Honda Pilot Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 $976 a year for full coverage. Comprehensive costs approximately $166, collision insurance costs $178, and liability insurance costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,088. Teen drivers receive the highest rates at up to $3,934 a year.

Average premium for full coverage: $976

Rate estimates by individual coverage type:

Comprehensive $166
Collision $178
Liability $474

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Pilot models.

Price Range by Coverage and Risk

For the normal driver, prices range range from as low as $522 for just liability coverage to the much higher price of $2,088 for high-risk insurance.

Liability Only $522
Full Coverage $976
High Risk $2,088

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.

Rural Areas $732
Small Cities $1,025
Large Cities $1,318

These examples show why everyone should compare rates using their 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.

Detailed Rate Analysis

The chart below shows average Honda Pilot insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $601
  • Drivers who choose higher $1,000 deductibles will pay $78 a year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $976
  • Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,124
  • High risk drivers with multiple violations and an at-fault accident could pay around $2,088
  • The cost for full coverage for a teen driver for full coverage can cost $3,934 a year

View Chart as Image

Honda Pilot insurance cost comparison chart
Column chart showing Honda Pilot insurance rates range from $601 to $3,934 for full coverage

Auto insurance rates for a Honda Pilot can also vary considerably based on your driver profile, the trim level of your Pilot, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $3,900 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 $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,390 on average in New York, Louisiana, and Michigan.

Honda Pilot Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $884 -$92 -9.4%
Alaska $748 -$228 -23.4%
Arizona $810 -$166 -17.0%
Arkansas $976 -$0 0.0%
California $1,114 $138 14.1%
Colorado $932 -$44 -4.5%
Connecticut $1,004 $28 2.9%
Delaware $1,106 $130 13.3%
Florida $1,222 $246 25.2%
Georgia $900 -$76 -7.8%
Hawaii $702 -$274 -28.1%
Idaho $658 -$318 -32.6%
Illinois $726 -$250 -25.6%
Indiana $734 -$242 -24.8%
Iowa $658 -$318 -32.6%
Kansas $930 -$46 -4.7%
Kentucky $1,332 $356 36.5%
Louisiana $1,444 $468 48.0%
Maine $602 -$374 -38.3%
Maryland $806 -$170 -17.4%
Massachusetts $780 -$196 -20.1%
Michigan $1,696 $720 73.8%
Minnesota $818 -$158 -16.2%
Mississippi $1,170 $194 19.9%
Missouri $866 -$110 -11.3%
Montana $1,048 $72 7.4%
Nebraska $770 -$206 -21.1%
Nevada $1,172 $196 20.1%
New Hampshire $702 -$274 -28.1%
New Jersey $1,092 $116 11.9%
New Mexico $866 -$110 -11.3%
New York $1,030 $54 5.5%
North Carolina $562 -$414 -42.4%
North Dakota $800 -$176 -18.0%
Ohio $674 -$302 -30.9%
Oklahoma $1,002 $26 2.7%
Oregon $894 -$82 -8.4%
Pennsylvania $932 -$44 -4.5%
Rhode Island $1,302 $326 33.4%
South Carolina $884 -$92 -9.4%
South Dakota $824 -$152 -15.6%
Tennessee $856 -$120 -12.3%
Texas $1,176 $200 20.5%
Utah $724 -$252 -25.8%
Vermont $670 -$306 -31.4%
Virginia $584 -$392 -40.2%
Washington $756 -$220 -22.5%
West Virginia $894 -$82 -8.4%
Wisconsin $678 -$298 -30.5%
Wyoming $870 -$106 -10.9%

View Chart as Image

Honda Pilot insurance rates by U.S. city

Choosing high deductibles could save up to $230 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,100 to $1,600 in extra premium per year, depending on your age. Honda Pilot insurance for high-risk drivers can cost anywhere from 41% to 126% more than average. View High Risk Driver Rates

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 $932 $78
Honda Pilot EX 2WD $958 $80
Honda Pilot EX 4WD $958 $80
Honda Pilot EX-L 2WD $988 $82
Honda Pilot EX-L 4WD $988 $82
Honda Pilot Touring 2WD $1,008 $84
Honda Pilot Touring 4WD $1,008 $84

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 $250 $352 $456 $1,216
2016 Honda Pilot $240 $316 $460 $1,174
2015 Honda Pilot $224 $292 $460 $1,134
2013 Honda Pilot $210 $254 $474 $1,096
2012 Honda Pilot $194 $236 $474 $1,062
2011 Honda Pilot $190 $214 $478 $1,040
2010 Honda Pilot $176 $196 $474 $1,004
2009 Honda Pilot $166 $178 $474 $976
2008 Honda Pilot $162 $160 $468 $948
2007 Honda Pilot $158 $156 $460 $932
2006 Honda Pilot $156 $150 $452 $916
2005 Honda Pilot $142 $142 $446 $888
2004 Honda Pilot $138 $134 $442 $872

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 good driver, but also having good credit, eliminating unneeded coverage, and possibly higher deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a condensed summary of the material that was presented in the illustrations above.

  • Drivers who purchase an increased level of liability coverage will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Drivers age 16 to 20 have the highest car insurance rates, costing as high as $328 per month if they have full coverage
  • High-risk drivers with multiple at-fault accidents may pay on average $1,110 more per year than a safer driver
  • Increasing deductibles can save around $225 each year

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 $3,934
20 $2,212
30 $990
40 $976
50 $894
60 $876

Full coverage, $500 deductibles

Rates by Deductible

Honda Pilot Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,124
$250 $1,058
$500 $976
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Honda Pilot Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $976
50/100 $1,103
100/300 $1,221
250/500 $1,529
100 CSL $1,150
300 CSL $1,411
500 CSL $1,601

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Pilot Insurance Rates for High Risk Drivers
Age Premium
16 $5,532
20 $3,524
30 $2,102
40 $2,088
50 $1,996
60 $1,974

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 $128

Potential Rate Discounts

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

Discount Savings
Multi-policy $49
Multi-vehicle $52
Homeowner $18
5-yr Accident Free $57
5-yr Claim Free $60
Paid in Full/EFT $33
Advance Quote $41
Online Quote $65
Total Discounts $375
Rate after discounts $601

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

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