Toyota 4Runner vs. Honda Pilot Car Insurance Cost

• When comparing 2024 models, a Honda Pilot costs less to insure than a Toyota 4Runner by an average of $188 per year.
• Average car insurance cost per month for the Toyota 4Runner is 9.9% more expensive than the Honda Pilot, at $170 versus $154, a difference of $16.
• Out of 34 models in the 2024 midsize SUV segment, the Toyota 4Runner ranks 26^th and the Honda Pilot ranks 18^th for cheapest auto insurance.
• If affordable car insurance is a priority, the SR5 2WD and SR5 4WD trims are the cheapest Toyota 4Runner models to insure, while the LX and LX AWD trims are the cheapest Honda Pilot models to insure.

Is it cheaper to insure a Toyota 4Runner or Honda Pilot?

Car insurance rates for a 2024 Toyota 4Runner cost an average of $2,036 per year, whereas insurance for a Honda Pilot costs an average of $1,848 per year, making the Honda Pilot the winner with the cheapest average insurance rates.

Out of 11 trims for the 2024 Toyota 4Runner, the cheapest rates are on the SR5 2WD trim at a cost of $1,952 per year, or $163 per month.

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

When comparing both models at a trim-level basis, the lowest-cost model and trim is the Honda Pilot LX at a cost of $1,726 per year. The most expensive model and trim level is the Toyota 4Runner TRD Pro 4WD at an average of $2,152 per year.

The rate table below compares and ranks the annual and monthly car insurance cost for 2024 Toyota 4Runner and Honda Pilot models, showing cost for each trim level of both models.

The chart shown below demonstrates the average cost to insure both models using a range of rated driver ages. For a 2024 Toyota 4Runner, insurance cost ranges from $1,814 to $4,138 per year for the age groups used in this illustration. A 2024 Honda Pilot costs from $1,634 to $3,746 to insure per year.

The tables shown below show the average insurance cost by trim level for both 2024 models, including an overall average cost for each model.

2023 Toyota 4Runner vs. Honda Pilot

For the 2023 model year, the model having the cheapest rates is the Toyota 4Runner. Average car insurance rates for the Toyota 4Runner are $1,728 per year, whereas insurance for a Honda Pilot costs an average of $1,776 per year.

Out of 12 trim levels for the 2023 Toyota 4Runner, the cheapest insurance rates are on the SR5 2WD trim at a cost of $1,640 per year. For the eight trims available for the Honda Pilot, the cheapest 2023 model to insure is the Sport trim at a cost of $1,678.

When trim-level rates for both models are compared, the lowest-cost model and trim level to insure is the Toyota 4Runner SR5 2WD at an average of $1,640 per year, and the most expensive model and trim level is the Honda Pilot Elite AWD at a cost of $1,868 per year.

The table shown below ranks the yearly and monthly cost of car insurance for 2023 Toyota 4Runner and Honda Pilot models, with average rates for every trim level for each model.

The chart shown below illustrates the average cost to insure the two models using drivers aged 20 to 50. Average car insurance cost ranges from $1,532 to $3,500 per year for a 2023 Toyota 4Runner, and $1,572 to $3,608 for a 2023 Honda Pilot for the illustrated age groups.

The next two tables illustrate both 2023 models and all trim levels available for each one, as well as an average rate for each model. The model with the cheapest overall car insurance cost for 2023 is the Toyota 4Runner.

2022 Toyota 4Runner vs. Honda Pilot

When comparing 2022 Toyota 4Runner and Honda Pilot models, the cheapest model to insure is the Toyota 4Runner. Insurance cost for the Toyota 4Runner averages $1,690 per year, whereas insurance for a Honda Pilot costs an average of $1,758 per year.

Within each different model, however, car insurance cost varies considerably for different trim levels.

For a 2022 Toyota 4Runner, average insurance rates range from the cheapest price of $1,602 per year for the SR5 2WD model up to the highest rate of $1,810 for the TRD Pro 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 to insure Black Edition model.

When rates are compared for both models, the cheapest model and trim level is the Toyota 4Runner SR5 2WD at an average of $1,602 per year, and the highest-cost model and trim is the Honda Pilot Black Edition costing an average of $1,854 per year.

For a 2022 Toyota 4Runner, the cheapest models are the SR5 2WD, SR5 4WD, and Trail Special Edition 2WD. The cheapest Honda Pilot models include the Sport, Special Edition, and EX-L. From a monthly standpoint, insurance rates for all 2022 Toyota 4Runner and Honda Pilot trim levels range from $134 to $155 per month.

The rate table below compares the yearly and monthly cost of car insurance for 2022 Toyota 4Runner and Honda Pilot models, showing average cost for each trim level.

When comparing car insurance rates for 2022 models, a Toyota 4Runner costs an average of $1,690 per year to insure and a Honda Pilot costs $1,758, making the Toyota 4Runner cheaper to insure by $68 per year.

The next chart displays the average cost to insure both models for the 20 to 50-year-old driver age groups. For a 2022 Toyota 4Runner, the average cost of car insurance ranges from $1,498 to $3,422 per year for the included age groups. A 2022 Honda Pilot costs from $1,554 to $3,570 to insure per year.

For the 13 trims available for the 2022 Toyota 4Runner, the cheapest trim level to insure is the SR5 2WD trim at an average cost of $1,602 per year.

Out of the seven trim levels available for the Honda Pilot, the cheapest 2022 trim level to insure is the Sport model at a cost of $1,640.

When comparing car insurance rates for both models by trim level, the cheapest vehicle to insure is the Toyota 4Runner SR5 2WD at a cost of $1,602 per year. The highest-cost model and trim level is the Honda Pilot Black Edition costing an average of $1,854 per year.

The next two rate tables show both 2022 models and all trim levels available for each one, along with an average cost for each model. The model with the cheapest average car insurance rates for 2022 is the Toyota 4Runner.

2021 Toyota 4Runner vs. Honda Pilot

When comparing insurance cost for the 2021 Toyota 4Runner and Honda Pilot models, the Honda Pilot is cheaper by an average of $148 per year for 2021.

The next chart demonstrates the average cost to insure both 2021 models with different ages of drivers. Insurance cost ranges from $1,518 to $3,480 per year for a 2021 Toyota 4Runner, and $1,380 to $3,152 for a 2021 Honda Pilot for the age groups used in the chart.

The 2021 Toyota 4Runner has 12 trim levels available, with the cheapest model to insure being the SR/5 2WD model at an average cost of $1,658 per year, or $138 per month.

For the 14 trims available for the Honda Pilot, the cheapest 2021 trim level to insure is the LX 2WD model at a cost of $1,424 per year, or around $119 per month.

When insurance rates for all 26 trims of both models are combined and sorted by cost, the cheapest vehicle to insure is the Honda Pilot LX 2WD at an average rate of $1,424 per year, and the most expensive model and trim level is the Toyota 4Runner TRD Pro 4WD costing $1,762 per year.

The next tables illustrate trim level insurance cost averages for both 2021 models, plus an average rate for each model. The 2021 Honda Pilot has more affordable average car insurance rates than the 2021 Toyota 4Runner.

2020 Toyota 4Runner vs. Honda Pilot

When comparing average insurance rates for 2020 models, a Toyota 4Runner costs an average of $1,662 per year to insure and a Honda Pilot costs $1,514, making the Honda Pilot cheaper to insure by $148 per year for this model year.

The next chart visualizes the average cost to insure the two models for drivers aged 20 to 50. Average insurance cost ranges from $1,476 to $3,380 per year for a 2020 Toyota 4Runner, and $1,336 to $3,052 for a 2020 Honda Pilot for the driver ages used.

The 2020 Toyota 4Runner has 12 trims available, with the cheapest trim to insure being the SR/5 2WD model at an average cost of $1,610 per year, or around $134 per month.

For the 14 trims available for the Honda Pilot, the cheapest 2020 trim to insure is the LX 2WD model at a cost of $1,382 per year, or $115 per month.

When comparing car insurance rates for both models by trim level, the overall cheapest vehicle to insure is the Honda Pilot LX 2WD at an average of $1,382 per year. The highest-cost model and trim is the Toyota 4Runner TRD Pro 4WD at an average of $1,710 per year.

The rate tables below display all the available trims for both 2020 models, including the average rate for each model. The model with the cheapest overall car insurance cost for 2020 is the Honda Pilot.

2019 Toyota 4Runner vs. Honda Pilot

For the 2019 Toyota 4Runner and Honda Pilot models, the Toyota 4Runner is cheaper to insure by an average of $46 per year.

The rate chart below displays the average cost to insure the two models for drivers from age 20 to 50. The average car insurance cost ranges from $1,292 to $2,952 per year for a 2019 Toyota 4Runner, and $1,324 to $3,040 for a 2019 Honda Pilot for the example age groups.

Out of nine trims for the 2019 Toyota 4Runner, the cheapest insurance rates are on the SR/5 2WD model at a cost of $1,384 per year.

The 2019 Honda Pilot has 14 trims available, with the cheapest trim to insure being the LX 2WD model at an average cost of $1,372 per year.

When trim-level rates for both models are compared, the cheapest trim to insure is the Honda Pilot LX 2WD at an average rate of $1,372 per year, and the highest-cost model and trim is the Honda Pilot Elite Navigation 4WD costing an average of $1,578 per year.

The next two tables illustrate the average insurance cost by trim level for both 2019 models, including the average rate for each model. The 2019 Toyota 4Runner comes out on top over the 2019 Honda Pilot for the cheapest average car insurance rates.

2018 Toyota 4Runner vs. Honda Pilot

When comparing insurance rates for 2018 models, a Toyota 4Runner costs an average of $1,378 per year to insure and a Honda Pilot costs $1,404, making the Toyota 4Runner cheaper to insure by $26 per year.

The rate chart below displays the average cost to insure the two models using drivers aged 20 to 50. For a 2018 Toyota 4Runner, average car insurance cost ranges from $1,228 to $2,798 per year for the illustrated age groups. A 2018 Honda Pilot costs from $1,242 to $2,844 to insure per year.

Out of nine Toyota 4Runner trims, the cheapest 2018 trim to insure is the SR/5 2WD trim at an average cost of $1,324 per year.

For the 17 trim levels available for the Honda Pilot, the cheapest 2018 trim to insure is the LX 2WD model at a cost of $1,308 per year, or around $109 per month.

When looking at the aggregated rates by trim for both models, the overall cheapest vehicle to insure is the Honda Pilot LX 2WD at a cost of $1,308 per year, and the overall most expensive vehicle to insure is the Honda Pilot Elite Navigation 4WD at a cost of $1,502 per year.

The tables below show average car insurance cost by trim level for a 2018 Toyota 4Runner and Honda Pilot, plus an average rate for each model.

2017 Toyota 4Runner vs. Honda Pilot

For the 2017 Toyota 4Runner and Honda Pilot models, the Toyota 4Runner has cheaper car insurance rates by an average of $18 per year.

The next chart visualizes the average cost to insure both 2017 models using drivers aged 20 to 50. Insurance cost ranges from $1,184 to $2,692 per year for a 2017 Toyota 4Runner, and $1,192 to $2,722 for a 2017 Honda Pilot for the included age groups.

Out of nine trim levels for the 2017 Toyota 4Runner, the cheapest insurance rates are on the SR/5 2WD trim at a cost of $1,276 per year.

For the 17 trims available for the Honda Pilot, the cheapest 2017 trim to insure is the LX 2WD trim at a cost of $1,256 per year, or around $105 per month.

When comparing rates by trim level for both models, the cheapest trim to insure is the Honda Pilot LX 2WD at an average cost of $1,256 per year. The highest-cost model and trim is the Honda Pilot Elite Navigation 4WD at an average of $1,440 per year.

The tables below illustrate the average insurance cost by trim level for both 2017 models, along with an average cost for each model.

2016 Toyota 4Runner vs. Honda Pilot

For 2016 Toyota 4Runner and Honda Pilot models, the Toyota 4Runner has cheaper car insurance rates by an average of $52 per year.

The next chart demonstrates the average cost to insure the two models for drivers from age 20 to 50. Average insurance cost ranges from $1,160 to $2,616 per year for a 2016 Toyota 4Runner, and $1,204 to $2,750 for a 2016 Honda Pilot for the included age groups.

For the nine trim levels available for the 2016 Toyota 4Runner, the cheapest trim level to insure is the SR/5 2WD model at an average cost of $1,258 per year, or around $105 per month.

For the 17 trim levels 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 the 2016 model year of both models are compared, the cheapest model and trim level to insure is the Honda Pilot LX 2WD at an average rate of $1,220 per year. The most expensive vehicle to insure is the Honda Pilot Elite Navigation 4WD at a cost of $1,456 per year.

The next tables illustrate trim level insurance cost averages for both 2016 models, plus an average rate for each model.

2015 Toyota 4Runner vs. Honda Pilot

When comparing average insurance cost for 2015 models, the Toyota 4Runner costs an average of $1,278 per year to insure and the Honda Pilot costs $1,246, making the Honda Pilot the winner by $32 for 2015.

The chart shown below visualizes the average cost to insure both 2015 models for different driver ages. The average car insurance cost ranges from $1,138 to $2,584 per year for a 2015 Toyota 4Runner, and $1,116 to $2,506 for a 2015 Honda Pilot for the age groups used in this illustration.

Out of nine Toyota 4Runner trim levels, the cheapest 2015 trim level to insure is the SR/5 2WD model at an average cost of $1,244 per year.

The 2015 Honda Pilot has 14 trim levels available, with the cheapest model to insure being the SE 4WD trim at an average cost of $1,106 per year.

When trim-level rates for both models are compared, the lowest-cost model and trim to insure is the Honda Pilot SE 4WD at an average cost of $1,106 per year, and the most expensive trim is the Honda Pilot Touring 4WD at an average cost of $1,324 per year.

The two tables below show the average insurance cost by trim level for both 2015 models, as well as an average rate for each model. The model with the cheapest overall car insurance rates for 2015 is the Honda Pilot.

Additional Toyota 4Runner and Honda Pilot Resources

• Toyota 4Runner Insurance Rates
• Honda Pilot Insurance Rates
• Midsize SUV Insurance Rate Comparisons