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 prices for a Honda Pilot are $1,310 every 12 months including full coverage. Comprehensive costs an estimated $306, collision insurance costs $448, and liability coverage costs around $398. A liability-only policy costs as low as $460 a year, and high-risk insurance costs around $2,804. 16-year-old drivers cost the most to insure at up to $4,846 a year.

Average premium for full coverage: $1,310

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all Pilot models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Honda Pilot insurance rates for other coverage scenarios.

• The best full coverage rate is $771
• Using higher $1,000 deductibles will save approximately $170 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,310
• Buying pricier low deductibles for physical damage coverage increases the price to $1,638
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,804
• Policy cost to insure a teenage driver for full coverage can cost as much as $4,846 or more

View Chart as Image

Car insurance rates for a Honda Pilot also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $500 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,100 extra every year, depending on your age. Honda Pilot insurance for high-risk drivers can be around 43% to 128% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Honda Pilot insurance rates. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,870 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 the Best Cheap Honda Pilot Insurance

Finding cheaper rates on auto insurance requires being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to compare rates every year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick review of the coverage data covered above.

• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $404 each month if the policy includes full coverage
• Drivers with a DUI or reckless driving violation may have to pay on average $1,490 more annually than a safer driver

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.