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 $148 per year, $2,132 compared to $2,280.
• For a 2024 Toyota Highlander, average insurance rates range from $1,958 to $2,316 per year, while insurance for a 2024 Honda Pilot ranges from $2,132 to $2,422.
• Average car insurance cost per month for the Honda Pilot is 6.5% more expensive than the Toyota Highlander, at $178 versus $190, a difference of $12.
• 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 $2,132 per year, whereas insurance for a Honda Pilot averages $2,280 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 $1,958 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 $2,132 per year, or about $178 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 $1,958 per year. The highest-cost model and trim is the Honda Pilot Elite AWD costing an average of $2,422 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 $1,880 to $4,268 per year for the included age groups. A 2024 Honda Pilot costs from $2,014 to $4,622 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 $2,284 per year, whereas insurance for a Honda Pilot averages $2,192 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 $2,002 per year, or $167 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 $2,072.

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 $2,002 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,566 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 $2,018 to $4,632 per year for the driver ages used. A 2023 Honda Pilot costs from $1,940 to $4,450 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 $2,150 per year, and the 2022 Honda Pilot costs an average of $2,168 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 $1,886 per year for the L 2WD model up to $2,424 for the Hybrid Platinum AWD model. For a 2022 Honda Pilot, rates range from $2,024 per year for the Sport model up to $2,288 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 $1,886 per year, and the most expensive trim is the Toyota Highlander Hybrid Platinum AWD at a cost of $2,424 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 $157 to $202 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 $2,150 per year to insure and the Honda Pilot costs $2,168, making the Toyota Highlander the winner by $18 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 $1,902 to $4,366 per year for a 2022 Toyota Highlander, and $1,916 to $4,406 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 $1,886 per year, or around $157 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 $2,024 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 $1,886 per year, and the most expensive model and trim level is the Toyota Highlander Hybrid Platinum AWD at an average cost of $2,424 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 $274 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 $1,952 to $4,488 per year for these driver ages. A 2021 Honda Pilot costs from $1,702 to $3,890 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 $1,936 per year, or around $161 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 $1,756.

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 $1,756 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Platinum 4WD at a cost of $2,536 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 $2,140 per year to insure and the Honda Pilot costs $1,868, making the Honda Pilot the winner by $272.

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 $1,900 to $4,366 per year for a 2020 Toyota Highlander, and $1,648 to $3,764 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 $1,880 per year, or around $157 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 $1,704 per year, or around $142 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 $1,704 per year, and the highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,464 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 $186 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 $1,784 to $4,108 per year for the age groups used in this illustration. A 2019 Honda Pilot costs from $1,612 to $3,704 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 $1,810 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 $1,670.

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 $1,670 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Limited Platinum 4WD at an average cost of $2,208 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 $1,708 to $3,916 per year. A 2018 Honda Pilot costs from $1,532 to $3,508 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 $1,730 per year, or about $144 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 $1,614 per year, or $135 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 $1,614 per year. The most expensive vehicle to insure is the Toyota Highlander Hybrid Limited 4WD costing an average of $2,132 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 $174 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 $1,628 to $3,726 per year for the illustrated age groups. A 2017 Honda Pilot costs from $1,470 to $3,360 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 $1,666 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 $1,550 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 $1,550 per year. The most expensive model and trim level is the Toyota Highlander Hybrid Platinum 4WD costing an average of $2,030 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 $1,612 to $3,658 per year for the driver ages used. A 2016 Honda Pilot costs from $1,486 to $3,394 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 $1,636 per year, or $136 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 $1,506.

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 $1,506 per year, and the highest-cost model and trim is the Toyota Highlander Hybrid Platinum 4WD at an average cost of $2,028 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 $1,620 per year to insure and the Honda Pilot costs $1,536, making the Honda Pilot the winner by $84.

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 $1,446 to $3,274 per year for the illustrated age groups. A 2015 Honda Pilot costs from $1,378 to $3,092 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 $1,460 per year, or around $122 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 $1,366 per year, or $114 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 $1,366 per year. The highest-cost model and trim level is the Toyota Highlander Hybrid Platinum 4WD at a cost of $1,872 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