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.

The average insurance rates for a Honda Pilot are $1,310 a year for full coverage. Comprehensive insurance costs approximately $306, collision costs $448, and liability is estimated at $398. A liability-only policy costs approximately $460 a year, with high-risk insurance costing $2,804 or more. Teen drivers cost the most to insure at $4,846 a year or more.

Average premium for full coverage: $1,310

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Pilot models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance prices.

The examples above show why everyone should get quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $771
• Choosing higher $1,000 deductibles can save $170 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,310
• Choosing pricier low deductibles for comp and collision coverage will cost an extra $328 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,804 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $4,846 each year

View Chart as Image

Car insurance rates for a Honda Pilot also range considerably based on your risk profile, the trim level of your Pilot, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Pilot insurance prices. A good driver about age 40 could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or as much as $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $500 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Honda Pilot insurance for high-risk drivers ranges from 43% to 128% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Find the Best Honda Pilot Insurance

Finding cheaper rates on insurance for a Honda Pilot takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was touched on in this article.

• Insureds who purchase more liability coverage will pay about $440 each year to raise limits from a 30/60 limit to 250/500 limits
• Teen drivers pay the highest auto insurance rates, costing up to $404 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,490 more per year to insure their Pilot
• Increasing comprehensive and collision deductibles can save around $500 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. 

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.