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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 15, 2022

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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 rates for a Honda Pilot are $1,040 a year for full coverage. Comprehensive costs on average $190 a year, collision costs $214, and liability insurance costs $478. A liability-only policy costs as little as $526 a year, with high-risk insurance costing around $2,226. Teen drivers receive the highest rates at $4,132 a year or more.

Average premium for full coverage: $1,040

Rate estimates by individual coverage type:

Comprehensive $190
Collision $214
Liability $478

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Pilot trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $526 for only liability insurance to a high of $2,226 for a high risk driver.

Liability Only $526
Full Coverage $1,040
High Risk $2,226

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $780
Small Cities $1,092
Large Cities $1,404

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Honda Pilot insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $634
  • Drivers who choose higher $1,000 deductibles will pay around $948 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,040
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,214
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,226 or more
  • The cost for full coverage for a teen driver may cost $4,132 a year

View Chart as Image

Honda Pilot insurance cost comparison chart
Column chart showing full coverage Honda Pilot insurance rates range from $634 to $4,132

for a Honda Pilot can also vary considerably based on your driver profile, the trim level of your Pilot, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,000 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,100 a year. View Rates by Age

Where you live makes a big difference in Honda Pilot insurance rates. A 40-year-old driver could pay as low as $690 a year in states like Idaho, Maine, and Iowa, or as much as $1,490 on average in Michigan, Louisiana, and New York.

Honda Pilot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $942 -$98 -9.4%
Alaska $798 -$242 -23.3%
Arizona $864 -$176 -16.9%
Arkansas $1,040 -$0 0.0%
California $1,184 $144 13.8%
Colorado $994 -$46 -4.4%
Connecticut $1,068 $28 2.7%
Delaware $1,176 $136 13.1%
Florida $1,302 $262 25.2%
Georgia $960 -$80 -7.7%
Hawaii $746 -$294 -28.3%
Idaho $704 -$336 -32.3%
Illinois $776 -$264 -25.4%
Indiana $784 -$256 -24.6%
Iowa $700 -$340 -32.7%
Kansas $990 -$50 -4.8%
Kentucky $1,418 $378 36.3%
Louisiana $1,538 $498 47.9%
Maine $642 -$398 -38.3%
Maryland $858 -$182 -17.5%
Massachusetts $834 -$206 -19.8%
Michigan $1,808 $768 73.8%
Minnesota $870 -$170 -16.3%
Mississippi $1,248 $208 20.0%
Missouri $922 -$118 -11.3%
Montana $1,118 $78 7.5%
Nebraska $822 -$218 -21.0%
Nevada $1,248 $208 20.0%
New Hampshire $748 -$292 -28.1%
New Jersey $1,164 $124 11.9%
New Mexico $920 -$120 -11.5%
New York $1,096 $56 5.4%
North Carolina $600 -$440 -42.3%
North Dakota $852 -$188 -18.1%
Ohio $718 -$322 -31.0%
Oklahoma $1,068 $28 2.7%
Oregon $952 -$88 -8.5%
Pennsylvania $992 -$48 -4.6%
Rhode Island $1,388 $348 33.5%
South Carolina $942 -$98 -9.4%
South Dakota $878 -$162 -15.6%
Tennessee $912 -$128 -12.3%
Texas $1,254 $214 20.6%
Utah $770 -$270 -26.0%
Vermont $712 -$328 -31.5%
Virginia $622 -$418 -40.2%
Washington $804 -$236 -22.7%
West Virginia $952 -$88 -8.5%
Wisconsin $720 -$320 -30.8%
Wyoming $928 -$112 -10.8%

View Chart as Image

Honda Pilot insurance rates by U.S. city

Choosing high deductibles could save up to $270 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $430 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $988 $82
Honda Pilot EX 2WD $1,018 $85
Honda Pilot EX 4WD $1,018 $85
Honda Pilot EX-L 2WD $1,054 $88
Honda Pilot EX-L 4WD $1,054 $88
Honda Pilot Touring 2WD $1,078 $90
Honda Pilot Touring 4WD $1,078 $90

Rates assume 2009 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
2017 Honda Pilot $270 $404 $442 $1,274
2016 Honda Pilot $260 $374 $452 $1,244
2015 Honda Pilot $250 $352 $456 $1,216
2013 Honda Pilot $224 $292 $460 $1,134
2012 Honda Pilot $216 $272 $464 $1,110
2011 Honda Pilot $210 $254 $474 $1,096
2010 Honda Pilot $194 $236 $474 $1,062
2009 Honda Pilot $190 $214 $478 $1,040
2008 Honda Pilot $176 $196 $474 $1,004
2007 Honda Pilot $166 $178 $474 $976
2006 Honda Pilot $162 $160 $468 $948
2005 Honda Pilot $158 $156 $460 $932
2004 Honda Pilot $156 $150 $452 $916
2003 Honda Pilot $142 $142 $446 $888

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 Find Cheaper Honda Pilot Insurance

Saving money on Honda Pilot insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $275 each year
  • Drivers can save as much as $120 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $530 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $344 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,190 more each year for insurance

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 $4,132
20 $2,354
30 $1,060
40 $1,040
50 $954
60 $932

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,214
$250 $1,136
$500 $1,040
$1,000 $948

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,040
50/100 $1,174
100/300 $1,293
250/500 $1,604
100 CSL $1,221
300 CSL $1,484
500 CSL $1,676

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $5,824
20 $3,752
30 $2,246
40 $2,226
50 $2,128
60 $2,106

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 $137

Potential Rate Discounts

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

Discount Savings
Multi-policy $53
Multi-vehicle $55
Homeowner $18
5-yr Accident Free $62
5-yr Claim Free $65
Paid in Full/EFT $37
Advance Quote $45
Online Quote $71
Total Discounts $406
Rate after discounts $634

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

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