Toyota Highlander vs. Honda Pilot Car Insurance Comparison

• A 2024 Toyota Highlander has less-expensive car insurance than a 2024 Honda Pilot by an average of $156 per year, $2,180 compared to $2,336.
• For a 2024 Toyota Highlander, average insurance rates range from $2,006 to $2,370 per year, while insurance for a 2024 Honda Pilot ranges from $2,186 to $2,482.
• Average car insurance cost per month for the Honda Pilot is 6.9% more expensive than the Toyota Highlander, at $182 versus $195, a difference of $13.
• Out of 34 models in the 2024 midsize SUV segment, the Toyota Highlander ranks ninth and the Honda Pilot ranks 18^th for cheapest auto insurance.
• If the cheapest monthly payments are the most important factor, the LE 2WD and Hybrid LE 2WD trims are the cheapest Toyota Highlander models to insure, while the LX and LX AWD trims are the cheapest Honda Pilot models to insure.

Is insurance cheaper on a Toyota Highlander or Honda Pilot?

For new Highlander and Pilot models, the vehicle with the cheapest average car insurance rates is the Toyota Highlander. Insurance cost for the Toyota Highlander averages $2,180 per year, whereas insurance for a Honda Pilot averages $2,336 per year.

Out of 20 trim levels for the 2024 Toyota Highlander, the cheapest insurance rates are on the LE 2WD trim at a cost of $2,006 per year.

Out of the 10 trim levels available for the Honda Pilot, the cheapest 2024 model to insure is the LX model at a cost of $2,186 per year, or about $182 per month.

When rates for all 30 trim levels for both vehicles are compared, the cheapest trim is the Toyota Highlander LE 2WD at an average rate of $2,006 per year. The highest-cost model and trim is the Honda Pilot Elite AWD costing an average of $2,482 per year.

The next table compares and ranks the 12-month and monthly car insurance cost for 2024 Toyota Highlander and Honda Pilot models, with average cost for each trim level.

The chart below illustrates the average cost to insure both models for four different driver age groups. For a 2024 Toyota Highlander, average car insurance cost ranges from $1,928 to $4,372 per year for the included age groups. A 2024 Honda Pilot costs from $2,064 to $4,734 to insure per year.

The next tables display average car insurance rates for each trim level, along with an average cost for each model.

2023 Toyota Highlander vs. Honda Pilot

Insurance on a 2023 Toyota Highlander costs an average of $2,340 per year, whereas insurance for a Honda Pilot averages $2,246 per year, making the Honda Pilot the cheaper of the two models to insure.

Out of 22 Toyota Highlander trims, the cheapest 2023 trim to insure is the L 2WD model at an average cost of $2,050 per year, or $171 per month. For the eight trim levels available for the Honda Pilot, the cheapest 2023 model to insure is the Sport trim at a cost of $2,122.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the Toyota Highlander L 2WD at an average of $2,050 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,628 per year.

The table shown below compares and ranks the yearly and monthly cost of car insurance for 2023 Toyota Highlander and Honda Pilot models, broken down by trim level.

The rate chart below displays the average cost to insure both 2023 models for the 20 to 50-year-old driver age groups. For a 2023 Toyota Highlander, the average cost of car insurance ranges from $2,066 to $4,746 per year for the driver ages used. A 2023 Honda Pilot costs from $1,986 to $4,558 to insure per year.

The rate tables below display all the available trims for both 2023 models, including an overall average rate.

2022 Toyota Highlander vs. Honda Pilot

Average insurance rates for a 2022 Toyota Highlander are $2,204 per year, and the 2022 Honda Pilot costs an average of $2,220 per year, making the Toyota Highlander the model with lower average insurance cost.

Auto insurance cost varies noticeably for each different trim level, however. For a 2022 Toyota Highlander, car insurance rates range from $1,932 per year for the L 2WD model up to $2,480 for the Hybrid Platinum AWD model. For a 2022 Honda Pilot, rates range from $2,072 per year for the Sport model up to $2,342 for the most expensive to insure Black Edition model.

When rates are compared for both models, the most affordable model and trim level is the Toyota Highlander L 2WD at an average cost of $1,932 per year, and the most expensive trim is the Toyota Highlander Hybrid Platinum AWD at a cost of $2,480 per year.

For a 2022 Toyota Highlander, the cheapest models are the L 2WD, L AWD, and LE 2WD. The cheapest Honda Pilot models include the Sport, Special Edition, and EX-L.

From a monthly standpoint, insurance rates for all 2022 Toyota Highlander and Honda Pilot models and trims range from $161 to $207 per month.

The next table compares and ranks the annual and monthly cost of car insurance for 2022 Toyota Highlander and Honda Pilot models, showing average cost by trim level for each model.

When comparing average insurance cost for 2022 models, the Toyota Highlander costs an average of $2,204 per year to insure and the Honda Pilot costs $2,220, making the Toyota Highlander the winner by $16 for 2022.

The rate chart below displays the average cost to insure both 2022 models for a range of driver ages. The average cost of car insurance ranges from $1,946 to $4,476 per year for a 2022 Toyota Highlander, and $1,962 to $4,512 for a 2022 Honda Pilot for the driver ages used.

Out of 22 Toyota Highlander trims, the cheapest 2022 trim level to insure is the L 2WD model at an average cost of $1,932 per year, or around $161 per month.

The 2022 Honda Pilot has seven trim levels available, with the cheapest trim to insure being the Sport trim at an average cost of $2,072 per year.

When looking at the aggregated rates by trim for both models, the cheapest vehicle to insure is the Toyota Highlander L 2WD at a cost of $1,932 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,480 per year.

The two tables below illustrate both 2022 models and all trim levels available for each one, along with the average rate for each model. The 2022 Toyota Highlander reigns victorious over the 2022 Honda Pilot for the cheapest average car insurance rates.

2021 Toyota Highlander vs. Honda Pilot

For the 2021 Toyota Highlander and Honda Pilot models, the Honda Pilot has cheaper car insurance cost by an average of $278 per year for this model year.

The chart below displays the average cost to insure both 2021 models using a range of rated driver ages. For a 2021 Toyota Highlander, average car insurance cost ranges from $1,998 to $4,598 per year for these driver ages. A 2021 Honda Pilot costs from $1,744 to $3,986 to insure per year.

The 2021 Toyota Highlander has 17 trim levels available, with the cheapest model to insure being the L 2WD model at an average cost of $1,982 per year, or around $165 per month. For the 14 trim levels available for the Honda Pilot, the cheapest 2021 model to insure is the LX 2WD model at a cost of $1,800.

When looking at the aggregated rates by trim for both models, the lowest-cost model and trim to insure is the Honda Pilot LX 2WD at a cost of $1,800 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD at a cost of $2,598 per year.

The next two rate tables show both 2021 models and all trim levels available for each one, as well as an average rate for each model. The 2021 Honda Pilot has cheaper average car insurance rates than the 2021 Toyota Highlander.

2020 Toyota Highlander vs. 2020 Honda Pilot

When comparing insurance cost for 2020 models, the Toyota Highlander costs an average of $2,192 per year to insure and the Honda Pilot costs $1,912, making the Honda Pilot the winner by $280.

The rate chart below demonstrates the average cost to insure both 2020 models with different ages of drivers. The average car insurance cost ranges from $1,944 to $4,472 per year for a 2020 Toyota Highlander, and $1,690 to $3,860 for a 2020 Honda Pilot for the included age groups.

Out of 17 trim levels for the 2020 Toyota Highlander, the cheapest average car insurance prices are on the L 2WD trim at a cost of $1,928 per year, or around $161 per month.

The 2020 Honda Pilot has 14 trims available, with the cheapest trim level to insure being the LX 2WD model at an average cost of $1,746 per year, or around $146 per month.

When all 31 trims of both models are combined and compared, the most affordable model and trim level to insure is the Honda Pilot LX 2WD at a cost of $1,746 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,526 per year.

The rate tables below illustrate all the available trims for both 2020 models, plus an average rate for each model. The winner for the 2020 car insurance comparison is the Honda Pilot.

2019 Toyota Highlander vs. 2019 Honda Pilot

When comparing average insurance rates for the 2019 Toyota Highlander and Honda Pilot models, the Honda Pilot has cheaper rates by an average of $192 per year.

The chart below illustrates the average cost to insure both models with different ages of drivers. For a 2019 Toyota Highlander, average insurance cost ranges from $1,828 to $4,208 per year for the age groups used in this illustration. A 2019 Honda Pilot costs from $1,652 to $3,794 to insure per year.

For the 17 trims available for the 2019 Toyota Highlander, the cheapest trim to insure is the LE 2WD model at an average cost of $1,854 per year. Out of the 14 trim levels available for the Honda Pilot, the cheapest 2019 trim level to insure is the LX 2WD trim at a cost of $1,710.

When comparing rates by trim level for both models, the most affordable model and trim level to insure is the Honda Pilot LX 2WD at an average cost of $1,710 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Limited Platinum 4WD at an average cost of $2,262 per year.

The rate tables below show the expected annual car insurance cost by trim level for both 2019 models, including an overall average rate.

2018 Toyota Highlander vs. 2018 Honda Pilot

When comparing average insurance rates for the 2018 Toyota Highlander and Honda Pilot models, the Honda Pilot has cheaper rates by an average of $192 per year for this model year.

The rate chart below shows the average cost to insure both 2018 models with different ages of drivers. For a 2018 Toyota Highlander, the average car insurance cost ranges from $1,750 to $4,014 per year. A 2018 Honda Pilot costs from $1,572 to $3,596 to insure per year.

Out of 16 trim levels for the 2018 Toyota Highlander, the cheapest insurance prices are on the LE 2WD trim at a cost of $1,772 per year, or about $148 per month. For the 17 trims available for the Honda Pilot, the cheapest 2018 trim level to insure is the LX 2WD trim at a cost of $1,654 per year, or $138 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the Honda Pilot LX 2WD at an average of $1,654 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD costing an average of $2,184 per year.

The next two rate tables show average car insurance rates for every trim level for both 2018 models, including the average rate for each model. The model with the cheapest overall car insurance cost for 2018 is the Honda Pilot.

2017 Toyota Highlander vs. 2017 Honda Pilot

When comparing insurance rates for the 2017 Toyota Highlander and Honda Pilot models, the Honda Pilot has cheaper rates by an average of $176 per year for this comparison year.

The rate chart below demonstrates the average cost to insure both models with different driver age groups. For a 2017 Toyota Highlander, average insurance cost ranges from $1,670 to $3,820 per year for the illustrated age groups. A 2017 Honda Pilot costs from $1,506 to $3,444 to insure per year.

The 2017 Toyota Highlander has 14 trim levels available, with the cheapest model to insure being the LE 2WD model at an average cost of $1,704 per year.

The 2017 Honda Pilot has 17 trim levels available, with the cheapest model to insure being the LX 2WD trim at an average cost of $1,588 per year.

When all 31 trims of both models are combined and compared, the overall cheapest vehicle to insure is the Honda Pilot LX 2WD at an average rate of $1,588 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,076 per year.

The tables shown below illustrate all the available trims for both 2017 models, including an overall average rate. The cheapest of the two models to insure for the 2017 model year is the Honda Pilot.

2016 Toyota Highlander vs. 2016 Honda Pilot

When comparing car insurance rates for the 2016 Toyota Highlander and Honda Pilot models, the Honda Pilot is cheaper by an average of $136 per year for this comparison year.

The rate chart below visualizes the average cost to insure both 2016 models using drivers aged 20 to 50. For a 2016 Toyota Highlander, the average car insurance cost ranges from $1,650 to $3,748 per year for the driver ages used. A 2016 Honda Pilot costs from $1,524 to $3,474 to insure per year.

For the 12 trims available for the 2016 Toyota Highlander, the cheapest trim level to insure is the LE 2WD model at an average cost of $1,674 per year, or $140 per month.

Out of the 17 trims available for the Honda Pilot, the cheapest 2016 trim to insure is the LX 2WD trim at a cost of $1,544.

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 $1,544 per year, and the highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $2,078 per year.

The tables below display average car insurance rates for every trim level for both 2016 models, plus an average rate for each model.

2015 Toyota Highlander vs. 2015 Honda Pilot

When comparing car insurance rates for 2015 models, the Toyota Highlander costs an average of $1,660 per year to insure and the Honda Pilot costs $1,572, making the Honda Pilot the winner by $88.

The chart below displays the average cost to insure the two models rated for drivers aged 20 to 50. For a 2015 Toyota Highlander, insurance cost ranges from $1,482 to $3,356 per year for the illustrated age groups. A 2015 Honda Pilot costs from $1,410 to $3,170 to insure per year.

The 2015 Toyota Highlander has 12 trim levels available, with the cheapest model to insure being the LE 2WD trim at an average cost of $1,496 per year, or around $125 per month.

For the 14 trims available for the Honda Pilot, the cheapest 2015 model to insure is the SE 4WD trim at a cost of $1,396 per year, or $116 per month.

When comparing car insurance rates for both models by trim level, the lowest-cost model and trim to insure is the Honda Pilot SE 4WD at an average of $1,396 per year. The highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD at a cost of $1,916 per year.

The two tables below display the cost to insure the available trim levels for both 2015 models, as well as the overall average rate for each model. The winner for the 2015 car insurance rate comparison is the Honda Pilot.

Additional Toyota Highlander and Honda Pilot Resources

• Toyota Highlander Insurance Rates
• Honda Pilot Insurance Rates
• Midsize SUV Insurance Rate Comparisons