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

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Updated: May 20, 2024

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Car insurance costs can vary depending on your age. For example, insuring a 2022 Honda Pilot can cost a 16-year-old driver as much as $6,623 per year, whereas a 40-year-old driver may only need to pay $1,493 yearly. Similarly, insuring a 2009 Honda Pilot can cost a 16-year-old driver around $5,442 per year, while a 40-year-old driver only pays $1,178 per year.

MoneyGeek thoroughly evaluated the leading insurers, considering the balance between coverage and cost. This analysis considered affordability, service quality and claims management.

MoneyGeek Logo IconCar Insurance CostsHonda Pilot

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze average rates for a Honda Pilot.

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These rates were updated to reflect the average cost of car insurance for a Honda Pilot as of 2023.

10Companies Compared
41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring a Honda Pilot

Honda Pilot insurance costs an average of $1,343 annually, but comparing rates can help you find the cheapest car insurance option. State Farm offers the least expensive full coverage policy at $1,112 per year, while Allstate is the priciest at $1,526 annually.

For minimum coverage, State Farm is also the most affordable option at an annual average of $468, whereas Farmers is the most expensive at $704 per year.

Data filtered by:Results filtered by:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,112
GEICOAverage Annual Premium$1,157
TravelersAverage Annual Premium$1,219
NationwideAverage Annual Premium$1,277
ProgressiveAverage Annual Premium$1,456
FarmersAverage Annual Premium$1,499
AllstateAverage Annual Premium$1,526

Is a Honda Pilot Expensive to Insure?

Several factors, including a driver's age, driving record, credit score, location and the specific year and model of the vehicle, influence insurance rates for the Honda Pilot. With an MSRP of $53,165, the Honda Pilot is generally considered to have cheaper insurance costs than other vehicles in the same category. Insurance costs for specific models may also be lower due to factors such as the vehicle's value, repair costs or theft rates being relatively low.

Best Companies for Insuring a Honda Pilot

Although cost is critical when searching for the best car insurance for your Honda Pilot, it is not the only important factor. You should also look for a provider with a reputation for excellent service and claims handling. The following are the best Honda Pilot insurers:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,112 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,157 per year)

State Farm received the top affordability score and was ranked second for customer satisfaction, suggesting that customers are generally pleased with its policies and the quality of customer service they receive.

MoneyGeek Top Pick: State Farm

State Farm



Offers the cheapest rates, averaging $1,112 per year


Ranked second for customer satisfaction


Offers essential coverage options like roadside assistance



Does not offer coverage for custom parts


Poor claims management score


State Farm offers exceptional service at competitive rates, making it our top choice for the best Honda Pilot insurance provider.

The company also provides basic coverage options, including car rental coverage, which can pay for rental expenses up to a fixed limit if your car is damaged in an accident. Its rental car and travel reimbursement coverage also takes care of expenses like meals, lodging and transportation up to $500 while you wait for your vehicle to be repaired.

Additionally, State Farm offers optional roadside assistance coverage that can be useful when your car breaks down or you experience other driving-related issues. It includes a variety of services, such as mechanical labor for up to an hour at the breakdown location or towing to the nearest repair facility. If you run out of fuel, require an oil change, have a dead battery or need a tire changed, State Farm can provide these essential services.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO




Second-most affordable auto insurer, costing $1,157 per year


Third-best customer satisfaction rating


Offers accident forgiveness and mechanical breakdown insurance (MBI)



Doesn’t provide gap insurance


Below-average claims management score


If you prioritize both affordability and customer satisfaction, GEICO is an excellent option for Honda Pilot insurance. The insurer also provides two important coverage add-ons: accident forgiveness and mechanical breakdown insurance (MBI).

Offering better coverage at a more affordable price point than most dealer-extended warranties, MBI is a fantastic add-on option. It covers all parts and systems of the car, unlike most dealer warranties that may only cover specific parts. MBI is available for new or leased vehicles under 15 months old with fewer than 15,000 miles.

GEICO's accident forgiveness coverage prevents your car insurance premiums from increasing after your first at-fault accident. It can be purchased or earned by maintaining an accident-free driving record for five years or more and being over 21 years old.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring a Honda Pilot by Model Year

The average cost of car insurance for the Honda Pilot can vary based on the vehicle's model year. The difference between the 2009 ($1,178) and 2022 ($1,493) models of the Honda Pilot is $315. Newer models are more expensive to insure due to their higher value, more advanced technology, higher theft rates and increased likelihood of expensive repairs.

Data filtered by:Results filtered by:
Coverage:Full Coverage
2022Average Annual Premium$1,493
2021Average Annual Premium$1,447
2020Average Annual Premium$1,411
2019Average Annual Premium$1,427
2018Average Annual Premium$1,418
2017Average Annual Premium$1,339
2016Average Annual Premium$1,311
2015Average Annual Premium$1,259
2014Average Annual Premium$1,215
2013Average Annual Premium$1,224
2012Average Annual Premium$1,208
2011Average Annual Premium$1,171
2010Average Annual Premium$1,187
2009Average Annual Premium$1,178

Honda Pilot insurance costs can differ depending on the model year and the insurance company. For example, the 2022 Honda Pilot has the lowest full coverage rate with Nationwide at $1,201 per year, while State Farm offers the cheapest rate for the 2009 model at $921 per year.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
NationwideAverage Annual Premium$1,201
GEICOAverage Annual Premium$1,294
State FarmAverage Annual Premium$1,378
TravelersAverage Annual Premium$1,416
ProgressiveAverage Annual Premium$1,500
FarmersAverage Annual Premium$1,716
AllstateAverage Annual Premium$2,139

Cost of Insuring a Honda Pilot for 16- to 25-Year-Olds

Car insurance costs are much higher for young adults and teenagers than those over 30. For example, Honda Pilot insurance costs 16-year-old drivers around $5,931 per year, while 40-year-old drivers pay an average of $1,306 annually.

The cost of auto insurance for teens generally decreases and levels out as drivers age into their 20s. Due to their limited experience on the road, younger drivers are perceived as being more prone to accidents, which is why they generally face higher auto insurance premiums.

Data filtered by:Results filtered by:
Coverage:Full Coverage
16Average Annual Premium$5,931
17Average Annual Premium$4,825
18Average Annual Premium$4,233
19Average Annual Premium$2,940
20Average Annual Premium$2,663
21Average Annual Premium$2,052
22Average Annual Premium$1,899
23Average Annual Premium$1,765
24Average Annual Premium$1,676
25Average Annual Premium$1,514

Adding a teen driver to a family plan is generally the best way to get the cheapest rates, as individual policies can be very expensive. State Farm provides the cheapest individual policies for 16-year-old drivers of a Honda Pilot at $4,380 per year. Allstate is the most expensive, charging an annual $9,702. We recommend teens and their families compare rates from several insurers to find affordable car insurance that meets their coverage needs.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$4,380
NationwideAverage Annual Premium$4,504
TravelersAverage Annual Premium$5,632
GEICOAverage Annual Premium$6,088
ProgressiveAverage Annual Premium$7,875
FarmersAverage Annual Premium$8,553
AllstateAverage Annual Premium$9,702

How Does Location Affect the Cost of Honda Pilot Insurance?

Although the car model, year and driver age all influence Honda Pilot insurance costs, location can also have a significant impact. Premiums vary by state, with Idaho having the lowest average rate of $299 per year and Florida having the highest at $1,058 per year. When searching for car insurance for a Honda Pilot, we advise obtaining quotes from the most affordable insurers in your state to find the best rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Honda Pilot Insurance

If you're looking for the best Honda Pilot insurance provider, you may have some inquiries about the process. We have answered some frequently asked questions about cost and customer service to assist in your search.

What company has the cheapest car insurance for a Honda Pilot?
What company offers the best car insurance for a Honda Pilot?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.