Honda Pilot Insurance Rates
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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.
Estimated insurance rates for a Honda Pilot are $1,004 a year including full coverage. Comprehensive insurance costs around $176 each year, collision insurance costs $196, and liability costs $474. A policy with only liability insurance costs as little as $522 a year, and a high-risk policy costs $2,150 or more. Teen drivers pay the most at up to $4,022 a year.
Average premium for full coverage: $1,004
Premium estimates for type of coverage:
Estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Pilot models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Honda Pilot range from the low end price of $522 for minimum levels of liability insurance to a high rate of $2,150 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates how location impacts auto insurance rates.
These rate differences highlight why all drivers should compare rates for a specific zip code, instead of making a decision based 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.
Additional Rate Details
The chart below breaks down average Honda Pilot insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $615
- Drivers who choose higher $1,000 deductibles will pay about $84 every year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,004
- Choosing low deductibles for comprehensive and collision insurance will cost an additional $160 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,150
- An auto insurance policy that insures a 16-year-old driver can be $4,022 a year
Car insurance prices for a Honda Pilot also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are likely paying at least $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than average. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,000 a year. View Rates by Age
Where you choose to live makes a big difference in Honda Pilot insurance prices. A 40-year-old driver could pay as low as $770 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,430 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $250 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Honda Pilot LX 2WD||$958||$80|
|Honda Pilot EX 2WD||$986||$82|
|Honda Pilot EX 4WD||$986||$82|
|Honda Pilot EX-L 2WD||$1,018||$85|
|Honda Pilot EX-L 4WD||$1,018||$85|
|Honda Pilot Touring 2WD||$1,038||$87|
|Honda Pilot Touring 4WD||$1,038||$87|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Honda Pilot||$260||$374||$452||$1,244|
|2016 Honda Pilot||$250||$352||$456||$1,216|
|2015 Honda Pilot||$240||$316||$460||$1,174|
|2013 Honda Pilot||$216||$272||$464||$1,110|
|2012 Honda Pilot||$210||$254||$474||$1,096|
|2011 Honda Pilot||$194||$236||$474||$1,062|
|2010 Honda Pilot||$190||$214||$478||$1,040|
|2009 Honda Pilot||$176||$196||$474||$1,004|
|2008 Honda Pilot||$166||$178||$474||$976|
|2007 Honda Pilot||$162||$160||$468||$948|
|2006 Honda Pilot||$158||$156||$460||$932|
|2005 Honda Pilot||$156||$150||$452||$916|
|2004 Honda Pilot||$142||$142||$446||$888|
|2003 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 Low Cost Honda Pilot Insurance
Finding better rates on insurance for a Honda Pilot not only requires avoiding accidents and claims, but also having a positive credit history, refrain from filing small claims, and consideration of higher deductibles. Shop around at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The points below are a review of the data touched on above.
- Insureds who may need increased liability limits will pay about $520 per year to go from 30/60 bodily injury limits to the 250/500 level
- You may be able to save up to $110 per year just by quoting online in advance
- Increasing policy deductibles can save approximately $250 each year
- Drivers under the age of 20 are the costliest to insure, with the cost nearing $335 per month if full coverage is purchased
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$59|
|5-yr Claim Free||$62|
|Paid in Full/EFT||$35|
Discounts are estimated and may not be available from every company or in every state.
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