Is it Cheaper to Insure a Honda Accord or Pilot?

• The Honda Accord beats the Honda Pilot in our cost analysis, saving an average driver $20 per year on car insurance.
• For a 2024 Honda Accord, insurance rates cost from $2,232 to $2,378 per year, while a 2024 Honda Pilot ranges from $2,186 to $2,482, depending on trim level.
• When compared to the U.S. national average cost of car insurance of $2,276 per year, the Honda Accord costs $40 more per year, while the Honda Pilot averages $60 more per year.

Is insurance cheaper for a Honda Accord or Honda Pilot?

Average car insurance rates for a 2024 Honda Accord are $2,316 per year, whereas insurance for a 2024 Honda Pilot averages $2,336 per year, making the Honda Accord the cheaper of the two models by $20 per year.

Out of six Honda Accord trim levels, the cheapest 2024 trim level to insure is the EX-L Hybrid trim at an average cost of $2,232 per year. The 2024 Honda Pilot has 10 trims available, with the cheapest model to insure being the LX model at an average cost of $2,186 per year.

When comparing rates by trim level for both models, the cheapest trim is the Honda Pilot LX at an average of $2,186 per year. The most expensive vehicle to insure is the Honda Pilot Elite AWD at a cost of $2,482 per year.

The table below compares and ranks the annual and monthly cost of car insurance for 2024 Honda Accord and Honda Pilot models, with average cost for each trim level.

The rate chart below demonstrates the average cost to insure the two models using a range of rated driver ages. Average insurance cost ranges from $2,050 to $4,666 per year for a 2024 Honda Accord, and $2,064 to $4,734 for a 2024 Honda Pilot.

The next two tables display trim level insurance cost averages for both 2024 models, as well as the overall average rate for each model. The cheapest to insure for the 2024 model year is the Honda Accord.

2023 Honda Accord vs. Honda Pilot

Average car insurance rates for a 2023 Honda Accord are $2,360 per year, while a 2023 Honda Pilot averages $2,246 per year, making the Honda Pilot the cheaper of the two to insure.

Out of nine trims for the 2023 Honda Accord, the cheapest auto insurance rates are on the Hybrid model at a cost of $2,186 per year.

Out of the eight trim levels available for the Honda Pilot, the cheapest 2023 trim level to insure is the Sport model at a cost of $2,122.

When rates are compared for the 17 trim levels of both 2023 models, the most affordable model and trim level to insure is the Honda Pilot Sport at a cost of $2,122 per year, and the overall most expensive vehicle to insure is the Honda Accord Touring costing an average of $2,562 per year.

The table shown below compares the annual and monthly cost of car insurance for 2023 Honda Accord and Honda Pilot models, showing average cost for every trim level.

The chart shown below visualizes the average cost to insure the two models for four different driver age groups. Insurance cost ranges from $2,086 to $4,782 per year for a 2023 Honda Accord, and $1,986 to $4,558 for a 2023 Honda Pilot for the included age groups.

The tables shown below illustrate all the available trims for both 2023 models, plus the average rate for each model. The 2023 Honda Pilot wins the head-to-head comparison over the 2023 Honda Accord for the cheapest overall car insurance rates.

2022 Honda Accord vs. Honda Pilot

For the 2022 model year, the model with the cheapest average car insurance rates is the Honda Pilot. Insurance on the Honda Accord averages $2,286 per year, while insurance for the Honda Pilot averages $2,220 per year.

Insurance rates vary quite a bit for each of the different trim levels, however.

Using the Honda Accord to illustrate this point, car insurance rates range from the lowest rate of $2,092 per year for the Hybrid model up to $2,518 for the Touring model. For the 2022 Honda Pilot, rates range from $2,072 per year on the Sport model up to $2,342 on the most expensive to insure Black Edition model.

When comparing both models, the cheapest trim to insure is the Honda Pilot Sport at an average of $2,072 per year, and the highest-cost model and trim is the Honda Accord Touring at an average of $2,518 per year.

For a 2022 Honda Accord, the cheapest models are the Hybrid, Hybrid EX-L, and LX. The cheapest Honda Pilot models include the Sport, Special Edition, and EX-L. Car insurance rates for all 2022 Honda Accord and Honda Pilot trim levels range from $173 to $210 per month.

The next table compares and ranks the annual and monthly cost of car insurance for 2022 Honda Accord and Honda Pilot models, with average cost for each trim level.

The next chart displays the average cost to insure both models for drivers aged 20 to 50. Average insurance cost ranges from $2,024 to $4,644 per year for a 2022 Honda Accord, and $1,962 to $4,512 for a 2022 Honda Pilot for the sample drivers in the chart

Out of nine trims for the 2022 Honda Accord, the cheapest auto insurance rates are on the Hybrid trim at a cost of $2,092 per year, or around $174 per month.

Out of the seven trim levels available for the Honda Pilot, the cheapest 2022 trim level to insure is the Sport trim at a cost of $2,072 per year, or around $173 per month.

When trim-level rates for both models are compared, the cheapest vehicle to put coverage on is the Honda Pilot Sport at an average of $2,072 per year, and the most expensive vehicle to insure is the Honda Accord Touring at a cost of $2,518 per year.

The next two rate tables show all the available trims for both 2022 models, plus the average rate for each model.

2021 Honda Accord vs. Honda Pilot

When comparing average insurance rates for 2021 models, a Honda Accord costs an average of $2,188 per year to insure and a Honda Pilot costs $1,976, making the Honda Pilot cheaper to insure by $212 per year for this model year.

The rate chart below displays the average cost to insure the two models for drivers aged 20 to 50. For a 2021 Honda Accord, average insurance cost ranges from $1,940 to $4,444 per year for the age groups used in the chart. A 2021 Honda Pilot costs from $1,744 to $3,986 to insure per year.

For the nine trim levels available for the 2021 Honda Accord, the cheapest trim to insure is the LX Sedan trim at an average cost of $1,944 per year, or $162 per month.

For the 14 trim levels available for the Honda Pilot, the cheapest 2021 trim level to insure is the LX 2WD model at a cost of $1,800.

When car insurance rates for all 23 trims of both models are combined and sorted by cost, the most affordable model and trim level to insure is the Honda Pilot LX 2WD at an average rate of $1,800 per year. The most expensive vehicle to insure is the Honda Accord Hybrid Touring Sedan at an average cost of $2,360 per year.

The next two rate tables display trim level insurance rates for each 2021 model, as well as the overall average rate for each model.

2020 Honda Accord vs. Honda Pilot

When comparing car insurance rates for 2020 models, a Honda Accord costs an average of $2,128 per year to insure while a Honda Pilot costs $1,912, making the Honda Pilot cheaper to insure by $216 per year for this model year.

The rate chart below displays the average cost to insure both models using drivers aged 20 to 50. For a 2020 Honda Accord, average insurance cost ranges from $1,886 to $4,320 per year for the different drivers illustrated in the chart. Insurance for a 2020 Honda Pilot costs from $1,690 to $3,860 on average per year.

The 2020 Honda Accord has nine trim levels available, with the cheapest trim to insure being the LX Sedan trim at an average cost of $1,890 per year, or $158 per month.

For the 14 trim and option levels available for the Honda Pilot, the cheapest 2020 trim package to insure is the LX 2WD trim at a cost of $1,746.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim to insure is the Honda Pilot LX 2WD at an average rate of $1,746 per year. The most expensive model and trim level is the Honda Accord Hybrid Touring Sedan at an average cost of $2,294 per year.

The tables below detail average car insurance cost by trim level for a 2020 Honda Accord and Honda Pilot, plus an average rate for each model. The cheapest model to insure for the 2020 model year is the Honda Pilot.

2019 Honda Accord vs. Honda Pilot

A 2019 Honda Pilot costs $170 less per year to insure per year on average than a 2019 Honda Accord, a difference of 8.7%.

The chart shown below displays the average car insurance cost for both models with different drivers at the wheel. The average cost of full-coverage insurance ranges from $1,810 to $4,148 per year on a 2019 Honda Accord, and $1,652 to $3,794 on a 2019 Honda Pilot for the five driver ages sampled in the chart

The 2019 Honda Accord has nine trim levels available, with the cheapest trim level to insure being the LX Sedan model at an average cost of $1,890 per year. For the 14 different trims available for the Honda Pilot, the cheapest 2019 trim package to insure is the LX 2WD trim at a cost of $1,710.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim level to insure is the Honda Pilot LX 2WD at an average rate of $1,710 per year, and the overall most expensive vehicle to insure is the Honda Accord Touring Sedan at an average cost of $2,176 per year.

The tables below break down the average insurance cost by trim level for both 2019 models, including an overall average rate.

2018 Honda Accord vs. Honda Pilot

When comparing average insurance cost for 2018 models, the Honda Accord costs $1,924 per year for full coverage and the Honda Pilot costs $1,778, making the Honda Pilot the model with cheaper insurance by $146 for the 2018 comparison year.

The next chart illustrates the average insurance cost for the two models for drivers from age 20 to 50. Average full-coverage insurance ranges from $1,712 to $3,906 per year on a 2018 Honda Accord, and $1,572 to $3,596 for a 2018 Honda Pilot for the age groups used in this illustration.

Out of 11 trims for the 2018 Honda Accord, the cheapest insurance prices are on the LX Sedan trim at a cost of $1,792 per year, or about $149 per month.

For the 17 option levels available for the Honda Pilot, the cheapest 2018 trim level to insure is the LX 2WD model at a cost of $1,654 per year, or about $138 per month.

When trim-level rates for both models are compared, the most affordable model and trim level to put coverage on is the Honda Pilot LX 2WD at an average of $1,654 per year, and the most expensive trim is the Honda Accord Touring Sedan costing $2,062 per year.

The tables below break down the expected annual car insurance cost by trim level for both 2018 models, plus the average rate for each model. The winner for the 2018 car insurance rate comparison is the Honda Pilot.

2017 Honda Accord vs. Honda Pilot

A 2017 Honda Pilot costs $156 less per year to insure per year on average than a 2017 Honda Accord, a difference of 8.8%.

The rate chart below illustrates the average cost to insure the two models rated for drivers aged 20 to 50. A full-coverage car insurance policy ranges from $1,654 to $3,752 per year for a 2017 Honda Accord, and $1,506 to $3,444 on a 2017 Honda Pilot for the chosen age groups in the chart

Out of 20 Honda Accord trim levels, the cheapest 2017 model to insure is the LX Sedan model at an average cost of $1,748 per year, or about $146 per month. For the 17 different trims available for the Honda Pilot, the cheapest 2017 model to insure is the LX 2WD trim at a cost of $1,588.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to put coverage on is the Honda Pilot LX 2WD at an average of $1,588 per year. The most expensive vehicle to insure is the Honda Accord Touring Coupe at an average cost of $1,982 per year.

The two tables below illustrate average car insurance rates for each trim level, plus an average rate for each model. The 2017 Honda Pilot comes out with a win over the 2017 Honda Accord for cheapest auto insurance rates.

2016 Honda Accord vs. Honda Pilot

A 2016 Honda Pilot costs $72 less per year to insure per year on average than a 2016 Honda Accord, a difference of 4.1%.

The chart below demonstrates the average car insurance cost for both models with different drivers at the wheel. For a 2016 Honda Accord, average car insurance cost ranges from $1,596 to $3,580 per year for the five driver ages sampled in the chart. Insurance on a 2016 Honda Pilot ranges from $1,524 to $3,474 on average per year.

Out of 17 trims for the 2016 Honda Accord, the cheapest average insurance prices are on the LX Sedan model at a cost of $1,656 per year, or about $138 per month. Out of the 17 different option levels available for the Honda Pilot, the cheapest 2016 trim level to insure is the LX 2WD model at a cost of $1,544.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to buy insurance for is the Honda Pilot LX 2WD at a cost of $1,544 per year. The highest-cost model and trim level is the Honda Accord Touring Coupe costing $1,944 per year.

The tables shown below illustrate average cost to insure each trim level for a 2016 Honda Accord and Honda Pilot, as well as an average rate for each model. The winner for the 2016 car insurance cost comparison is the Honda Pilot.

2015 Honda Accord vs. Honda Pilot

When comparing insurance rates for 2015 models, the Honda Accord costs an average of $1,576 per year for a full-coverage policy and the Honda Pilot costs $1,572, making the Honda Pilot the model with cheaper insurance by $4 for this comparison year.

The chart shown below visualizes the average car insurance cost for both models rated for multiple driver ages. For a 2015 Honda Accord, average insurance cost ranges from $1,414 to $3,158 per year for the age groups used in this illustration. Auto insurance for a 2015 Honda Pilot costs from $1,410 to $3,170 on average per year.

For the 16 trims available for the 2015 Honda Accord, the cheapest model to insure is the LX Sedan trim at an average cost of $1,426 per year, or about $119 per month.

The 2015 Honda Pilot has 14 different option levels available, with the cheapest model to insure being the SE 4WD model at an average cost of $1,396 per year.

When auto insurance rates for all 30 trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Honda Pilot SE 4WD at an average cost of $1,396 per year, and the most expensive vehicle to insure is the Honda Accord Hybrid Touring Sedan at a cost of $1,718 per year.

The next two tables display trim level insurance cost averages for both 2015 models, including an overall average rate. The model with the cheapest car insurance rates for 2015 is the Honda Pilot.

Additional Honda Accord and Honda Pilot Resources

• Honda Accord Insurance Cost
• Honda Pilot Insurance Cost
• Midsize Car Insurance Cost Comparisons
• Midsize SUV Insurance Cost Comparisons