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.

Average insurance prices for a Honda Pilot are $1,310 every 12 months with full coverage. Comprehensive insurance costs on average $306 a year, collision costs $448, and liability coverage is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing $2,804 or more. 16-year-old drivers receive the highest rates at $4,846 a year or more.

Average premium for full coverage: $1,310

Rate estimates by individual coverage type:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Pilot trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities.

The diagram below illustrates how your location can change car insurance rates.

These examples demonstrate why it is important to get quotes based on a specific location and their own driving history, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $771
• Choosing higher $1,000 deductibles can 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 comp and collision coverage costs an extra $328 each year
• Drivers with multiple tickets or accidents could pay upwards of $2,804 or more
• The cost to insure a teenage driver may cost $4,846 each year

View Chart as Image

Auto 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 can save as much as $500 a 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 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have 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 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 128% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Honda Pilot insurance rates. A good driver about age 40 could pay 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

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly different.

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 More Affordable Honda Pilot Insurance

Saving money on auto insurance takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Invest the time to shop around once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a summary of the data that was illustrated above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Consumers who require increased levels of liability coverage will pay around $440 every year to raise limits from a minimum limit to a 250/500 level
• Drivers age 20 and younger are charged the highest rates, with premiums as much as $404 per month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations may pay on average $1,490 more each year to buy Honda Pilot 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. 

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.