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Best Honda Pilot Car Insurance in 2024 (Top 10 Companies Ranked)
The best Honda Pilot car insurance comes from Geico, State Farm, and USAA, offering top coverage with competitive rates. Geico stands out with rates around $35/month, State Farm provides reliable coverage, and USAA is ideal for military families. These providers offer affordability and comprehensive protection.
UPDATED: Aug 29, 2024Fact Checked
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Aug 29, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
UPDATED: Aug 29, 2024Fact Checked
Top Pick Overall for Honda Pilot: Geico
19,116 reviewsCompany Facts
Full Coverage for Honda Pilot
$78/moA.M. Best Rating
A++Complaint Level
LowPros & Cons
19,116 reviewsBest Coverage for Pilot: State Farm
17,759 reviewsCompany Facts
Full Coverage for Honda Pilot
$83/moA.M. Best Rating
B (Fair)Complaint Level
LowPros & Cons
17,759 reviewsBest Military Savings for Honda Pilot: USAA
6,435 reviewsCompany Facts
Full Coverage for Honda Pilot
$73/moA.M. Best Rating
A++Complaint Level
LowPros & Cons
6,435 reviews
The best Honda Pilot car insurance comes from Geico, State Farm, and USAA, with Geico leading as the top pick overall. These companies excel in providing affordability and comprehensive coverage for Honda Pilot owners. Geico stands out for its budget-friendly options, while State Farm and USAA offer exceptional reliability and specialized benefits.
Comparing these top providers helps you find the best Honda Pilot car insurance tailored to your needs. Evaluate their offerings to secure optimal coverage at the best price. Find out more by reading our “Best Honda Car Insurance Rates.”
Our Top 10 Company Picks: Best Honda Pilot Car Insurance
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Affordable Rates Geico
#2 17% B Reliable Coverage State Farm
#3 10% A++ Military Savings USAA
#4 15% A+ Customizable Plans Progressive
#5 20% A+ Remote Workers Nationwide
#6 25% A+ Customer Service Erie
#7 10% A+ New Drivers Allstate
#8 15% A Personalized Service Farmers
#9 10% A Coverage Options Liberty Mutual
#10 15% A Financial Stability American Family
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Read More: Compare Honda Car Insurance Rates
You can start comparing quotes for Honda Pilot car insurance rates from some of the best car insurance companies by using our free online tool now.
Here's What You Need to Know
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#1 – Geico: Top Overall Pick
Pros
- Low Premiums: Geico offers some of the most affordable Honda Pilot car insurance rates, making it a top choice for budget-conscious car owners. Check out our Geico car insurance review for more details.
- High Discount Potential: With a multi-policy discount of up to 25%, Honda Pilot owners can save significantly on their insurance costs by bundling policies.
- Strong Financial Stability: Geico’s A++ rating from A.M. Best ensures that Honda Pilot car owners can rely on the company’s financial health to cover claims.
Cons
- Limited Local Agents: Geico’s reliance on online and phone-based services can be a drawback for Honda Pilot owners who prefer face-to-face interactions for their insurance needs.
- Mixed Customer Service Reviews: While some Honda Pilot owners find Geico’s service satisfactory, others report inconsistent experiences with customer support.
#2 – State Farm: Best for Reliable Coverage
Pros
- Extensive Agent Network: State Farm’s vast network of local agents provides Honda Pilot owners with personalized insurance service and support. Explore our State Farm car insurance review for more insights.
- Comprehensive Coverage Options: State Farm offers a wide range of coverage options tailored to the needs of Honda Pilot owners, ensuring robust protection.
- Stable and Trusted: Despite a lower A.M. Best rating of B, State Farm is known for its reliable coverage and strong market presence, giving Honda Pilot owners peace of mind.
Cons
- Higher Premiums: State Farm’s reliable coverage often comes at a higher cost, which may not be ideal for budget-conscious Honda Pilot owners.
- Moderate Multi-Policy Discount: At 17%, State Farm’s multi-policy discount is lower than some competitors, offering less savings for Honda Pilot owners who bundle policies.
#3 – USAA: Best for Military Savings
Pros
- Exclusive Military Benefits: USAA provides specialized Honda Pilot car insurance discounts and benefits exclusively for military members and their families.
- Exceptional Customer Service: With an A++ rating from A.M. Best, USAA is known for its top-notch customer service, ensuring Honda Pilot owners receive attentive and reliable support.
- Competitive Rates: USAA offers competitive insurance rates for Honda Pilot owners, particularly those who qualify for military-related discounts. Please review our USAA car insurance discounts for additional information.
Cons
- Restricted Eligibility: USAA’s services are limited to military members, veterans, and their families, excluding many Honda Pilot owners from benefiting from their offerings.
- Limited Physical Locations: USAA has fewer physical branches, which may inconvenience Honda Pilot owners who prefer in-person service for their insurance needs.
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#4 – Progressive: Best for Customizable Plans
Pros
- Flexible Coverage Options: Progressive offers highly customizable Honda Pilot car insurance plans, allowing owners to tailor coverage to their specific needs.
- Snapshot Program: Honda Pilot owners can take advantage of Progressive’s Snapshot program to potentially lower their premiums based on their driving habits.
- Strong Financial Rating: Progressive’s A+ rating from A.M. Best indicates solid financial strength, ensuring reliability for Honda Pilot car insurance claims. Explore our Progressive car insurance discounts for additional insights.
Cons
- Higher Premiums for High-Risk Drivers: Honda Pilot owners with a history of traffic violations or accidents may find Progressive’s premiums to be higher compared to other insurers.
- Complex Discount Structure: Progressive’s discount offerings can be complex, making it challenging for Honda Pilot owners to understand and maximize their savings.
#5 – Nationwide: Best for Remote Workers
Pros
- Specialized Discounts: Nationwide offers unique discounts for remote workers, making Honda Pilot car insurance more affordable for those who work from home. Please read our Nationwide car insurance discounts for more information.
- Vanishing Deductible: Honda Pilot owners can benefit from Nationwide’s vanishing deductible feature, which reduces the deductible amount for each year of safe driving.
- Robust Coverage Options: With an A+ rating from A.M. Best, Nationwide provides comprehensive coverage options tailored to the needs of Honda Pilot owners.
Cons
- Limited Availability of Discounts: Some of Nationwide’s specialized discounts may not be available in all states, limiting savings opportunities for Honda Pilot owners.
- Mixed Online Service Reviews: While Nationwide has strong coverage options, some Honda Pilot owners report less satisfactory experiences with their online services and claims processing.
#6 – Erie: Best for Customer Service
Pros
- Exceptional Customer Satisfaction: Erie is known for its high customer satisfaction ratings, making it a great choice for Honda Pilot owners who prioritize service.
- Comprehensive Coverage: Erie offers robust Honda Pilot car insurance policies with a variety of coverage options to meet diverse needs. Check out our Erie car insurance review for additional details.
- Financial Stability: With an A+ rating from A.M. Best, Erie’s financial health provides reassurance to Honda Pilot owners about claim reliability.
Cons
- Regional Limitations: Erie’s services are only available in certain regions, limiting access for many Honda Pilot owners.
- Higher Premiums: While known for excellent service, Erie’s premiums can be higher, which might not suit all Honda Pilot owners’ budgets.
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#7 – Allstate: Best for New Drivers
Pros
- New Driver Discounts: Allstate offers specific discounts and benefits for new Honda Pilot drivers, making insurance more affordable for young or inexperienced drivers.
- Accident Forgiveness: Honda Pilot owners with Allstate can benefit from accident forgiveness, ensuring that their rates don’t increase after their first accident.
- Wide Range of Coverage Options: Allstate provides a broad spectrum of coverage options, catering to the diverse needs of Honda Pilot owners. For further information, read our Allstate car insurance review.
Cons
- Higher Premiums for Some Drivers: New drivers, despite discounts, may still face higher premiums with Allstate compared to more established drivers.
- Mixed Customer Service Reviews: While many Honda Pilot owners have positive experiences, some report less satisfactory interactions with Allstate’s customer service.
#8 – Farmers: Best for Personalized Service
Pros
- Tailored Insurance Plans: Farmers offers personalized Honda Pilot car insurance plans that cater to the specific needs of each driver. For more information, please refer to our Farmers car insurance review.
- Local Agents: Honda Pilot owners can benefit from Farmers’ network of local agents who provide face-to-face service and personalized advice.
- Solid Financial Health: With an A rating from A.M. Best, Farmers ensures reliable financial backing for claims.
Cons
- Higher Cost for Personalized Service: The personalized service and tailored plans can come at a higher cost, which may not be ideal for all Honda Pilot owners.
- Limited Discount Opportunities: Farmers’ discount offerings are less extensive compared to some competitors, providing fewer savings options for Honda Pilot owners.
#9 – Liberty Mutual: Best for Coverage Options
Pros
- Extensive Coverage Options: Liberty Mutual offers a wide array of coverage choices for Honda Pilot car insurance, allowing owners to select plans that best fit their needs.
- Accident Forgiveness: Honda Pilot owners can benefit from Liberty Mutual’s accident forgiveness, preventing rate increases after their first accident.
- Solid Financial Rating: Liberty Mutual’s A rating from A.M. Best ensures financial reliability and stability for Honda Pilot insurance claims. To find out more, please refer to our Liberty Mutual car insurance discounts.
Cons
- Higher Rates for Comprehensive Coverage: Liberty Mutual’s extensive coverage options can result in higher premiums for Honda Pilot owners seeking full protection.
- Variable Customer Service Experiences: Some Honda Pilot owners report mixed experiences with Liberty Mutual’s customer service, which can affect overall satisfaction.
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#10 – American Family: Best for Financial Stability
Pros
- Strong Financial Health: With an A rating from A.M. Best, American Family provides reliable financial stability for Honda Pilot car insurance claims.
- Multi-Policy Discount: Honda Pilot owners can save up to 15% by bundling their car insurance with other policies from American Family.
- Customized Coverage: American Family offers customizable coverage options to meet the specific needs of Honda Pilot owners. To gather additional information, please read our American Family car insurance review.
Cons
- Regional Availability: American Family’s services are not available nationwide, which can limit access for some Honda Pilot owners.
- Higher Premiums in Some Areas: Depending on the region, Honda Pilot owners may find American Family’s premiums to be higher compared to other insurers.
Honda Pilot Insurance Rates: Minimum vs. Full Coverage
When shopping for insurance for your Honda Pilot, the rates can vary significantly based on the coverage level and provider. Here’s a breakdown of monthly premiums for minimum and full coverage from various insurers to help you make an informed decision.
Honda Pilot Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $54 $88
American Family $51 $79
Erie $53 $75
Farmers $52 $85
Geico $44 $78
Liberty Mutual $56 $90
Nationwide $47 $87
Progressive $43 $70
State Farm $49 $83
USAA $35 $73
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Even though insurance rates for your Honda Pilot might seem fixed, there are several strategies you can use to lower them. Here are five effective ways to save on your Honda Pilot auto insurance:
Top Honda Pilot Insurance Companies
Top Honda Pilot Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $65.6 million | 9% |
| #2 | Geico | $46.1 million | 6% |
| #3 | Progressive | $39.2 million | 6% |
| #4 | Allstate | $35.6 million | 5% |
| #5 | Liberty Mutual | $35 million | 5% |
| #6 | Travelers | $28 million | 4% |
| #7 | USAA | $23.5 million | 3% |
| #8 | Chubb | $23.4 million | 3% |
| #9 | Farmers | $20.6 million | 3% |
| #10 | Nationwide | $18.4 million | 3% |
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Safety Features on a Honda Pilot
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Honda Pilot Performance in Crash Tests
Government crash tests are meant to provide an indication of how well a specific vehicle protects its occupants during different types of collisions. For frontal impact tests, the Pilot scored a perfect five-stars for both the driver and front passenger.
Side impact tests also received a perfect score of five-stars for both front and rear occupants of the vehicle. These results will help the Pilot’s car insurance costs reasonable. Learn more about our “Compare Collision Car Insurance” for a broader perspective.
Honda Pilot Car Insurance Rates
There are many different factors and each company has their own criteria and weight that they place on each aspect they considers. Your credit score and driving history are weighed almost as much as the actual safety of the vehicle.
Geico offers the best overall value for Honda Pilot car insurance with budget-friendly rates and comprehensive coverage.
Tim Bain Licensed Insurance Agent
Insurance companies with statisticians have found that people with lower credit scores are more likely to have an accident, therefore they charge them more. That is just another reason why protecting your credit is very important.
Most companies have incentives or immediate deductions for those who haven’t been in an accident for a set number of years. Moving traffic violations like speeding and failure to yield can also result in your paying more for Honda Pilot auto insurance.
Geico is the best overall choice for Honda Pilot insurance due to its affordability and comprehensive coverage.
Each company will view different aspects of your driving record differently which is why it is necessary to shop around comparing as many different companies quotes as possible. With a little bit of diligence there is no reason that you shouldn’t be able to get a great rate when insuring your Honda Pilot. Find out more by reading our “Good Credit Car Insurance Discounts.”
The amount that you pay for car insurance each month greatly depends on the state in which you live. Each state handles car insurance differently, so someone could have very low car insurance in one state and very high rates in another, even if they are driving the same car in the same way.
Some states also require certain types of car insurance coverage. One of these coverage options that is required in some states is personal injury protection insurance. If you live in a state that requires this kind of coverage, your rates would be higher than in a state that does not.
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Compare Free Honda Pilot Insurance Quotes Online
Start comparing Honda Pilot car insurance quotes for free by using our convenient online comparison tool.
The Honda Pilot can be a very rewarding vehicle to drive. Beyond the cost of purchasing and fueling your SUV, there are many other ownership costs. Car insurance is one of those extra costs and the amount you will have to pay can vary greatly.
The best thing a person can do is shop around comparing quotes from as many different insurance providers as possible. While you can’t know what you will have to pay until you get a quote, there are some factors that can give you a general idea.
Frequently Asked Questions
What factors impact the cost of Honda Pilot insurance?
Several factors can influence the cost of Honda Pilot insurance, including the age of the vehicle, driver age, driver location, driving record, and safety features of the model.
Uncover more about our “Compare Honda CR-V Car Insurance Rates” by reading further.
Are Honda Pilots expensive to insure compared to other SUVs?
The insurance rates for Honda Pilots can vary, but comparing them to other SUVs like the Mazda CX-9, GMC Yukon XL, and Cadillac XT5 can provide a better understanding of their relative insurance costs.
What safety features on the Honda Pilot can help lower insurance rates?
The Honda Pilot comes equipped with various safety features such as collision mitigation braking, road departure mitigation, adaptive cruise control, and lane-keeping assist. Having these features can potentially earn you discounts on your insurance premiums.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
How can I save on Honda Pilot insurance?
To save on Honda Pilot insurance, you can consider the following measures: maintain a clean driving record, take advantage of available discounts, compare quotes from multiple insurance companies, consider raising deductibles, and bundle your car insurance with other policies.
What is the best car insurance company for a Honda Pilot?
Geico is considered the best overall choice for Honda Pilot insurance due to its affordability and comprehensive coverage.
Expand your understanding with our “Compare Honda Insight Car Insurance Rates.”
How much does insurance cost for a Honda Pilot?
The average annual cost for insuring a Honda Pilot is around $1,336, which breaks down to approximately $111 per month.
Which factors affect Honda Pilot insurance rates the most?
The main factors affecting Honda Pilot insurance rates include the driver’s age, driving record, location, vehicle age, and safety features.
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.
How can I save money on Honda Pilot car insurance?
You can save money on Honda Pilot car insurance by maintaining a clean driving record, taking advantage of discounts, comparing quotes from multiple providers, raising your deductibles, and bundling your insurance policies.
What discounts are available for Honda Pilot insurance?
Discounts available for Honda Pilot insurance include safe driver discounts, multi-policy discounts, good student discounts, anti-theft device discounts, and discounts for advanced safety features.
Gain deeper insights by exploring our “Compare Honda Civic CRX Car Insurance Rates.”
Does Geico offer good rates for Honda Pilot insurance?
Yes, Geico offers competitive rates for Honda Pilot insurance, with some of the most budget-friendly options available.
Is State Farm a reliable choice for Honda Pilot insurance?
Yes, State Farm is known for providing reliable coverage and is a solid choice for Honda Pilot insurance.
What benefits does the USAA provide for Honda Pilot insurance?
USAA offers specialized benefits for military families, including competitive rates and excellent customer service for Honda Pilot insurance.
How do safety features of the Honda Pilot impact insurance costs?
Safety features on the Honda Pilot can lower insurance costs as they reduce the risk of accidents and injuries, leading to potential discounts on premiums.
Learn more about our “Best Honda Car Insurance Rates” for a broader perspective.
Are older Honda Pilot models cheaper to insure?
Yes, older Honda Pilot models are generally cheaper to insure due to their lower value and reduced cost of repairs compared to newer models.
How does my driving record affect my Honda Pilot insurance rates?
A clean driving record can lower your insurance rates, while a history of accidents or violations can significantly increase your premiums.
Can I get a discount on Honda Pilot insurance for having a clean driving record?
Yes, many insurance providers offer discounts for drivers with a clean driving record, which can help lower your overall insurance costs.
How does my location influence Honda Pilot insurance premiums?
Insurance premiums can vary by location due to factors like crime rates, traffic density, and local regulations, affecting the cost of insuring a Honda Pilot.
Find out more by reading our “Compare Honda Element Car Insurance Rates.”
Are there specific insurance providers that offer better rates in certain states?
Yes, insurance rates can vary by state, and some providers may offer better rates in certain regions. It’s important to compare local quotes to find the best deal.
What type of coverage is recommended for a Honda Pilot?
Full coverage, including liability, collision, and comprehensive insurance, is recommended for a Honda Pilot to ensure complete protection.
Should I get full coverage or just liability insurance for my Honda Pilot?
Full coverage is generally recommended for newer Honda Pilots, while liability insurance might be sufficient for older models with lower values.
What should I look for when comparing Honda Pilot insurance quotes?
When comparing Honda Pilot insurance quotes, look for coverage options, deductibles, premium costs, available discounts, customer service ratings, and the financial stability of the insurance company.
Unlock additional information in our “Honda Car Insurance.”
Can I bundle my Honda Pilot insurance with other policies for a discount?
Yes, bundling your Honda Pilot insurance with other policies like homeowners or renters insurance can often result in discounts.
How does the age of the driver affect Honda Pilot insurance rates?
Younger drivers typically face higher insurance rates due to their inexperience, while older, more experienced drivers often benefit from lower premiums.
Are there any special insurance programs for young drivers with a Honda Pilot?
Yes, some insurance companies offer special programs or discounts for young drivers, such as good student discounts or driver training discounts.
Obtain further insights from our “Compare Honda Odyssey Car Insurance Rates.”
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
