chart showing Honda Pilot insurance rates range from $740 to $4,596 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 $490 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 $333 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 $4,500 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 $1,400 to $2,000 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 125% 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 $1,010 a year in states like New Hampshire, Ohio, and Utah, or at least $1,880 on average in Florida, Michigan, and New York.

Honda Pilot Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,204-$50-4.0%
Alaska$1,030-$224-17.9%
Arizona$1,258$40.3%
Arkansas$1,270$161.3%
California$1,408$15412.3%
Colorado$1,302$483.8%
Connecticut$1,642$38830.9%
Delaware$1,526$27221.7%
Florida$1,692$43834.9%
Georgia$1,244-$10-0.8%
Hawaii$1,354$1008.0%
Idaho$872-$382-30.5%
Illinois$932-$322-25.7%
Indiana$892-$362-28.9%
Iowa$942-$312-24.9%
Kansas$1,152-$102-8.1%
Kentucky$1,624$37029.5%
Louisiana$2,030$77661.9%
Maine$860-$394-31.4%
Maryland$1,286$322.6%
Massachusetts$1,104-$150-12.0%
Michigan$2,304$1,05083.7%
Minnesota$1,100-$154-12.3%
Mississippi$1,228-$26-2.1%
Missouri$1,070-$184-14.7%
Montana$1,138-$116-9.3%
Nebraska$1,032-$222-17.7%
Nevada$1,618$36429.0%
New Hampshire$1,024-$230-18.3%
New Jersey$1,246-$8-0.6%
New Mexico$1,164-$90-7.2%
New York$1,632$37830.1%
North Carolina$890-$364-29.0%
North Dakota$1,220-$34-2.7%
Ohio$882-$372-29.7%
Oklahoma$1,524$27021.5%
Oregon$1,172-$82-6.5%
Pennsylvania$1,412$15812.6%
Rhode Island$1,520$26621.2%
South Carolina$1,170-$84-6.7%
South Dakota$982-$272-21.7%
Tennessee$1,126-$128-10.2%
Texas$1,204-$50-4.0%
Utah$1,110-$144-11.5%
Vermont$892-$362-28.9%
Virginia$900-$354-28.2%
Washington$1,104-$150-12.0%
West Virginia$1,274$201.6%
Wisconsin$1,280$262.1%
Wyoming$1,386$13210.5%

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$1,160$97
Honda Pilot EX 2WD$1,214$101
Honda Pilot EX 4WD$1,214$101
Honda Pilot EX-L 2WD$1,282$107
Honda Pilot EX-L 4WD$1,282$107
Honda Pilot Touring 2WD$1,324$110
Honda Pilot Touring 4WD$1,324$110

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$304$428$370$1,254
2016 Honda Pilot$292$424$378$1,246
2015 Honda Pilot$282$414$396$1,244
2014 Honda Pilot$272$398$408$1,230
2013 Honda Pilot$256$384$420$1,212
2012 Honda Pilot$246$356$428$1,182
2011 Honda Pilot$236$336$432$1,156
2010 Honda Pilot$228$300$436$1,116
2009 Honda Pilot$212$276$436$1,076
2008 Honda Pilot$204$260$440$1,056
2007 Honda Pilot$200$242$450$1,044
2006 Honda Pilot$186$224$450$1,012
2005 Honda Pilot$180$204$454$990
2004 Honda Pilot$168$186$450$956
2003 Honda Pilot$158$170$450$930

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 $1,420 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 $475 each year
  • Drivers who require more liability coverage will pay around $410 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$4,596
20$2,834
30$1,306
40$1,254
50$1,142
60$1,118

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,572
$250$1,428
$500$1,254
$1,000$1,086

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,254
50/100$1,398
100/300$1,491
250/500$1,731
100 CSL$1,435
300 CSL$1,639
500 CSL$1,787

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot Insurance Rates for High Risk Drivers
AgePremium
16$6,540
20$4,494
30$2,732
40$2,674
50$2,546
60$2,518

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 $166

Potential Rate Discounts

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

DiscountSavings
Multi-policy$66
Multi-vehicle$63
Homeowner$18
5-yr Accident Free$87
5-yr Claim Free$79
Paid in Full/EFT$54
Advance Quote$59
Online Quote$88
Total Discounts$514
Rate after discounts $740

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

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