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 $976 a year with full coverage. Comprehensive costs approximately $166, collision costs $178, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,088. 16-year-old drivers cost the most to insure at $3,934 a year or more.

Average premium for full coverage: $976

Policy rates by type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Pilot trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $601
• Choosing higher $1,000 deductibles can save $78 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $976
• Buying more expensive low deductibles for comp and collision coverage bumps up the cost to $1,124
• Drivers with multiple tickets or accidents could pay around $2,088 or more
• Policy cost that insures a teenage driver with full coverage can cost $3,934 each year

View Chart as Image

Insurance rates for a Honda Pilot also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,100 to $1,600 extra every year, depending on your age. High-risk driver insurance ranges around 41% to 126% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Pilot insurance rates. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or at least $1,320 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $230 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find Low Cost Honda Pilot Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and maximizing policy discounts. Comparison shop every other policy renewal by obtaining price quotes from direct companies, and also from local insurance agencies.

The points below are a review of the ideas that were covered in the charts and tables above.

• Drivers under the age of 20 are expensive to insure, as much as $328 each month if full coverage is included
• Drivers who have several accidents or serious violations may have to pay on average $1,110 more per year to insure a Honda Pilot
• Increasing comprehensive and collision deductibles can save approximately $225 each year
• You may be able to save around $110 per year simply by shopping early and online

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.