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Honda Pilot Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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:

Comprehensive $320
Collision $452
Liability $390

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.

Liability Only $452
Full Coverage $1,320
High Risk $2,814

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 $990
Small Cities $1,386
Large Cities $1,782

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.

Rate Comparisons

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

View Chart as Image

Honda Pilot insurance cost comparison chart
Column chart showing Honda Pilot insurance rates range from $778 to $4,838 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 $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.

Honda Pilot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$128 -9.7%
Alaska $1,012 -$308 -23.3%
Arizona $1,096 -$224 -17.0%
Arkansas $1,320 -$0 0.0%
California $1,502 $182 13.8%
Colorado $1,260 -$60 -4.5%
Connecticut $1,356 $36 2.7%
Delaware $1,494 $174 13.2%
Florida $1,652 $332 25.2%
Georgia $1,218 -$102 -7.7%
Hawaii $948 -$372 -28.2%
Idaho $892 -$428 -32.4%
Illinois $982 -$338 -25.6%
Indiana $994 -$326 -24.7%
Iowa $890 -$430 -32.6%
Kansas $1,254 -$66 -5.0%
Kentucky $1,800 $480 36.4%
Louisiana $1,954 $634 48.0%
Maine $814 -$506 -38.3%
Maryland $1,088 -$232 -17.6%
Massachusetts $1,056 -$264 -20.0%
Michigan $2,294 $974 73.8%
Minnesota $1,104 -$216 -16.4%
Mississippi $1,578 $258 19.5%
Missouri $1,170 -$150 -11.4%
Montana $1,416 $96 7.3%
Nebraska $1,042 -$278 -21.1%
Nevada $1,584 $264 20.0%
New Hampshire $950 -$370 -28.0%
New Jersey $1,476 $156 11.8%
New Mexico $1,170 -$150 -11.4%
New York $1,388 $68 5.2%
North Carolina $760 -$560 -42.4%
North Dakota $1,082 -$238 -18.0%
Ohio $912 -$408 -30.9%
Oklahoma $1,354 $34 2.6%
Oregon $1,208 -$112 -8.5%
Pennsylvania $1,258 -$62 -4.7%
Rhode Island $1,760 $440 33.3%
South Carolina $1,196 -$124 -9.4%
South Dakota $1,112 -$208 -15.8%
Tennessee $1,156 -$164 -12.4%
Texas $1,592 $272 20.6%
Utah $976 -$344 -26.1%
Vermont $902 -$418 -31.7%
Virginia $790 -$530 -40.2%
Washington $1,018 -$302 -22.9%
West Virginia $1,210 -$110 -8.3%
Wisconsin $914 -$406 -30.8%
Wyoming $1,176 -$144 -10.9%

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 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.

Honda Pilot Insurance Rates by Model Year
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.

Rates by Driver Age

Honda Pilot Insurance Rates by Driver Age
Driver Age Premium
16 $4,838
20 $2,982
30 $1,374
40 $1,320
50 $1,202
60 $1,176

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,654
$250 $1,502
$500 $1,320
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,470
100/300 $1,568
250/500 $1,821
100 CSL $1,509
300 CSL $1,724
500 CSL $1,880

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $6,886
20 $4,734
30 $2,874
40 $2,814
50 $2,680
60 $2,654

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.

Discount Savings
Multi-policy $70
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $57
Advance Quote $62
Online Quote $93
Total Discounts $542
Rate after discounts $778

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

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