Honda Pilot Insurance Rates

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:

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

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.

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

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.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

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