Honda Pilot Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Honda Pilot costs less than most other SUVs to insure.

• Full coverage car insurance for a Pilot comes in at about $141 per month, on average, while liability only insurance usually averages around $88.

• Aspire is the most affordable auto insurance carrier for a Pilot with a national average of just $33 a month for liability only coverage.

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Pilot Overview

The Honda Pilot is a great budget-friendly SUV for drivers of all types, with base prices starting at just $32,250 for new 2021 models. There are seven different trim levels currently offered, so there's a style for every driver.

Based on thousands of insurance quotes from Compare.com, we've determined that, on average, Honda Pilot auto insurance rates run about $145 per month. But how does that fare against its competitors?

How Much is Car Insurance for a Honda Pilot?

Based on the table above, Honda Pilot insurance prices are less expensive than average. On average, Pilot drivers can expect to pay around $141 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $88 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference).

Compared to other models, the Pilot is more affordable, with premiums about 15% lower than Honda's other vehicle offerings. But Pilot coverage runs close to average when compared to other vehicles of a similar body style, with liability insurance prices coming in at $7 higher than other SUVs and full coverage insurance premiums at $11 cheaper.

Compared to all vehicles, regardless of make, model, or body style, liability only rates are more expensive for the Pilot, but a full coverage policy is on the less expensive side.

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Who has the Cheapest Car Insurance for a Honda Pilot?

Looking for an auto insurance policy for your Honda Pilot? You might want to know which company offers the most affordable rates. Even though there will never be one carrier that has the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $17 a month from ACG. With car insurance sometimes as cheap as $33 a month, Aspire is the next lowest car insurance company.

CaliforniaCasualty, Fiesta, and Hugo round out the end of the top 5 list. That being said, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since insurance carriers look at many different things when calculating rates. The only way to guarantee you find the cheapest rates is to compare quotes from a wide array of car insurance companies.

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What Factors Affect Car Insurance Rates for a Honda Pilot?

There are multiple factors that insurance carriers examine to calculate how much to charge you -- and every carrier weighs certain pieces more than others, so there's not just one company that's the most affordable for each Pilot owner.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Honda Pilot has been around for a while -- that means vehicle age can play a role in what you end up paying for auto insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Pilots begin to depreciate, insurance costs will gradually decrease.

As you can see in the table above, the Honda Pilot bucks the trend, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive Pilots are 15 years old or more.

Your Age

How old you are plays a significant role in how much you pay for insurance. Based on the information in the table above, older drivers pay less compared to younger drivers. Honda Pilot drivers who are 18 to 24 actually pay $47 more than those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group being 65 years and older for Pilot drivers.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. When it comes to Pilot drivers specifically, men pay around $14 more than women per month for auto insurance.

Where You Live

You may think it's obvious that factors like how old you are and what vehicle you drive play a role in your car insurance premiums, but did you know that where you live is just as important? Since auto insurance is regulated on the state level and not nationally, prices fluctuate quite a bit depending on which state you call home.

For example, the average Honda Pilot driver from New York pays about $198 monthly for liability coverage. Meanwhile, on average, the same owner from California will pay less than a third of that price. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Honda Pilot Car Insurance Discounts

Whatever your home state, your age, or your car, using as many discounts as possible when it comes to your insurance is always in your best interest when shopping around for a policy.

Even though all car insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-vehicle discounts for adding more than one car to your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

These discounts are great, but some of the best ways to save are just by having a positive insurance profile and good driving history.

While you can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), there is quite bit in your control. Below are just a few of the variables you can use to your favor when it comes to cost savings:

Your Driving Record

You've almost certainly observed ads from car insurance carriers offering hefty discounts for responsible drivers. And you probably wouldn't be surprised that if you get into a collision or get speeding tickets, insurance rates will go up. But you're probably wondering exactly how much these infractions will cost you.

Looking at the table above, you'll see that accidents will usually cost Pilot drivers more than tickets, but both will result in higher than normal rates. Honda Pilot drivers with one ticket will pay an average of $99 per month, while drivers with a single accident on their record pay about $102 each month (up $14 from the $88/mo. overall average). The rates only increase the more tickets you get or accidents you have.

How Much You Drive

Another variable you have control over is the total amount of miles you drive annually. Drivers who are on the roads less are more likely to go accident-free, so they'll typically be offered more affordable premiums. Based on the table above, you can see that Honda Pilot owners who drive 10,000 miles or more pay $88 for auto insurance, while those who drive fewer than 2,500 miles per year pay about $86 monthly.

But if you're one of those drivers who don't put very many miles on your Honda Pilot each year, you might consider choosing a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Honda Pilots Compare to Other Vehicles?

If you're considering buying a new vehicle and a Honda Pilot is on your shortlist, it can pay off to do your due diligence. Car insurance is just one cost that's associated with buying a new car, but it's guaranteed to be one that's worth thinking about carefully.

Review the table below to see how the Honda Pilot compares:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Honda Pilot is a great value for any budget. While the average vehicle price in the U.S. is $46,223, the Pilot comes in at just $32,250.

Although the Pilot's price is on the low end of the spectrum, car insurance prices are higher when compared to other vehicles on the market. Full coverage insurance for a Honda Pilot is around $24 per month more than average, while liability only coverage is $17 higher a month.

When it comes to usage, Honda Pilot drivers are much higher than the national average in annual miles driven, with 13,286 miles every year compared to 11,673 for all vehicles.

Honda Pilot Car Insurance Costs by Model Year

We've gone over many of the things that can have an impact on what you'll pay for insurance. If you're considering buying a new Pilot, knowing what you'll likely pay for the specific car you're looking at can be extremely valuable as you weigh your options.

That's why we've crunched the numbers and broken down Honda Pilot car insurance premiums by model year. Choose a specific Pilot model year in the dropdown below and see average rates for both liability only and full coverage. We've also included some other helpful info that might help you make a decision, such as available trims, base price, and even the cheapest insurance carrier for each year the Pilot has been around.

Choose Your Model

2021 Honda Pilot Car Insurance 2020 Honda Pilot Car Insurance 2019 Honda Pilot Car Insurance 2018 Honda Pilot Car Insurance 2017 Honda Pilot Car Insurance 2016 Honda Pilot Car Insurance 2015 Honda Pilot Car Insurance 2014 Honda Pilot Car Insurance 2013 Honda Pilot Car Insurance 2012 Honda Pilot Car Insurance 2011 Honda Pilot Car Insurance 2010 Honda Pilot Car Insurance

2021 Honda Pilot Car Insurance

If you're searching for a brand new Honda Pilot, you've got options. With a base MSRP of $32,250, the 2021 Pilot is offered in seven different trim levels, which means you'll have your pick of an array of styles.

When it comes to auto insurance, it costs about $98 monthly, on average, to insure a 2021 Honda Pilot for liability only and $193 a month for full coverage. And if you want the lowest insurance possible, Shelter Mutual offers liability only policies for as cheap as just $28 per month.

While it's helpful to know how much the average driver pays for insurance, a personalized quote is the only way to find out exactly how much you'll pay. Luckily, with Compare.com you can get quotes from a variety of companies at once, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Honda Pilot Car Insurance

If you're looking to buy a 2020 Pilot or already own one, you can expect an average car insurance premium of around $206 for full coverage or $107 for a liability only policy.

And if you're just looking for the most affordable insurance for your Pilot, Liberty Mutual offers liability only policies for as low as $22 a month.

Want to find the lowest rates? Enter your ZIP code below to get several free customized quotes.

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2019 Honda Pilot Car Insurance

You can expect full coverage for a 2019 Pilot to run about $169 monthly, while liability only coverage will average around $102 per month.

With rates as cheap as $29 a month, Verti offered the cheapest policy we found for the 2019 Honda Pilot.

While these are good estimates of what the average driver might pay to insure a 2019 Honda Pilot, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Honda Pilot Car Insurance

The average cost to insure a 2018 Honda Pilot with liability only coverage is $79 per month, while full coverage runs about $154 monthly.

DirectGeneral offered the most affordable policy we found, with rates as little as just $26 a month.

If you want to know exactly how much you can expect to pay for your Pilot, just enter your ZIP code below and get several free quotes in minutes.

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2017 Honda Pilot Car Insurance

It costs around $91 monthly for liability or $148 for a full coverage policy for the 2017 Pilot.

Looking for the cheapest policy? Sun Coast offered liability only coverage for as low as just $23 per month.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2017 Honda Pilot, you can get free quotes in minutes by just entering your ZIP code below.

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2016 Honda Pilot Car Insurance

2016 Honda Pilot drivers can expect to pay an average of $91 monthly for liability or $141 for full coverage.

We found ACG offered the lowest policy, with rates as little as $17 per month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2015 Honda Pilot Car Insurance

On average, drivers who own a 2015 Pilot can expect to pay $73 to $123 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2015 Honda Pilot insurance policy, Mapfre offered the cheapest policy we found, with rates sometimes as little as $20 per month.

Want to find the best rates? Just enter your ZIP code below to get multiple free customized quotes.

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2014 Honda Pilot Car Insurance

The average cost to insure a 2014 Honda Pilot with liability only coverage is $104 monthly, while full coverage runs about $135 a month.

With rates sometimes as low as $23 monthly, Elephant offered the lowest policy we found.

If you want to find the best prices for auto insurance for a 2014 Honda Pilot, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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2013 Honda Pilot Car Insurance

It costs around $76 a month for liability or $132 for a full coverage policy for the 2013 Pilot.

Hugo has rates as low as $21 per month for the 2013 Honda Pilot.

What will your car insurance rate be? Get lots of personalized quotes for free by just entering your ZIP code below.

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2012 Honda Pilot Car Insurance

You can expect full coverage for a 2012 Honda Pilot to run about $133 monthly, while liability only coverage will average around $88 per month.

If you're looking for the most affordable 2012 Honda Pilot insurance policy, Liberty Mutual offered the most affordable policy we found, with rates sometimes as little as $17 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2011 Honda Pilot Car Insurance

On average, drivers who own a 2011 Pilot can expect to pay $82 to $137 per month for liability only and full coverage insurance, respectively.

We found StateAuto offered the lowest policy, with rates as little as just $22 a month.

Interested in just how much you'll pay? Enter your ZIP code below to get a variety of customized quotes for free.

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2010 Honda Pilot Car Insurance

2010 Honda Pilot drivers can expect to pay an average of $87 monthly for liability or $140 for full coverage.

Good2Go has premiums as little as $220/mo a month for the 2010 Honda Pilot.

While these are good estimates of what the average driver might pay to insure a 2010 Honda Pilot, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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Honda Pilot Insurance FAQs

Is a Honda Pilot expensive to insure?

Liability insurance runs an average of $88 per month, while full coverage will cost you around $141. It costs less to insure a Honda Pilot when compared to the average SUV.

How can I get the best price on car insurance for my Honda Pilot?

There's only one way to ensure you're getting the cheapest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Honda Pilot affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. There are lots of variables car insurance companies use when they calculate how much you'll pay, but your Honda Pilot's color is not factored into that decision.

Do I need to have insurance before I buy a Honda Pilot?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to let your car insurance company know ahead of time.

What car insurance discounts can I get for my Honda Pilot?

You will find a range of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your Pilot has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, talk with your insurance agent and ask about their list of discounts.