2016 Honda Pilot Car Insurance Calculator

View in real-time how changes to different risk factors impact car insurance rates for a 2016 Honda Pilot. Update factors like policy coverages, liability limits, and deductibles to see how each affects your premiums. Instantly discover whether your choice increases or decreases the cost of insurance.

The average estimated car insurance premium for a 2016 Honda Pilot is $1,670 per year, or about $139 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,670

Cost Per Month

$139

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Honda Pilot Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2016 Honda Pilot.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,670
Average Rate
Your Rate
$1,670

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2016 Honda Pilot trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2016 Honda Pilot is $1,670.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2016 Honda Pilot vs. the Midsize SUV Segment

The table below compares insurance rates for the 2016 Honda Pilot against all other models in the midsize SUV segment. The Honda Pilot is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Honda Pilot, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Honda Pilot.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2016 Honda Pilot Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,438-$232
2Chevrolet Traverse$1,512-$158
3Ford Flex$1,544-$126
4Jeep Cherokee$1,566-$104
5Dodge Journey$1,572-$98
6Dodge Durango$1,590-$80
7Toyota 4Runner$1,608-$62
8Ford Edge$1,628-$42
9Mazda CX-9$1,650-$20
10Nissan Pathfinder$1,660-$10
2016 Midsize SUV Average$1,667-$3
11Honda Pilot$1,670--
12Nissan Murano$1,678$8
13Jeep Grand Cherokee$1,680$10
14Hyundai Santa Fe$1,692$22
15Jeep Wrangler$1,734$64
16GMC Acadia$1,742$72
17Buick Enclave$1,750$80
18Ford Explorer$1,772$102
19Toyota Highlander$1,806$136
20Kia Sorento$1,816$146
21Volkswagen Touareg$1,892$222

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2016 Pilot Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 Honda Pilot.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2016 Honda Pilot Insurance Rates by Trim Level
2016 Honda Pilot Trim Level Annual Premium Cost Per Month
LX 2WD$1,506$126
EX 2WD$1,556$130
LX 4WD$1,556$130
EX 4WD$1,652$138
EX Sensing 2WD$1,652$138
EX Sensing 4WD$1,652$138
EX-L 2WD$1,652$138
EX-L 4WD$1,700$142
EX-L Navigation 2WD$1,700$142
EX-L Navigation 4WD$1,700$142
EX-L Rear Entertainment 2WD$1,700$142
EX-L Rear Entertainment 4WD$1,700$142
EX-L Sensing 2WD$1,700$142
EX-L Sensing 4WD$1,700$142
Touring Navigation 2WD$1,748$146
Touring Navigation 4WD$1,748$146
Elite Navigation 4WD$1,796$150

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2016 Honda Pilot for different driver ages.

2016 Honda Pilot Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,098$508
17$5,885$490
18$5,227$436
19$4,769$397
20$3,634$303
21$3,463$289
22$3,089$257
23$2,542$212
24$2,395$200
25$1,938$162
30$1,776$148
35$1,716$143
40$1,670$139
45$1,566$131
50$1,486$124
55$1,390$116
60$1,394$116
65$1,488$124
70$1,616$135
75$1,918$160
80$2,374$198

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Honda Pilot trim levels.