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.

Estimated insurance prices for a Honda Pilot are $1,310 every 12 months for full coverage. Comprehensive costs approximately $306 each year, collision costs $448, and liability coverage is $398. A liability-only policy costs around $460 a year, with high-risk insurance costing around $2,804. Teens pay the most at $4,846 a year or more.

Average premium for full coverage: $1,310

Premium estimates by type of coverage:

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Pilot models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance prices.

These rate differences show why all drivers should compare rates quotes using their specific location and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $771
• Raising to $1,000 deductibles will save $170 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,310
• Selecting low deductibles increases the price to $1,638
• Unlucky drivers with serious driving violations could pay around $2,804 or more
• An auto insurance policy to insure a teenage driver can cost $4,846

View Chart as Image

Auto insurance prices for a Honda Pilot also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Pilot.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $500 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $358 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 128% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda Pilot insurance rates. A middle-age driver might find prices as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,870 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices will be substantially 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 the Cheapest Honda Pilot Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to comparison shop every other policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a recap of the ideas that were touched on in the above illustrations.

• Teens have the highest car insurance prices, as much as $404 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may pay on average $1,490 more per year for Pilot insurance
• Increasing policy deductibles could save as much as $500 each year
• Drivers can save around $150 per year simply by quoting online in advance

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.