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Car Insurance Quotes for a Honda Pilot

Are You Getting the Cheapest Car Insurance Available for a Honda Pilot?

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How Much is Car Insurance for a Honda Pilot?

The average annual premium for a Honda Pilot is $370 for minimum liability only and $1,469 for full coverage.

Every state has different car insurance requirements. For example, one state may only require a minimum liability-only policy while others require liability-only plus uninsured motorist coverage and Personal Injury Protection (PIP) to pay for vehicle repairs and medical costs if someone who doesn’t have enough insurance hits you.

Many policyholders also prefer full coverage, which combines the state-required minimum liability along with collision and comprehensive. If leasing or financing your vehicle, expect the finance company to require it.

To better navigate all of your choices, rely on a Freeway Insurance agent to help you explore all of your options by researching many different insurers at once.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for Pilot to Other Vehicles

Honda Pilot drivers should expect to pay a higher or lower premium than drivers of vehicles within the same class, like the Chevrolet Traverse, Hyundai Santa Fe, Jeep Grand Cherokee, and the Hyundai Palisade.

This is because each of these vehicles’ make and models have different parts/labor costs, safety features, body styles, recall records, depreciation rates, and other variables that insurers use to classify risk.

Make/Model Annual Full Coverage Insurance
Honda Pilot $1,469
Chevrolet Traverse $1,684
Hyundai Santa Fe $1,810
Jeep Grand Cherokee $1,876
Hyundai Palisade $1,638

Types of Car Insurance Coverage for the Pilot

Many auto insurance policies are available to Honda Pilot drivers, including full coverage, SR-22 insurance, or new car replacement.

Full Coverage 

A full coverage policy may include a combination of liability, collision, and comprehensive, with optional add-ons such as medical payments (MedPay), uninsured/underinsured, roadside assistance, and rental car reimbursement.

The main difference between a full and a state minimum liability policy is its first-party benefits. For example, adding collision pays for damages to your vehicle sustained due to collisions, even if you are at fault. In turn, comprehensive adds protection due to non-collision-related events, such as vandalism or a hailstorm.

Although not required in some states, it is recommended that you purchase uninsured/underinsured motorist coverage, as a large percentage of motorists in each state do not carry an active policy.

State Minimum Liability 

Every state, except two, requires drivers to carry some form of minimum liability insurance, designed to help cover the cost of damages and injuries sustained by other passengers or property in the event of an at-fault accident. This policy provides third-party benefits to cover medical bills and property damage to fellow drivers due to an accident you cause.

The amount of liability you must have depends on where you live. For example, all Delaware drivers must carry 25/50/10 in minimum liability, translating to $25,000/$50,000 in bodily injury liability per person/accident and $10,000 in property damage liability per accident.

For better protection, purchase a full policy which includes liability, collision, and comprehensive for additional first-party benefits. These first-party benefits cover the cost of collision and non-collision-related scenarios such as damage from vehicle-to-vehicle crashes, natural disasters, theft, falling tree limbs, and much more.

Individual Factors That Influence Pricing for the Honda Pilot

To determine how much you will pay in auto premiums, providers consider many factors, including vehicle type, city of residence, age/gender, and driving record,

For starters, your vehicle type has much to do with your premiums. For example, drivers with a high-performance or luxury vehicle should expect to pay a higher premium than 1997 Honda Civic owners thanks to the higher costs of repair and replacement.

Another important consideration is age and gender. Younger drivers generally pay higher premiums thanks to the lack of a driving record, less driving experience, and a higher-than-average claims activity as a demographic.

Another critical point is one’s driving record. Someone with a history of at-fault accidents, DUI convictions, speeding tickets, and other traffic infractions can expect to pay significantly higher premiums.

2019 grey Honda Pilot

How Does a DUI Affect Insurance Rates for a Honda?

Unfortunately, a single DUI conviction can wreak havoc on your premiums, causing them to double or triple, depending on the severity of the offense.

Other factors also determine how much your premiums will increase, such as your state’s laws and the time since your last DUI conviction. Finally, in extreme circumstances, expect your insurance company to cancel or deny your policy, forcing you to seek cheap DUI insurance elsewhere.

Depending on the state, you may also be required to file an SR-22 or FR-44 add-on to your existing policy, letting the state know you carry the minimum required liability limits to drive legally.

Have you recently been convicted of a DUI? It is highly recommended that you shop around for DUI solutions from different providers. Not all insurers treat high-risk drivers the same as each has its underwriting criteria to assess future likelihoods of claims payouts.

What Are Some Car Insurance Discounts for the Honda Pilot?

To save money on car insurance, Honda Pilot drivers can take advantage of all types of discounts, including but not limited to a multi-policy, autopay/paperless billing, and defensive driving discounts. Some available discounts include:

  • The Good Driving discount is awarded to drivers who have maintained a clean driving record for the past three to five years. This means no infractions, claims, traffic violations, or other high-risk behaviors. 
  • Multi-vehicle and bundling discounts, awarding a lower premium for ensuring two or more vehicles or policies with the same provider or using the same insurer to protect more than one possession, such as home insurance in addition to auto coverage..
  • Policy-related discounts extend to how your policy is structured. Two popular options are paying your premium upfront and enrolling in autopay/paperless billing.

Lastly, remember to consider defensive driving courses. Enrolling in a defensive driving course to learn about best practices around avoiding road hazards and other strategic driving skills could help you save 5% off your premium.

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What Are Some of the Characteristics of the Honda Pilot?

This is a vehicle in the midsize SUV segment.

It has six trims: LX, Sport, EX-L, TrailSport, Touring, and Elite, plus a single 285-horsepower V6 engine.

Standard features include proximity keyless entry, a 7-inch touch screen, a seven-speaker stereo, USB ports, and Apple Carplay/ Android Auto compatibility.

Upgrading to Elite, the highest-level trim, adds a surround-view parking camera system, rain-sensing wheelchair wipers, ventilated front seats, and a heated steering wheel.

Main competitors are the Chevrolet Traverse, Hyundai Santa Fe, Jeep Grand Cherokee, and the Hyundai Palisade.


Find the Best Car Insurance Rates Online for Honda Pilot Today

Freeway Insurance is ready to help all Honda Pilot drivers find the right policy. You can select from various options, including state minimum liability and full coverage.

Getting started with Freeway Insurance is easy. You may request a quote online, visit a Freeway Insurance office near you or call 800-777-5620 to explore your options with a friendly agent. Give us a call today!

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