Honda Pilot Car Insurance Cost 2025
On average, getting insurance for a Honda Pilot costs $403 per year. However, the exact cost can vary depending on factors such as your age, the year of the car model, your location, and your driving history. To get a more accurate estimate, you can use our quote tables below, which take these factors into account to provide a personalized quote.
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If you’re thinking about buying a Honda Pilot, it’s essential to factor in the cost of insurance. On average, insurance for a Honda Pilot costs $403 per year. Insurance is a crucial aspect of owning a car, and it’s important to understand its implications before making a purchase.
Failing to choose the right car insurance policy can result in unexpected and potentially expensive consequences in the future. You don’t want to be underinsured when an accident happens, leaving you with substantial out-of-pocket expenses. Additionally, there’s the possibility of premium increases if you’re found at fault.
With over ten years of experience analyzing car insurance rates, I’ve observed how much these costs can vary. Factors such as your age, driving history, and even your location can significantly impact your insurance premiums.
How Much Does Honda Pilot Car Insurance Cost?
Typically, Honda Pilot drivers can expect to find car insurance at an average rate of $403 per year. However, keep in mind that your premium could be higher or lower depending on various factors like your age, driving history, and the specific coverage you choose.
It’s essential to understand that the cost of car insurance can differ significantly depending on several factors. These include your location, driving history, car model year, and the coverage options you select. Drivers with a clean record typically enjoy lower premiums, while those with accidents or traffic violations may face higher rates.
For example, drivers in urban areas with heavy traffic tend to pay more for insurance, while those in rural areas with less congestion may benefit from lower rates. Additionally, the type of coverage you choose affects your premium—comprehensive insurance, which covers both comprehensive and collision, is generally more expensive than minimum liability coverage.
As shown in the table, the insurance cost for a Honda Pilot is lower than the average for all Honda models, but it is still higher than the overall average for all cars. You can compare quotes from various providers on Insuranceopedia to find the most affordable option that suits your needs.
| Vehicle | Average Monthly Premium |
| Honda Pilot | $142 |
| All Honda | $165 |
| All Cars | $175 |
Average Insurance Cost Of Honda Pilot By Model Year
| Model Year | Average Premium |
| 2024 Honda Pilot | $1,318 |
| 2023 Honda Pilot | $1,200 |
| 2022 Honda Pilot | $716 |
| 2021 Honda Pilot | $741 |
| 2020 Honda Pilot | $866 |
| 2019 Honda Pilot | $696 |
| 2018 Honda Pilot | $822 |
| 2017 Honda Pilot | $506 |
| 2016 Honda Pilot | $675 |
| 2015 Honda Pilot | $507 |
| 2014 Honda Pilot | $598 |
| 2013 Honda Pilot | $542 |
| 2012 Honda Pilot | $423 |
| 2011 Honda Pilot | $545 |
| 2010 Honda Pilot | $495 |
2024 Honda Pilot Insurance Rates
The average annual insurance cost for a 2024 Honda Pilot Car is $1,318. However, Safeco offers the cheapest rates, averaging $403 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,281 |
| 21st Century | $1,518 |
| Kemper Auto | Infinity | $661 |
| USAA | $1,337 |
| Grange | $1,890 |
| Texas Farm Bureau Group | $919 |
| Travelers | $1,660 |
| Auto Club | $1,816 |
| Safeco | $403 |
| Unitrin | $1,697 |
2023 Honda Pilot Insurance Rates
The average annual insurance cost for a 2023 Honda Pilot Car is $1,318. However, SafeAuto offers the cheapest rates, averaging $579 per year.
| Insurance Provider | Average Annual Cost |
| Direct Auto | $887 |
| New Jersey Manufacturers | $1,708 |
| Kemper Auto | Infinity | $1,376 |
| New York Central Mutual Fire | $615 |
| USAA | $1,512 |
| 21st Century | $1,599 |
| SafeAuto | $579 |
| Plymouth Rock | $720 |
| Mercury | $1,646 |
| Plymouth Rock Assurance | $1,357 |
2022 Honda Pilot Insurance Rates
The average annual insurance cost for a 2022 Honda Pilot Car is $716. However, AssuranceAmerica offers the cheapest rates, averaging $214 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $265 |
| American National P | $381 |
| Mercury Insurance | $1,012 |
| Safeco | $495 |
| Utica National Ins Group | $1,073 |
| PEMCO | $933 |
| Wolverine Mutual | $992 |
| Titan | $1,138 |
| SafeAuto | $654 |
| AssuranceAmerica | $214 |
2021 Honda Pilot Insurance Rates
The average annual insurance cost for a 2021 Honda Pilot Car is $716. However, American National P offers the cheapest rates, averaging $334 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $857 |
| American National P | $334 |
| PEMCO | $891 |
| Safeco | $396 |
| Mississippi Farm Bureau | $969 |
| National General Value | $826 |
| Mercury Insurance | $768 |
| NatGen Advantage | $578 |
| Victoria | $903 |
| Tennessee Farmers | $888 |
2020 Honda Pilot Insurance Rates
The average annual insurance cost for a 2020 Honda Pilot Car is $866. However, Mercury Insurance offers the cheapest rates, averaging $250 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $1,044 |
| Pekin Insurance | $975 |
| SafeAuto | $553 |
| Atlantic States Insurance | $1,071 |
| North Carolina Farm Bureau | $1,048 |
| Mercury Insurance | $250 |
| Kemper Auto | Infinity | $803 |
| Rockford Mutual Insurance | $1,131 |
| PEMCO | $991 |
| Safeco | $791 |
2019 Honda Pilot Insurance Rates
The average annual insurance cost for a 2019 Honda Pilot Car is $696. However, Safeco offers the cheapest rates, averaging $492 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $735 |
| Safeco | $492 |
| Mercury Insurance | $631 |
| MMG Insurance Company | $696 |
| Texas Farm Bureau Group | $888 |
| Concord Group | $829 |
| Wolverine Mutual | $855 |
| American National P | $409 |
| Buckeye Insurance Group | $782 |
| Rural Mutual Insurance | $642 |
2018 Honda Pilot Insurance Rates
The average annual insurance cost for a 2018 Honda Pilot Car is $822. However, Safeco offers the cheapest rates, averaging $492 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,058 |
| Rural Mutual Insurance | $752 |
| Pekin Insurance | $1,047 |
| PEMCO | $947 |
| Mercury Insurance | $290 |
| West Bend Mutual | $964 |
| Safeco | $79 |
| Rockford Mutual Insurance | $1,063 |
| Plymouth Rock Assurance | $933 |
| North Carolina Farm Bureau | $1,087 |
2017 Honda Pilot Insurance Rates
The average annual insurance cost for a 2017 Honda Pilot Car is $822. However, Kemper Personal Insurance offers the cheapest rates, averaging $285 per year.
| Insurance Provider | Average Annual Cost |
| Infinity Special | $336 |
| Buckeye Insurance Group | $470 |
| Kemper Auto | $854 |
| Dairyland | $406 |
| American National P | $407 |
| Mercury Insurance | $554 |
| Bear River | $754 |
| Safeco | $326 |
| Kemper Personal Insurance | $285 |
| SafeAuto | $665 |
Find Affordable Honda Pilot Insurance Rates
2016 Honda Pilot Insurance Rates
The average annual insurance cost for a 2016 Honda Pilot Car is $675. However, Safeco offers the cheapest rates, averaging $209 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $821 |
| PEMCO | $876 |
| American National P | $591 |
| Kemper Personal Insurance | $378 |
| Buckeye Insurance Group | $659 |
| Mercury Insurance | $793 |
| SECURA Insurance | $1,003 |
| Safeco | $209 |
| National General RAD | $510 |
| Ohio Mutual Ins Group | $912 |
2015 Honda Pilot Insurance Rates
The average annual insurance cost for a 2015 Honda Pilot Car is $675. However, National General Value offers the cheapest rates, averaging $167 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $288 |
| Mercury Insurance | $284 |
| North Carolina Farm Bureau | $794 |
| Mercury Insurance Company | $424 |
| Concord Group | $563 |
| Patriot Group | $754 |
| National General Value | $167 |
| MMG Insurance Company | $759 |
| American National P | $457 |
| Buckeye Insurance Group | $576 |
2014 Honda Pilot Insurance Rates
The average annual insurance cost for a 2014 Honda Pilot Car is $598. However, Safeco offers the cheapest rates, averaging $163 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $718 |
| National General Value | $579 |
| First Chicago Insurance | $822 |
| American National P | $373 |
| Buckeye Insurance Group | $518 |
| Safety Group | $762 |
| Ohio Mutual Ins Group | $675 |
| Atlantic States Insurance | $684 |
| Safeco | $163 |
| North Carolina Farm Bureau | $687 |
2013 Honda Pilot Insurance Rates
The average annual insurance cost for a 2013 Honda Pilot Car is $542. However, Safeco offers the cheapest rates, averaging $48 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $675 |
| Indiana Farmers Mutual Ins | $711 |
| Buckeye Insurance Group | $555 |
| Pekin Insurance | $787 |
| Safeco | $48 |
| Mercury Insurance | $104 |
| SECURA Insurance | $756 |
| Utica National Ins Group | $606 |
| American National P | $384 |
| Farmers Mutual of Nebraska | $796 |
2012 Honda Pilot Insurance Rates
The average annual insurance cost for a 2012 Honda Pilot Car is $423. However, Safeco offers the cheapest rates, averaging $144 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $537 |
| Safeco | $144 |
| Mercury Insurance | $480 |
| North Carolina Farm Bureau | $608 |
| Concord Group | $506 |
| AssuranceAmerica Mobile Max | $107 |
| NatGen Custom 360 | $211 |
| Dairyland Broadform | $426 |
| Patriot Group | $576 |
| Kemper Auto | Infinity | $631 |
2011 Honda Pilot Insurance Rates
The average annual insurance cost for a 2011 Honda Pilot Car is $545. However, Safeco offers the cheapest rates, averaging $144 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $624 |
| Buckeye Insurance Group | $614 |
| SECURA Insurance | $787 |
| North Carolina Farm Bureau | $624 |
| Kemper Personal Insurance | $232 |
| Safeco | $107 |
| Farmers Mutual of Nebraska | $819 |
| Capital Insurance Group | $705 |
| Mercury Insurance | $213 |
| IMT Insurance Company | $728 |
2010 Honda Pilot Insurance Rates
The average annual insurance cost for a 2010 Honda Pilot Car is $495. However, Kemper Personal Insurance offers the cheapest rates, averaging $128 per year.
| Insurance Provider | Average Annual Cost |
| Aspire Savings Roadside | $298 |
| MMG Insurance Company | $682 |
| American National P | $408 |
| Safeco | $408 |
| Mercury Insurance | $550 |
| Jupiter Auto Insurance | $691 |
| SECURA Insurance | $550 |
| IMT Insurance Company | $688 |
| Kemper Personal Insurance | $128 |
| Concord Group | $542 |
Find Affordable Honda Pilot Insurance Rates
Is A Honda Pilot Expensive To Insure?
It’s essential to understand that the cost of car insurance can differ significantly depending on several factors. These include your location, driving history, car model year, and the coverage options you select. Drivers with a clean record typically enjoy lower premiums, while those with accidents or traffic violations may face higher rates.
For example, drivers in urban areas with heavy traffic tend to pay more for insurance, while those in rural areas with less congestion may benefit from lower rates. Additionally, the type of coverage you choose affects your premium—comprehensive insurance, which covers both comprehensive and collision, is generally more expensive than minimum liability coverage.
As shown in the table, the insurance cost for a Honda Pilot is lower than the average for all Honda models, but it is still higher than the overall average for all cars. You can compare quotes from various providers on Insuranceopedia to find the most affordable option that suits your needs.
Cost of Honda Pilot Car Insurance By Age
Age is indeed a major factor in determining car insurance premiums. Teenagers and young drivers generally face the highest rates because they are statistically more likely to be involved in accidents. As you age and gain more driving experience, insurance companies tend to lower your premiums, recognizing you as a lower risk. This is why drivers in their 30s and 40s typically see more affordable rates than younger drivers, and premiums tend to decrease even further as you get into your 50s and beyond.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,955 | $10,216 | $11,963 |
| 18 | $6,553 | $9,504 | $11,208 |
| 19 | $5,790 | $8,406 | $9,926 |
| 20 | $5,063 | $7,341 | $8,585 |
| 21 | $4,225 | $6,196 | $7,205 |
| 22 | $4,089 | $6,025 | $7,009 |
| 23 | $3,572 | $5,229 | $6,155 |
| 24 | $3,377 | $4,976 | $5,822 |
| 25 | $2,929 | $4,336 | $4,996 |
| 30 | $2,285 | $3,369 | $3,964 |
| 35 | $2,192 | $3,173 | $3,666 |
| 40 | $2,015 | $2,996 | $3,550 |
| 45 | $2,007 | $2,982 | $3,414 |
| 55 | $1,864 | $2,721 | $3,154 |
| 65 | $1,966 | $2,805 | $3,284 |
| 75 | $2,380 | $3,573 | $4,149 |
Honda Pilot Car Insurance Rates By State
You’re absolutely right! The location where you live can significantly impact your car insurance premiums. For example, states like Michigan have higher rates due to state-mandated coverage requirements. Moreover, areas with harsh weather conditions like hurricanes, floods, or snowstorms may face higher premiums due to the increased risk of vehicle damage.
In addition to weather, areas with higher crime rates or frequent car accidents can also see higher premiums. Insurance companies assess the risk based on local factors like car theft rates, accident frequency, and even local road conditions. Urban areas with heavy traffic are typically more expensive to insure than rural areas, where traffic and accident rates tend to be lower. These regional variations are key considerations when determining insurance costs for your Honda Pilot.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,181 | $3,139 | $4,017 |
| Alaska | $1,811 | $2,473 | $2,430 |
| Arizona | $2,071 | $2,938 | $4,333 |
| Arkansas | $2,278 | $3,480 | $3,825 |
| California | $2,502 | $4,378 | $2,444 |
| Colorado | $2,278 | $3,265 | $4,101 |
| Connecticut | $2,945 | $4,588 | $5,810 |
| Delaware | $2,504 | $3,246 | $4,181 |
| Florida | $2,956 | $4,014 | $5,297 |
| Georgia | $2,349 | $3,601 | $3,635 |
| Hawaii | $926 | $1,323 | $916 |
| Idaho | $1,705 | $2,186 | $2,639 |
| Illinois | $1,695 | $2,639 | $2,942 |
| Indiana | $1,826 | $2,746 | $3,068 |
| Iowa | $1,432 | $1,976 | $2,325 |
| Kansas | $1,851 | $2,746 | $3,237 |
| Kentucky | $2,725 | $4,010 | $4,687 |
| Louisiana | $3,489 | $5,287 | $5,735 |
| Maine | $1,353 | $1,844 | $2,657 |
| Maryland | $2,087 | $3,114 | $3,438 |
| Massachusetts | $1,664 | $2,944 | $1,679 |
| Michigan | $4,093 | $6,272 | $9,897 |
| Minnesota | $1,747 | $2,248 | $3,215 |
| Mississippi | $2,005 | $2,899 | $2,992 |
| Missouri | $1,920 | $2,745 | $3,622 |
| Montana | $1,972 | $2,780 | $3,226 |
| Nebraska | $1,660 | $2,426 | $2,702 |
| Nevada | $2,781 | $4,071 | $4,342 |
| New Hampshire | $1,953 | $3,054 | $3,851 |
| New Jersey | $2,145 | $3,259 | $4,276 |
| New Mexico | $2,139 | $3,164 | $3,279 |
| New York | $1,972 | $2,496 | $4,204 |
| North Carolina | $1,205 | $2,081 | $1,534 |
| North Dakota | $1,676 | $2,525 | $3,049 |
| Ohio | $1,492 | $2,352 | $2,403 |
| Oklahoma | $2,431 | $3,437 | $3,907 |
| Oregon | $2,214 | $2,886 | $3,527 |
| Pennsylvania | $1,872 | $2,710 | $3,200 |
| Rhode Island | $3,046 | $4,472 | $5,091 |
| South Carolina | $2,085 | $2,899 | $3,993 |
| South Dakota | $1,890 | $2,730 | $3,124 |
| Tennessee | $2,239 | $3,225 | $4,266 |
| Texas | $2,234 | $3,243 | $3,993 |
| Utah | $1,878 | $2,630 | $3,679 |
| Vermont | $1,474 | $2,245 | $2,380 |
| Virginia | $1,338 | $2,133 | $2,106 |
| Washington | $1,804 | $2,447 | $2,922 |
| West Virginia | $1,815 | $2,581 | $3,312 |
| Wisconsin | $1,792 | $2,829 | $3,253 |
| Wyoming | $1,697 | $2,402 | $2,495 |
Find Affordable Honda Pilot Insurance Rates
Cheapest Car Insurance Companies For A Honda Pilot
If you’re aiming to find the most affordable car insurance for your Honda Pilot, ACG offers a low premium of $18 per month, making them one of the cheapest providers. However, it’s important to note that rates can vary significantly based on your individual driver profile, including factors such as your age, location, driving history, and the type of coverage you select.
To ensure you’re getting the best deal, it’s always a good idea to shop around and compare quotes from multiple insurance providers. This way, you can find the most competitive rates tailored to your specific needs.
| Company | Average Monthly Rate |
| Fiesta | $38 |
| Aspire | $34 |
| Hugo | $39 |
| CaliforniaCasualty | $35 |
| ACG | $18 |
Common Honda Pilot Insurance Discounts
Discounts can be a fantastic way to reduce your car insurance premiums. Many insurance providers offer a variety of discounts, and here are some common ones to look out for:
- Multi-policy discount: If you bundle your home and auto insurance with the same provider, you may be eligible for a discount.
- Pay annually: Paying your premium in a lump sum, rather than on a monthly basis, can often lead to a lower overall cost.
- Defensive driving: Completing a defensive driving course from a certified institution may make you eligible for a discount on your premiums.
In addition to these, some insurers offer discounts for good students, low-mileage drivers, or vehicles with certain safety features. It’s always a good idea to ask your insurance agent about other discounts that may be available to you.
Ways To Save On Honda Pilot Insurance Costs
Maintaining a clean driving record is one of the best ways to keep your Honda Pilot insurance costs down. If you have infractions like speeding tickets or accidents on your record, your insurance costs may increase. For example, drivers with a speeding ticket can expect to pay around $100 per month, while those with multiple accidents may see an average monthly rate of $180. Additionally, the number of miles you drive each year can impact your premium. Driving less means being on the road less often, which lowers the chances of getting into accidents and results in lower rates. For instance, drivers who travel between 7,501 and 10,000 miles per year pay about $89 per month, whereas those who drive over 10,000 miles per year pay around $87 per month. Keeping your record clean and reducing the miles you drive are great ways to save on your car insurance.
Compare Honda Pilot To Other Honda Models
Looking for other Honda model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, it's important to note that these figures are averages and your individual results may vary based on your specific profile and circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Honda Pilot?
Yes, you’ll need to provide proof of insurance before driving your Honda Pilot off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance company that you’re about to buy the car. This way, you’ll have everything in place before you pick up the vehicle, rather than relying on the dealership for insurance.
How Can You Get The Cheapest Insurance For Your Honda Pilot?
The best way to find the cheapest insurance rates for your Honda Pilot is by shopping around and comparing quotes from various auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website. This way, you can find the most affordable policy tailored to your needs.
