- Honda Pilot insurance costs an average of $2,280 per year, $1,140 for a 6-month policy, or $190 per month for full coverage insurance on a Honda Pilot, depending on the trim level.
- Honda Pilot insurance rates range from $2,132 to $2,422 annually on average, depending on trim level.
- The 2024 Honda Pilot is one of the cheaper midsize SUVs to insure, costing $34 less per year on average as compared to the rest of the vehicles in the segment.
- Insurance for a used Honda Pilot could save around $910 or more per year over the cost of insuring a 2024 model.
Honda Pilot Insurance Cost by Driver Age and Deductible
Full coverage car insurance for the Honda Pilot averages $2,280 per year, which is about $190 each month. If broken down by type of coverage, collision coverage costs about $1,120 a year, liability and medical coverage is an estimated $620, and the remaining comprehensive costs around $540.
The infographic below details how average 2024 Pilot car insurance rates vary with differences in driver age and a range of policy deductibles. The prices shown are for an annual policy, and vary from the cheapest rate of $1,586 per year for a 60-year-old driver with deductibles of $1,000 to the highest cost estimate of $5,412 annually for a driver age 20 with deductibles of $250.
The data in this infographic hits on two important car insurance concepts.
First, as you age, insurance rates drop (all other things kept constant). Younger drivers are more prone to accidents that result in claims, so they pay higher car insurance rates.
As you age and become a more experienced (and usually cautious) driver, insurers reward this behavior by lowering the rate you pay.
This downward trend will continue until around age 65, at which point rates will start trending upwards again.
The second important concept covered by the data is the impact on your choice of deductible on rates.
A deductible is the amount of money you are willing to pay before your insurer covers the remainder of a claim. So for example, if you back into a light pole and cause $1,300 damage to your bumper and have a $500 deductible, you will be responsible for the first $500 of the damage repair bill while your insurance company will pay the remaining $800.
By choosing a higher deductible, you are choosing to accept more of the out-of-pocket expense associated with an insurance claim. Since your insurance company is on the hook for a lower amount, you pay a lower premium for coverage.
Pilot Insurance Rates by Trim Level
The cheapest model of Honda Pilot to insure is the LX at an estimated $2,132 per year. The next cheapest model is the LX AWD at $2,186 per year.
The three most expensive Honda Pilot models to insure are the Pilot TrailSport AWD, the Touring AWD, and the Elite AWD trim levels at $2,366, $2,374, and $2,422 per year, respectively.
The rate table below displays average auto insurance policy costs for full coverage on a 2024 Honda Pilot.
| 2024 Honda Pilot Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| LX | $2,132 | $178 |
| LX AWD | $2,186 | $182 |
| Sport | $2,192 | $183 |
| Sport AWD | $2,240 | $187 |
| EX-L | $2,254 | $188 |
| EX-L AWD | $2,294 | $191 |
| Touring | $2,340 | $195 |
| TrailSport AWD | $2,366 | $197 |
| Touring AWD | $2,374 | $198 |
| Elite AWD | $2,422 | $202 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025
The Pilot vs. Other Midsize SUVs
The Honda Pilot ranks 18th out of 34 total vehicles in the 2024 midsize SUV category. The Pilot costs an average of $2,280 per year for insurance, while the class median average cost is $2,314 annually, a difference of $34 per year.
When compared to other top-selling vehicles in the midsize SUV class, car insurance for a Honda Pilot costs $62 less per year than the Jeep Grand Cherokee, $148 more than the Toyota Highlander, $156 more than the Ford Explorer, and $164 less than the Kia Telluride.
The table below ranks the entire 2024 mid-size SUV segment for insurance affordability and also compares each rate to the Pilot. The difference value indicates how much higher or lower average insurance rates are for each model when compared to the average cost to insure a Honda Pilot.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,866 | -$414 |
| 2 | Nissan Murano | $1,968 | -$312 |
| 3 | Subaru Outback | $1,994 | -$286 |
| 4 | Buick Envista | $2,004 | -$276 |
| 5 | Subaru Ascent | $2,038 | -$242 |
| 6 | Volkswagen Atlas | $2,078 | -$202 |
| 7 | Volkswagen Atlas Cross Sport | $2,086 | -$194 |
| 8 | Ford Explorer | $2,124 | -$156 |
| 9 | Toyota Highlander | $2,132 | -$148 |
| 10 | Toyota Venza | $2,136 | -$144 |
| 11 | Chevrolet Traverse | $2,186 | -$94 |
| 12 | Mitsubishi Outlander Sport | $2,198 | -$82 |
| 13 | Mitsubishi Outlander PHEV | $2,210 | -$70 |
| 14 | Ford Edge | $2,214 | -$66 |
| 15 | Kia Sorento | $2,222 | -$58 |
| 16 | GMC Acadia | $2,262 | -$18 |
| 17 | Buick Enclave | $2,266 | -$14 |
| 18 | Honda Pilot | $2,280 | -- |
| 19 | Mazda CX-9 | $2,286 | $6 |
| 20 | Jeep Grand Cherokee | $2,342 | $62 |
| 21 | Hyundai Santa Fe | $2,382 | $102 |
| 22 | Nissan Pathfinder | $2,384 | $104 |
| 23 | Hyundai Palisade | $2,394 | $114 |
| 24 | Chevrolet Blazer | $2,416 | $136 |
| 25 | Kia Telluride | $2,444 | $164 |
| 26 | Toyota 4Runner | $2,510 | $230 |
| 27 | Mazda CX-90 | $2,522 | $242 |
| 28 | Toyota Grand Highlander | $2,552 | $272 |
| 29 | Kia EV9 | $2,568 | $288 |
| 30 | Tesla Model Y | $2,592 | $312 |
| 31 | Ford Bronco | $2,600 | $320 |
| 32 | Jeep Wrangler | $2,676 | $396 |
| 33 | Dodge Durango | $2,872 | $592 |
| 34 | Rivian R1S | $2,882 | $602 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated June 27, 2025
When we factor in sticker price, we can find out how insurance cost compares between the Pilot and other midsize SUV models in a similar price range. With an average MSRP of $44,166, the cost to purchase a 2024 Honda Pilot ranges from $37,090 to $52,480, before destination charges and documentation fees.
The midsize non-luxury SUVs most similar in price to the Pilot for the 2024 model year are the Volkswagen Atlas, Volkswagen Atlas Cross Sport, Toyota Highlander, Mazda CX-9, and Hyundai Santa Fe.
The next list shows how those five models compare to the Honda Pilot for MSRP and insurance policy cost.
- Compared to the Volkswagen Atlas – The 2024 Volkswagen Atlas has an average retail price of $44,111 ($37,725 to $52,850), which is $55 cheaper than the average MSRP for the Pilot. The cost to insure a Pilot compared to the Volkswagen Atlas is $202 more per year on average.
- Compared to the Volkswagen Atlas Cross Sport – With an average MSRP of $43,927 ($36,715 to $51,840), the 2024 Volkswagen Atlas Cross Sport costs $239 less than the average sticker price for the Pilot. Insurance on the Volkswagen Atlas Cross Sport costs an average of $194 less per year than the Honda Pilot.
- Compared to the Toyota Highlander – The 2024 Toyota Highlander has an average retail price of $44,533 ($37,625 to $51,630), which is $367 more expensive than the average MSRP for the Pilot. The cost to insure a 2024 Honda Pilot compared to the Toyota Highlander is $148 more every 12 months on average.
- Compared to the Mazda CX-9 – The Mazda CX-9 has an average sticker price of $43,796, ranging from $38,750 to $48,460, which is $370 cheaper than the average sticker price for the Pilot. Full-coverage insurance on the Mazda CX-9 costs an average of $6 more per year than the Honda Pilot.
- Compared to the Hyundai Santa Fe – The cost of the Hyundai Santa Fe averages $575 less than the average MSRP for the Honda Pilot ($43,591 compared to $44,166). Car insurance on the Hyundai Santa Fe costs an average of $102 more than the average for the 2024 Honda Pilot.
Is Insurance Cheaper on a Used Honda Pilot?
Full-coverage car insurance on a 2013 Honda Pilot averages around $1,368 per year, a 2016 model costs about $1,670 per year, and a 2019 model costs $1,826 per year.
The following data table shows average car insurance rates for a Honda Pilot for the 2013 to 2024 model years. In this example, insurance costs range from the cheapest rate of $1,368 for the 2013 model to the most expensive cost of $2,280 for a 2024 Honda Pilot.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Honda Pilot | $2,280 | $190 |
| 2023 Honda Pilot | $2,192 | $183 |
| 2022 Honda Pilot | $2,168 | $181 |
| 2021 Honda Pilot | $1,928 | $161 |
| 2020 Honda Pilot | $1,868 | $156 |
| 2019 Honda Pilot | $1,826 | $152 |
| 2018 Honda Pilot | $1,732 | $144 |
| 2017 Honda Pilot | $1,660 | $138 |
| 2016 Honda Pilot | $1,670 | $139 |
| 2015 Honda Pilot | $1,536 | $128 |
| 2014 Honda Pilot | $1,476 | $123 |
| 2013 Honda Pilot | $1,368 | $114 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Honda Pilot trim levels for each model year. Updated June 27, 2025
After the vehicle depreciates considerably, you should make the decision to delete coverage for physical damage claims from an insurance policy. As vehicles age and their value decreases from depreciation, the costs required to maintain physical damage coverage surpass any added benefit.
Dropping physical damage coverage on an older Honda Pilot could save around $804 per year, depending on the coverage deductibles and the age of the driver rated on the vehicle.
Pilot Insurance Where You Live
The cost of car insurance for a Pilot varies significantly from cheaper locations like $1,774 a year in Raleigh, NC, or $1,848 in Virginia Beach, VA, to more expensive rates such as $3,014 a year in Miami, FL, and $3,366 in Philadelphia, PA. Rate averages for some other cities include Fresno, CA, at $2,640 per year, Houston, TX, costing $2,444, Oakland, CA, at $2,982, and Minneapolis, MN, averaging $2,428.
The bar chart below shows typical insurance premiums on a 2024 Honda Pilot for the largest metro areas in America. The estimated costs range from $1,972 per year in Columbus, OH, to $3,702 in New York City, a difference of $1,730.
