Honda Pilot Insurance Rates

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.

U.S. average insurance prices for a Honda Pilot are $1,310 every 12 months with full coverage. Comprehensive costs around $306, collision insurance costs $448, and liability is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs around $2,804. Teen drivers pay the highest rates at up to $4,846 a year.

Average premium for full coverage: $1,310

Price estimates for individual coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Pilot trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details average Honda Pilot insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $771
• Choosing higher $1,000 deductibles can save about $170 annually
• The average price for the average middle-age driver using $500 deductibles is $1,310
• Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,638
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,804
• The price to insure a teen driver with full coverage can be $4,846 each year

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Auto insurance prices for a Honda Pilot are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing high deductibles can save as much as $500 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 in extra premium each year, depending on your age. High-risk driver insurance ranges as much as 43% to 128% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Honda Pilot insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,770 on average in Florida, Michigan, and New York.

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Insurance Rates by Trim Level and Model Year

Rates assume 2023 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 Low Cost Honda Pilot Insurance

Getting lower rates on car insurance takes having a good driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a review of the information touched on above.

• You may be able to save up to $150 per year just by shopping early and online
• Drivers age 20 and younger are expensive to insure, costing up to $404 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save as much as $500 each year
• Higher risk drivers who have several accidents or serious violations pay on average $1,490 more every year to buy Honda Pilot insurance
• Policyholders who may need increased levels of liability coverage will pay about $440 every year to raise limits from a low 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. 

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.  

• Dodge Journey
• Ford Flex
• Hyundai Santa Fe

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.