How to Find Cheap Honda Pilot Insurance Quotes

Average car insurance rates for a Honda Pilot cost $1,336 a year, or around $111 a month. Shop around to find cheap Honda Pilot insurance rates. On average, Honda Pilot comprehensive insurance coverage costs $325, collision coverage costs $475, and liability coverage costs $377.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 8, 2020

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Key Takeaways:

  • Full coverage costs around $1,336 a year or $111 each month
  • A liability-only policy costs around $536 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,883 a year or $407 each month
  • Good drivers can save as much as $551 a year by earning policy discounts
  • Honda Pilot insurance costs around $183 less per year than the average vehicle

Honda Pilot car insurance rates cost drivers an average of $1,336 a year, which comes down to about $111 per month. Some of the factors that determine Honda Pilot rates include the age of both the driver and vehicle, as well as the safety features of the model.

Take a look through this comprehensive guide to learn more about Honda Pilot insurance rates. It will help you as you start comparing policies from different companies.

You can start comparing quotes for Honda Pilot car insurance rates from some of the best car insurance companies by using our free online tool now.

Honda Pilot Insurance Cost

The average Honda Pilot car insurance costs are $1,336 a year or $111 a month.

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Are Honda Pilots Expensive to Insure?

The chart below details how Honda Pilot insurance rates compare to other SUVs like the Mazda CX-9, GMC Yukon XL, and Cadillac XT5.

Vehicle Comprehensive Collision Liability Total
Honda Pilot $336 $470 $372 $1,336
Mazda CX-9 $332 $542 $390 $1,422
GMC Yukon XL $362 $562 $372 $1,454
Cadillac XT5 $376 $718 $372 $1,624
Jeep Cherokee $348 $626 $466 $1,640
Toyota Sequoia $332 $566 $398 $1,454
Infiniti QX60 $404 $750 $372 $1,684
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda Pilot Insurance?

Even though the average annual rate for the Honda Pilot is $1,336, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Honda Pilot.

Age of the Vehicle

Older Honda Pilot models generally cost less to insure. For example, auto insurance for a 2020 Honda Pilot costs $1,336, while 2010 Honda Pilot insurance costs are $1,110, a difference of $226.

Model Year Comprehensive Collision Liability Total
2020 Honda Pilot $336 $470 $372 $1,336
2019 Honda Pilot $320 $452 $390 $1,320
2018 Honda Pilot $306 $448 $398 $1,310
2017 Honda Pilot $296 $436 $416 $1,306
2016 Honda Pilot $286 $418 $430 $1,292
2015 Honda Pilot $270 $404 $442 $1,274
2014 Honda Pilot $260 $374 $452 $1,244
2013 Honda Pilot $250 $352 $456 $1,216
2012 Honda Pilot $240 $316 $460 $1,174
2011 Honda Pilot $224 $292 $460 $1,134
2010 Honda Pilot $216 $272 $464 $1,110
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Driver Age

Driver age can have a significant effect on Honda Pilot car insurance rates. For example, 30-year-old drivers pay $59 more for Honda Pilot car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Pilot insurance rates. For example, drivers in New York may pay $815 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on your Honda Pilot auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Honda Pilot car insurance with violations on their driving record.

Honda Pilot Safety Ratings

Your Honda Pilot auto insurance rates are tied to the Honda Pilot’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Acceptable
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Honda Pilot Crash Test Ratings

Honda Pilot crash test ratings will affect your Honda Pilot car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 Honda Pilot SUV FWD 5 stars 4 stars 5 stars 4 stars
2019 Honda Pilot SUV AWD 5 stars 4 stars 5 stars 4 stars
2018 Honda Pilot SUV FWD 5 stars 4 stars 5 stars 4 stars
2018 Honda Pilot SUV AWD 5 stars 4 stars 5 stars 4 stars
2017 Honda Pilot SUV FWD 5 stars 4 stars 5 stars 4 stars
2017 Honda Pilot SUV AWD 5 stars 4 stars 5 stars 4 stars
2016 Honda Pilot SUV FWD 5 stars 4 stars 5 stars 4 stars
2016 Honda Pilot SUV AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Pilot Safety Features

The more safety features you have on your Honda Pilot, the more likely it is that you can earn a discount. The Honda Pilot’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Honda Pilot Insurance Loss Probability

The lower percentage means lower Honda Pilot auto insurance rates; higher percentages mean higher Honda Pilot car insurance rates. The Honda Pilot’s insurance loss probability varies for each form of coverage.

Insurance Coverage Category Loss Rate
Collision -30%
Property Damage -4%
Comprehensive -31%
Personal Injury -18%
Medical Payment -18%
Bodily Injury -14%
Source: Insurance Institute for Highway Safety
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Honda Pilot Finance and Insurance Cost

If you are financing a Honda Pilot, you will pay more if you purchase Honda Pilot auto insurance at the dealership, so be sure to shop around and compare Honda Pilot auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Honda Pilot Insurance

Although it may seem like your Honda Pilot car insurance rates are set, there are a few measures that you can take to secure the best Honda Pilot car insurance rates possible. Take a look at the following five ways to save on Honda Pilot auto insurance.

  • Install an Aftermarket Anti-Theft Device for Your Honda Pilot
  • Audit Your Honda Pilot Driving When You Move to a New Location or Start a New Job
  • Ask About Farm and Ranch Vehicle Discounts
  • Watch Your Insurer Closely When Your Honda Pilot Needs Repairs
  • Drive Your Honda Pilot Safely

Top Honda Pilot Insurance Companies

The best auto insurance companies for Honda Pilot car insurance rates will offer competitive rates, discounts, and account for the Honda Pilot’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Honda Pilot Insurance Quotes Online

Start comparing Honda Pilot car insurance quotes for free by using our convenient online comparison tool.
The Honda Pilot can be a very rewarding vehicle to drive. Beyond the cost of purchasing and fueling your SUV, there are many other ownership costs. Car insurance is one of those extra costs and the amount you will have to pay can vary greatly.

The best thing a person can do is shop around comparing quotes from as many different insurance providers as possible. While you can’t know what you will have to pay until you get a quote, there are some factors that can give you a general idea.

Read on to learn all about Honda Pilot auto insurance costs and then enter your ZIP code in above for a FREE car insurance comparison!

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Safety Features on a Honda Pilot

  1. Electronic Stability Control
  2. Four-Wheel Anti-Lock Brakes
  3. Airbags (Head, Front, Side)
  4. Rear Head Restraint
  5. Seat Belt Tensioner
  6. Traction Control
  7. Dynamic Head Restraint
  8. Daytime Running Lights

The overall safety of a vehicle is considered by auto insurance companies when they are deciding what price to offer you for insurance.

Each of the safety features listed above is considered average or above average in terms of preventing collisions and protecting occupants during a collision.

In general, the more safety features a vehicle has, the more discounts a person will qualify for when looking to get Honda Pilot car insurance costs to be as low as possible.

Remember that you will have to take note of all the safety features your specific vehicle has and mention them to the different insurance companies.

Honda Pilot Performance in Crash Tests

Government crash tests are meant to provide an indication of how well a specific vehicle protects its occupants during different types of collisions. For frontal impact tests, the Pilot scored a perfect five-stars for both the driver and front passenger.

Side impact tests also received a perfect score of five-stars for both front and rear occupants of the vehicle. These results will help the Pilot’s car insurance costs reasonable.

Honda Pilot Car Insurance Rates

There are many different factors and each company has their own criteria and weight that they place on each aspect they consider. Your credit score and driving history are weighed almost as much as the actual safety of the vehicle.

Insurance companies with statisticians have found that people with lower credit scores are more likely to have an accident, therefore they charge them more. That is just another reason why protecting your credit is very important.

Being a safe driver can pay off as well.

Most companies have incentives or immediate deductions for those who haven’t been in an accident for a set number of years.

Moving traffic violations like speeding and failure to yield can also result in your paying more for Honda Pilot auto insurance.

Each company will view different aspects of your driving record differently which is why it is necessary to shop around comparing as many different companies quotes as possible.

With a little bit of diligence there is no reason that you shouldn’t be able to get a great rate when insuring your Honda Pilot.

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How does the state in which I live affect my car insurance rates?

The amount that you pay for car insurance each month greatly depends on the state in which you live.

Each state handles car insurance differently, so someone could have very low car insurance in one state and very high rates in another, even if they are driving the same car in the same way.

Some states also require certain types of car insurance coverage. One of these coverage options that is required in some states is personal injury protection insurance.

If you live in a state that requires this kind of coverage, your rates would be higher than in a state that does not.

Honda Pilot Car Insurance Quotes

Simply enter your ZIP below to get started comparing FREE Honda Pilot auto insurance rate quotes online!

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