Compare the Cost of Honda Pilot Insurance by Model Year and Company

MoneyGeek found that the average annual cost of car insurance for a Honda Pilot is $1,133, which is inexpensive compared to the annual insurance cost average for all car models. However, rates vary depending on the car’s model year and the insurance provider.

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Last Updated: 10/31/2022
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When searching for the best Honda Pilot insurance quote, it’s wise to shop around. Honda Pilot insurance rates vary among insurance providers depending on your driving profile and your car’s year of manufacture. You can find the lowest rates by comparing quotes from different insurers.

Key Takeaways for Honda Pilot Insurance

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The average cost of insuring a Honda Pilot is $1,133 per year. That’s roughly $294 less than the average across all car models.

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Honda Pilot insurance costs vary by as much as $362 per year based on the insurance company you select.

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Insurance costs for a Honda Pilot may differ by as much as $213 depending on your car’s model year. Older models typically have lower rates.

How Much It Costs to Insure a Honda Pilot and the Cheapest Company

How much you pay to insure a Honda Pilot will depend on the insurance company you choose.

GEICO provides the cheapest insurance for the Honda Pilot model at an average cost of $997 per year. Allied is the most expensive insurer, priced at about $1,359 per year. This means that you can save as much as $362 annually if you choose the cheapest provider.

The Average Annual Cost of Honda Pilot Insurance by Company

MoneyGeek collected Honda Pilot insurance quotes from several insurance companies using a sample 40-year-old driver with a 100/300/100 full coverage policy.

The Average Cost to Insure a Honda Pilot by Company

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Is a Honda Pilot Expensive to Insure?

When determining the cost of insurance for a particular car model, insurance companies consider several factors, including the value of the car, its horsepower and its make. In most cases, expensive models and accident-prone models attract higher rates.

The Honda Pilot is among the inexpensive models to insure, as its average annual insurance cost is $294 less than the average across all models. The low cost results from the model’s low value and low horsepower. Cars with a low value are usually cheap to repair, while a low horsepower means that the car is less prone to accidents.

The Best Car Insurance Company for a Honda Pilot

While purchasing auto insurance for a Honda Pilot, cost should not be the only factor you consider. MoneyGeek recommends checking the insurer’s customer satisfaction, financial stability, customer complaints and affordability scores. Our rating system used these factors to find the best insurers for a Honda Pilot:

  • USAA is the best insurer for a Honda Pilot. However, this is only available to military families.
  • The second-best insurer for a Honda Pilot is GEICO, which is available to all drivers.

1
USAA
Score:98

4.9/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:86

4.7/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:83

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Nationwide
Score:78

3.8/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

6
Allstate
Score:71

3.2/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

7
Allied
Score:NaN

3/5

Affordability

#N/A

Claims Ratings

#N/A

User Satisfaction

#N/A

Financial Stability

How Much It Costs to Insure a Honda Pilot by Model Year

The average insurance cost for newer car models is typically more expensive than older cars. As the car depreciates in value, its comprehensive and collision insurance costs also go down.

For instance, insurance for a 2005 Honda Pilot costs roughly $213 less per year than a 2020 model’s insurance.

The average costs of insuring a Honda Pilot car according to manufacturing year are:

  • 2005 Honda Pilot: $1,031 per year
  • 2010 Honda Pilot: $1,076 per year
  • 2016 Honda Pilot: $1,182 per year
  • 2017 Honda Pilot: $1,204 per year
  • 2018 Honda Pilot: $1,229 per year
  • 2019 Honda Pilot: $1,237 per year
  • 2020 Honda Pilot: $1,244 per year

Different insurers charge different rates for each model year of the Honda Pilot car. The lowest rate for the 2020 model is from Progressive, costing an average of $1,020 per year.

Select your car’s year to find out how rates change by year and insurer.

The Average Cost to Insure a Honda Pilot by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,102
    $1,093
    $1,085
    $1,056
    $1,032
    $966
    $889
  • 2.
    $1,135
    $1,127
    $1,120
    $1,095
    $1,073
    $940
    $900
  • 3.
    $1,020
    $1,032
    $1,045
    $1,086
    $1,122
    $1,045
    $1,008
  • 4.
    $1,292
    $1,282
    $1,272
    $1,237
    $1,207
    $1,073
    $975
  • 5.
    $1,161
    $1,172
    $1,182
    $1,218
    $1,248
    $1,259
    $1,188

How Expensive Is It to Insure a Honda Pilot Compared to Other Cars?

Is a Honda Pilot expensive to insure? Based on MoneyGeek’s findings, it is inexpensive to insure a Honda Pilot. The average annual cost of insuring the model is $1,133, which is $294 lower than the average across all car models.

How Much It Costs to Insure a Honda Pilot for 16- to 25-Year-Olds

Insurers typically charge young drivers higher insurance premiums than older drivers because of a lack of driving experience.

The average insurance rate for an 18-year-old driving a Honda Pilot is $3,699 per year. Forty-year-old drivers pay roughly $2,566 less than younger drivers.

The cost of insurance is significantly higher for teens, so it may be ideal to include them in their parent’s insurance coverage so the family can save money. A teen purchasing their own policy tends to be more expensive.

You can compare car insurance costs for young drivers between 16 and 25 years of age using the information below.

The Average Cost to Insure a Honda Pilot by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $4,742
  • 17
    $4,201
  • 18
    $3,699
  • 19
    $2,649
  • 20
    $2,365
  • 21
    $1,872
  • 22
    $1,724
  • 23
    $1,578
  • 24
    $1,481
  • 25
    $1,344
  • 40
    $1,133

How Does Location Affect the Cost of Honda Pilot Insurance?

Honda Pilot insurance rates collected in this guide are national averages. However, actual rates may vary depending on where you live. Drivers can refer to MoneyGeek’s state page analysis to find average rates for their state.

FAQs About Honda Pilot Insurance

The model of your car determines how much you pay for insurance, although it is not the only factor insurers consider when determining your rates. The following are some of the commonly asked questions about getting insurance for a Honda Pilot.

Read More About Car Insurance

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.