Honda Pilot Insurance

How Much Should You Be Paying for Honda Pilot Insurance?

Finding the right coverage easily and affordably

Honda Pilot

If you are looking for a three-row SUV that offers modern safety features, plenty of room for large families, and surprising efficiency, the Honda Pilot is probably at the top of your list.  You'll also want adequate car insurance to go along with your new car. 

An independent insurance agent can help you find the best policy for your vehicle, but first find out what determines insurance costs for the Honda Pilot.

What Is the Best Insurance for a Honda Pilot?

All states require that drivers carry minimum liability limits in order to legally drive on public roads, but those requirements differ. In addition to what's required are a variety of recommended insurance coverages based on your needs. Your insurance agent can help you determine the best insurance options for you.

Bodily injury liability: If you're in a car accident and you're at fault, you'll be responsible for any injuries that other drivers, passengers, or pedestrians sustain. Fortunately, bodily injury liability insurance is there to pay for any costs associated with a third-party injury.

Property damage liability: If you're in an accident with someone else's vehicle, building, or home, then a property damage liability policy will help repair or replace any damaged property. 

Medical payments/Personal injury protection: In no-fault states, you can purchase personal injury protection (PIP) which helps pay for personal medical bills that result from an accident. Not only will PIP insurance cover you, but it would also cover any injured passengers that were in your vehicle. It will cover things like ambulances, doctor visits, medication, funeral expenses, and other related costs. In other states, medical payments insurance will be available.

Uninsured motorist coverage: 13% of drivers are on the road without insurance. If you happen to get in an accident with someone who has limited or no insurance, uninsured motorist coverage is there to protect you.

Optional coverage options to consider

Collision coverage: In the unfortunate event that you're in an accident with another vehicle or object, collision insurance will help you pay for repairs or the replacement of your Honda Pilot. 

Comprehensive coverage: Comprehensive insurance covers all events that are not covered by collision insurance. This includes things like natural disasters, falling tree branches, vandalism, theft, and a variety of other covered events. 

Glass coverage: If you're pulled over for driving with a broken windshield, you'll get a ticket and you'll still have the cost of the windshield replacement to pay.  Glass coverage is a zero-deductible add-on that pays to repair and replace the glass on your Honda Pilot.

Gap insurance: Oftentimes an accident will result in your insurance declaring your vehicle a total loss. This means the damage incurred is so expensive that it's not worth the company spending the money to fix it because the total value of your car is not much higher than the damage. This "gap" between what your insurance pays you out in a total loss and what you owe on a car loan or lease can be bridged by gap insurance.

What Factors Affect the Cost of Insurance for Your Honda Pilot?

Annual mileage: Your annual mileage is a contributing factor to the cost of car insurance. If you drive frequently with long commutes to and from work you can expect to pay a higher insurance premium. 

Your driving history: Insurance likes good drivers, so a clean driving record can result in lower premiums. Most violations will fall off your record in due time and your insurance agent can help you understand when that might happen. 

The value of your vehicle: With any car model, a newer vehicle will run you more than an older year model. Just like adding all the available bells and whistles will increase your car price than getting the base trim model. As the value of your vehicle decreases, so do the average insurance premiums. As a result, insuring a vehicle that's a few years old could mean you'll pay premiums that are a bit lower. 

Honda model yearTotal car costInsurance premium
2020 Honda Pilot$28,450 - $43,150$1,336
2019 Honda Pilot$25,500 - $38,375$1,320
2018 Honda Pilot$23,600 - $34,525$1,310
2017 Honda Pilot$21,325 - $31,050$1,306
2016 Honda Pilot$17,850 - $26,400$1,292

How safe is your car? 

The Honda Pilot follows suit for Honda's reputation of producing top-rated vehicles when it comes to safety. Multiple Honda Pilot trim models have received the Top Safety Pick+ award and have received top rankings from The National Highway Traffic Safety Administration (NHTSA) and The Insurance Institute for Highway Safety (IIHS). 

The NHTSA gave the 2020 Honda Pilot five-out-of-five in overall crash tests and four-out-of-five for rollover crash tests in the 2wd and 4wd models. The Insurance Institute for Highway Safety (IIHS) gave the vehicle a "good" rating five out of six crash and rollover tests which is the institute's highest designation. 

Where you and your car live

If you live somewhere that requires a big commute or heavy traffic or in a densely populated area, you could be looking at higher insurance premiums. The busier the road is that you're driving on the greater risk of an accident and your insurance has to account for that risk. 

The location has a large impact on car insurance. For example, drivers in Columbus may pay $993 a year less than drivers in New York City.

Additional factors that affect your Honda Pilot insurance premiums

In addition to the above factors, the following will also be taken into consideration when setting your car insurance premium.

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

What Is the Average Cost to Insure a Honda Pilot?

Average annual cost to insure a Honda Pilot $1,336
Teens$4,852
High-risk drivers$2,844
High deductibles$1,150
Low deductibles$1,684

Which states are most affordable and least affordable for car insurance? 

Estimated annual Honda Pilot insurance premiums in the United States:

Most expensive states
Florida$1,670
Rhode Island$1,782
Kentucky$1,822
Louisiana$1,976
Michigan$2,320
Most affordable states
North Carolina$768
Virginia$802
Maine$824
Iowa$902
Idaho$904

Top Insurance Carriers That Insure the Honda Pilot

According to a recent US Independent Insurance Agent Satisfaction Study by J.D. Power, the following companies provide excellent service to their insurance customers: 

  1. Auto-Owners Insurance
  2. Geico
  3. Shelter
  4. Progressive
  5. State Farm

Where to Find Car Insurance for Your Honda Pilot

Once you decide to purchase a Honda Pilot, it's time to find the right car insurance for your new SUV. Knowledgeable, independent insurance agents are always available to answer any questions you may have about insuring this particular vehicle. 

These experienced agents can assist you in comparing a variety of quotes from a number of different insurance companies, enabling you to pick the best policy at the most affordable rates. Contact a TrustedChoice.com agent today to find out more.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn