Is a Pilot expensive to insure?

It costs an average of $2,417 per year for a Honda Pilot full coverage car insurance policy, while minimum coverage costs an average of $780. To compare, the national average costs of full and minimum coverage are $2,680 and $802 per year, respectively.

How can I save money on Pilot insurance?

The Honda Pilot comes equipped with multiple safety features, which could earn you a discount from your car insurance company. Or, if you don't qualify for many discounts, choosing a higher deductible can help lower your premium — but you'll pay more out of pocket when you need to file a claim.

Are older cars cheaper to insure?

It depends. Something much older or no longer in production could cost more to insure, and may even need a special classic car insurance policy. It largely boils down to the cost and availability of repair parts: cars with cheaper and readily-available repair parts will usually cost less to insure, while those needing specialized parts and labor to fix will probably cost more.

Car Insurance for Honda Pilot

How much does it cost to insure a Honda Pilot?

It costs an average of $2,417 per year to insure a Honda Pilot at full coverage, which is 10 percent less than the national average cost for this kind of policy. Minimum coverage for the Honda Pilot costs an annual average of $780, 3 percent less than the national average of $802.

Car insurance companies weigh a myriad of different factors when setting your rate, one of which is the type of car you drive. If a car has cheap, easy-to-source replacement parts, solid safety ratings and low repair costs, it will likely be more affordable to insure.

$2,417 Avg annual full coverage
insurance premium

$780 Avg annual min coverage
insurance premium

Manufacturer's retail price for 2025 model: Starting at $40,200

Trims available for 2025: Sport, EX-L, TrailSport, Touring, Elite, Black Edition

Repair costs

According to Edmunds, Honda Pilot owners spend just over $1,500 on repairs throughout the first five years of ownership, which is on the lower end of the spectrum. Cars that are cheaper to repair are also usually cheaper to insure.

Safety features

All Pilots come equipped with Honda Sensing, a package of safety features that includes forward collision warnings, lane keeping assistance, pedestrian detection and adaptive cruise control. These can help lower the likelihood of an accident, but they may increase the cost of repairs.

Crash ratings

The Honda Pilot earned the Top Safety Pick+ designation from the Insurance Information Institute for Highway Safety (IIHS). In general, safer vehicles have lower car insurance costs.

Cheapest car insurance companies for a Honda Pilot

There's no one insurance company that's the cheapest for all drivers. To find the cheapest Honda Pilot insurance, most experts suggest comparing several quotes before deciding on a policy. Each car insurance company has its own method for setting rates, and quotes can vary widely across different providers.

How much does it cost to insure my Honda Pilot

To help you get a better idea of what it costs to insure a Honda Pilot, we've compiled average rates in the table below. Your exact quotes will likely differ, but this can help give you a more informed starting point.

2023 Pilot car insurance premiums by carrier


State Farm	State Farm	$2,303	$2,303	- $114	- $114
Allstate	Allstate	$2,902	$2,902	+ $485	+ $485
Progressive	Progressive	$2,038	$2,038	- $379	- $379
Geico	Geico	$2,057	$2,057	- $360	- $360
USAA	USAA	$2,099	$2,099	- $318	- $318

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for a Honda Pilot

When you buy a car insurance policy, your coverage limits will need to meet your state's minimum requirements. However, that alone may not offer enough financial protection foryour needs. You may want to build out your car insurance policy with these add-on coverage types:

Roadside assistance: The Pilot has off-road capabilities, but that doesn't guarantee it won't get stuck. Adding roadside assistance to your car insurance policy can help with unexpected events like a popped tire, engine failure and running out of fuel.
Collision insurance: If you cause an accident, collision insurance can help cover the cost of your vehicle's repairs.
Higher liability limits: As a larger model, the Pilot can cause more damage in an accident. Carrying higher bodily injury and property damage liability limits can help financially protect you if you cause an accident.
Comprehensive insurance: This can help pay for non-collision damage, like if a tree falls on your car, your hood gets dented in a hailstorm, your car gets stolen or you hit an animal.

How to get a Honda Pilot car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Honda Pilot with other similar cars

Honda Pilot Avg annual full coverage premium $2,417 Read More	Toyota 4Runner Avg annual full coverage premium $2,446 Read More	Ford Explorer Avg annual full coverage premium $2,544 See more models
Price (MSRP)
$40,200	$40,770	$39,785
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
5 stars	Not rated	5 stars
Gas mileage
22 mpg	22 mpg	24 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Substantially better than average	Substantially better than average	Average

Frequently asked questions

It costs an average of $2,417 per year for a Honda Pilot full coverage car insurance policy, while minimum coverage costs an average of $780. To compare, the national average costs of full and minimum coverage are $2,680 and $802 per year, respectively.
The Honda Pilot comes equipped with multiple safety features, which could earn you a discount from your car insurance company. Or, if you don't qualify for many discounts, choosing a higher deductible can help lower your premium — but you'll pay more out of pocket when you need to file a claim.
It depends. Something much older or no longer in production could cost more to insure, and may even need a special classic car insurance policy. It largely boils down to the cost and availability of repair parts: cars with cheaper and readily-available repair parts will usually cost less to insure, while those needing specialized parts and labor to fix will probably cost more.

Bankrate utilizes Quadrant Information Services to analyze June 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.