Ford Explorer vs. Honda Pilot – Which Insurance is More Affordable?

• When comparing the newest models, a Ford Explorer has cheaper car insurance rates than a Honda Pilot by an average of $126 per year.
• For a 2024 Ford Explorer, average full-coverage car insurance rates range from $1,504 to $1,832 per year, while a 2024 Honda Pilot ranges from $1,726 to $1,962 for full-coverage.
• Average car insurance cost per month for the Honda Pilot is 6.7% more expensive than the Ford Explorer, at $144 versus $154, a difference of $10.
• Out of 34 models in the 2024 midsize SUV segment, the Ford Explorer ranks eighth and the Honda Pilot ranks 18^th for overall car insurance affordability.

Does a Ford Explorer or Honda Pilot cost less to insure?

For 2024 Ford Explorer and Honda Pilot models, the cheapest model to insure is the Ford Explorer. Insurance on the Ford Explorer averages $1,722 per year, while insurance for the Honda Pilot costs an average of $1,848 per year.

Out of 13 trims for the 2024 Ford Explorer, the cheapest average insurance prices are on the XLT 2WD model at a cost of $1,504 per year.

For the 10 trims available for the Honda Pilot, the cheapest 2024 trim to insure is the LX trim at a cost of $1,726.

When rates for all 23 trims of both models are combined and sorted by cost, the lowest-cost model and trim is the Ford Explorer XLT 2WD at an average rate of $1,504 per year. The most expensive model and trim level is the Honda Pilot Elite AWD at an average of $1,962 per year.

The table shown below compares the annual and monthly car insurance cost for 2024 Ford Explorer and Honda Pilot models, showing cost for each trim level of both models.

The chart shown below demonstrates the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. For a 2024 Ford Explorer, insurance cost ranges from $1,526 to $3,474 per year for the included age groups. A 2024 Honda Pilot costs from $1,634 to $3,746 to insure per year.

The two tables below show average car insurance rates for each trim level, including the average rate for each model. The winner for the 2024 car insurance rate comparison is the Ford Explorer.

2023 Ford Explorer vs. Honda Pilot

For 2023 Explorer and Pilot models, the model having the cheapest rates is the Ford Explorer. Insurance rates on a Ford Explorer cost an average of $1,574 per year, and insurance for a Honda Pilot costs an average of $1,776 per year.

Out of 17 Ford Explorer trims, the cheapest 2023 trim to insure is the XLT 2WD trim at an average cost of $1,432 per year, or $119 per month. For the eight trim levels available for the Honda Pilot, the cheapest 2023 trim level to insure is the Sport model at a cost of $1,678.

When all 25 trims of both models are combined and compared, the lowest-cost model and trim to insure is the Ford Explorer XLT 2WD at an average of $1,432 per year. The most expensive model and trim level is the Honda Pilot Elite AWD costing $1,868 per year.

The table below compares the annual and monthly car insurance cost for 2023 Ford Explorer and Honda Pilot models, broken down by trim level.

The chart shown below shows the average cost to insure both models with different driver age groups. For a 2023 Ford Explorer, the average cost of car insurance ranges from $1,388 to $3,132 per year for the age groups used in the chart. A 2023 Honda Pilot costs from $1,572 to $3,608 to insure per year.

The next two rate tables illustrate both 2023 models and all trim levels available for each one, plus an average rate for each model. The model with the cheapest auto insurance rates for 2023 is the Ford Explorer.

2022 Ford Explorer vs. Honda Pilot

Insurance cost for a 2022 Ford Explorer averages $1,628 per year, and insurance for a Honda Pilot costs an average of $1,758 per year, making the Ford Explorer the cheaper model to insure by $130 per year.

For a 2022 Ford Explorer, rates range from the cheapest price of $1,500 per year for the XLT 2WD model up to $1,724 for the Platinum 4WD model. For a 2022 Honda Pilot, rates range from $1,640 per year for the Sport model up to $1,854 for the most expensive Black Edition model.

When trim-level rates for both models are compared, the overall cheapest vehicle to insure is the Ford Explorer XLT 2WD at a cost of $1,500 per year. The highest-cost model and trim level is the Honda Pilot Black Edition at an average cost of $1,854 per year.

For a 2022 Ford Explorer, the cheapest models are the XLT 2WD, 2WD, and XLT 4WD. The cheapest Honda Pilot models include the Sport, Special Edition, and EX-L. From a cost-per-month standpoint, average insurance rates for all 2022 Ford Explorer and Honda Pilot models range from $125 to $155 per month.

For prior model years, U.S. national average auto insurance costs for each model compare as shown below. Click on any link to view the full comparisons.

• 2021 Model Year – Insurance rates for a 2021 Honda Pilot average $106 less per year than a 2021 Ford Explorer.
• 2020 Model Year – Insurance rates for a 2020 Honda Pilot average $64 less per year than a 2020 Ford Explorer.
• 2019 Model Year – Honda Pilot insurance cost averages $28 less per year than the Ford Explorer.
• 2018 Model Year – The Honda Pilot is cheaper to insure than the Ford Explorer by an average of $42 per year.
• 2017 Model Year – Honda Pilot insurance cost averages $44 less per year than the Ford Explorer.
• 2016 Model Year – Insurance rates for a 2016 Honda Pilot average $80 less per year than a 2016 Ford Explorer.
• 2015 Model Year – For this model year, the Honda Pilot is cheaper by an average of $44 per year.

The next table ranks the 12-month and monthly car insurance cost for 2022 Ford Explorer and Honda Pilot models, showing average premium cost for each trim level.

The chart below visualizes the average cost to insure both 2022 models with different driver age groups. For a 2022 Ford Explorer, average insurance cost ranges from $1,438 to $3,260 per year. A 2022 Honda Pilot costs from $1,554 to $3,570 to insure per year.

How does insurance cost for a 2022 Ford Explorer compare to a Honda Pilot?

• Insurance cost in the chart above ranges from $1,438 to $3,260 per year for the Ford Explorer and $1,554 to $3,570 per year for the Honda Pilot.
• A 20-year-old driver pays an average of $310 more to insure a Ford Explorer than a Honda Pilot.
• A 30-year-old driver pays an average of $134 more to insure a Ford Explorer than a Honda Pilot.
• A 40-year-old driver pays an average of $130 more to insure a Ford Explorer than a Honda Pilot.
• A 50-year-old driver pays an average of $116 more to insure a Ford Explorer than a Honda Pilot.
• Having an at-fault accident could increase insurance rates by up to $656 per year for the Ford Explorer and $736 for the Honda Pilot.
• Individual policy coverages for the Ford Explorer cost around $784 for collision insurance, $422 for comprehensive coverage, and $422 for liability. For the Honda Pilot, individual coverages cost an average of $858 for collision insurance, $406 for comprehensive coverage, and $494 for liability.

The 2022 Ford Explorer has 15 trims available, with the cheapest trim to insure being the XLT 2WD trim at an average cost of $1,500 per year, or $125 per month. The 2022 Honda Pilot has seven trims available, with the cheapest model to insure being the Sport model at an average cost of $1,640 per year, or $137 per month.

When rates are compared for the 22 trim levels of both 2022 models, the cheapest trim to insure is the Ford Explorer XLT 2WD at an average of $1,500 per year. The most expensive model and trim level is the Honda Pilot Black Edition costing an average of $1,854 per year.

The next tables illustrate trim level insurance rates for each 2022 model, including an overall average cost for each model.

2021 Ford Explorer vs. Honda Pilot

When comparing average insurance rates for the 2021 Ford Explorer and Honda Pilot models, the Honda Pilot is cheaper by an average of $106 per year for this comparison year.

The chart below illustrates the average cost to insure both models for four different driver age groups. For a 2021 Ford Explorer, average car insurance cost ranges from $1,478 to $3,350 per year for the example age groups. A 2021 Honda Pilot costs from $1,380 to $3,152 to insure per year.

The 2021 Ford Explorer has 13 trim levels available, with the cheapest model to insure being the 2WD model at an average cost of $1,464 per year, or about $122 per month. Out of the 14 trims available for the Honda Pilot, the cheapest 2021 trim to insure is the LX 2WD trim at a cost of $1,424 per year, or $119 per month.

When rates are compared for the 27 trim levels of both 2021 models, the cheapest vehicle to insure is the Honda Pilot LX 2WD at an average rate of $1,424 per year, and the overall most expensive vehicle to insure is the Ford Explorer Platinum 4WD at a cost of $1,792 per year.

The next two tables illustrate average car insurance cost by trim level for a 2021 Ford Explorer and Honda Pilot, including the average rate for each model. The 2021 Honda Pilot takes the trophy over the 2021 Ford Explorer for the cheapest overall car insurance rates.

2020 Ford Explorer vs. Honda Pilot

When comparing car insurance rates for 2020 models, the Ford Explorer costs an average of $1,578 per year to insure and the Honda Pilot costs $1,514, making the Honda Pilot the winner by $64.

The next chart displays the average cost to insure both models rated for a variety of different driver ages. The average cost of car insurance ranges from $1,400 to $3,166 per year for a 2020 Ford Explorer, and $1,336 to $3,052 for a 2020 Honda Pilot for the driver ages used.

For the nine trims available for the 2020 Ford Explorer, the cheapest model to insure is the 2WD trim at an average cost of $1,420 per year. For the 14 trims available for the Honda Pilot, the cheapest 2020 trim level to insure is the LX 2WD trim at a cost of $1,382.

When insurance rates for all 23 trim levels for the 2020 model year of both models are compared, the lowest-cost model and trim level to insure is the Honda Pilot LX 2WD at an average of $1,382 per year, and the highest-cost model and trim is the Ford Explorer Platinum 4WD at an average of $1,722 per year.

The two tables below illustrate trim level insurance cost averages for both 2020 models, plus an average rate for each model. The winner for the 2020 car insurance cost comparison is the Honda Pilot.

2019 Ford Explorer vs. Honda Pilot

When comparing average insurance rates for the 2019 Ford Explorer and Honda Pilot models, the Honda Pilot is cheaper by an average of $28 per year.

The next chart visualizes the average cost to insure both models with different drivers at the wheel. Average car insurance cost ranges from $1,354 to $3,080 per year for a 2019 Ford Explorer, and $1,324 to $3,040 for a 2019 Honda Pilot for the age groups used in this illustration.

Out of eight trim levels for the 2019 Ford Explorer, the cheapest car insurance rates are on the 2WD trim at a cost of $1,412 per year, or around $118 per month.

Out of the 14 trims available for the Honda Pilot, the cheapest 2019 trim to insure is the LX 2WD model at a cost of $1,372.

When all 22 trims of both models are combined and compared, the cheapest vehicle to insure is the Honda Pilot LX 2WD at a cost of $1,372 per year. The overall most expensive vehicle to insure is the Ford Explorer Platinum 4WD at an average cost of $1,652 per year.

The tables shown below show average car insurance rates for every trim level for both 2019 models, including an overall average cost for each model.

2018 Ford Explorer vs. Honda Pilot

When comparing car insurance rates for the 2018 Ford Explorer and Honda Pilot models, the Honda Pilot has cheaper rates by an average of $42 per year.

The next chart shows the average cost to insure the two models for the 20, 30, 40, and 50-year-old driver age groups. For a 2018 Ford Explorer, the average cost of car insurance ranges from $1,288 to $2,914 per year for the driver ages used. A 2018 Honda Pilot costs from $1,242 to $2,844 to insure per year.

Out of nine Ford Explorer trim levels, the cheapest 2018 trim to insure is the 2WD trim at an average cost of $1,352 per year, or about $113 per month.

For the 17 trims available for the Honda Pilot, the cheapest 2018 trim level to insure is the LX 2WD model at a cost of $1,308.

When looking at the aggregated rates by trim for both models, the cheapest model and trim level to insure is the Honda Pilot LX 2WD at an average rate of $1,308 per year. The overall most expensive vehicle to insure is the Ford Explorer Platinum 4WD at an average of $1,578 per year.

The tables below show all the available trims for both 2018 models, as well as the overall average rate for each model. The winner for the 2018 car insurance cost comparison is the Honda Pilot.

2017 Ford Explorer vs. Honda Pilot

When comparing insurance rates for 2017 models, a Ford Explorer costs an average of $1,390 per year to insure and a Honda Pilot costs $1,346, making the Honda Pilot cheaper to insure by $44 per year for this model year.

The rate chart below illustrates the average cost to insure both 2017 models using different driver ages. For a 2017 Ford Explorer, average car insurance cost ranges from $1,236 to $2,792 per year for the example age groups. A 2017 Honda Pilot costs from $1,192 to $2,722 to insure per year.

Out of nine trims for the 2017 Ford Explorer, the cheapest average car insurance prices are on the 2WD model at a cost of $1,304 per year, or around $109 per month. Out of the 17 trims available for the Honda Pilot, the cheapest 2017 trim to insure is the LX 2WD model at a cost of $1,256.

When rates for all 26 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Honda Pilot LX 2WD at a cost of $1,256 per year, and the most expensive vehicle to insure is the Ford Explorer Platinum 4WD costing $1,516 per year.

The next two rate tables illustrate all the available trims for both 2017 models, along with an average cost for each model.

2016 Ford Explorer vs. Honda Pilot

When comparing insurance cost for 2016 models, the Ford Explorer costs an average of $1,434 per year to insure and the Honda Pilot costs $1,354, making the Honda Pilot the winner by $80 for 2016.

The rate chart below displays the average cost to insure the two models for different driver ages. For a 2016 Ford Explorer, average insurance cost ranges from $1,280 to $2,908 per year for the driver ages used. A 2016 Honda Pilot costs from $1,204 to $2,750 to insure per year.

For the nine trim levels available for the 2016 Ford Explorer, the cheapest trim to insure is the 2WD model at an average cost of $1,364 per year, or $114 per month.

Out of the 17 trims available for the Honda Pilot, the cheapest 2016 trim to insure is the LX 2WD model at a cost of $1,220.

When auto insurance rates for all 26 trim levels for both vehicles are compared, the most affordable model and trim level to insure is the Honda Pilot LX 2WD at an average rate of $1,220 per year, and the highest-cost model and trim is the Ford Explorer Platinum 4WD at an average cost of $1,562 per year.

The tables below show average car insurance rates for each trim level, plus an average rate for each model. The model with the cheapest average car insurance rates for 2016 is the Honda Pilot.

2015 Ford Explorer vs. Honda Pilot

When comparing average insurance rates for 2015 models, a Ford Explorer costs an average of $1,290 per year to insure and a Honda Pilot costs $1,246, making the Honda Pilot cheaper to insure by $44 per year for this model year.

The chart shown below demonstrates the average cost to insure the two models rated for drivers aged 20 to 50. The average car insurance cost ranges from $1,156 to $2,598 per year for a 2015 Ford Explorer, and $1,116 to $2,506 for a 2015 Honda Pilot for the age groups used in the chart.

For the eight trims available for the 2015 Ford Explorer, the cheapest trim to insure is the 2WD trim at an average cost of $1,252 per year, or $104 per month.

For the 14 trim levels available for the Honda Pilot, the cheapest 2015 trim to insure is the SE 4WD trim at a cost of $1,106 per year, or $92 per month.

When insurance prices for all 22 trim levels for both vehicles are compared, the lowest-cost model and trim level to insure is the Honda Pilot SE 4WD at an average rate of $1,106 per year, and the highest-cost model and trim is the Ford Explorer Sport 4WD at an average of $1,358 per year.

The tables shown below show average car insurance rates for each trim level, including an overall average rate. The 2015 Honda Pilot wins the head-to-head comparison over the 2015 Ford Explorer for the cheapest average car insurance rates.

Additional Ford Explorer and Honda Pilot Resources

• Ford Explorer Insurance Rates
• Honda Pilot Insurance Rates
• Midsize SUV Insurance Rate Comparisons