- Honda Pilot insurance costs an average of $1,848 per year, $924 for a 6-month policy, or $154 per month for full coverage insurance on a Honda Pilot, depending on the trim level.
- Honda Pilot insurance rates range from $1,726 to $1,962 annually on average, depending on trim level.
- The 2024 Honda Pilot is one of the cheaper midsize SUVs to insure, costing $26 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 $730 or more per year over the cost of insuring a 2024 model.
How much does Honda Pilot car insurance cost?
Full coverage car insurance for the Honda Pilot averages $1,848 per year, which is about $154 each month. If broken down by type of coverage, collision coverage costs about $908 a year, liability and medical coverage is an estimated $502, and the remaining comprehensive costs around $438.
The chart 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 $1,284 per year for a 60-year-old driver with deductibles of $1,000 to the highest cost estimate of $4,386 annually for a driver age 20 with deductibles of $250.
To better illustrate how variable insurance rates are for a Pilot, keep in mind that choosing a liability-only policy in the cheapest areas of Iowa or Illinois can be as low as $244 a year, while a newly-licensed teen driver with a poor driving record in some of the more expensive areas of the U.S. would pay many times this amount.
Which Pilot trim level is the cheapest to insure?
The cheapest model of Honda Pilot to insure is the LX at an estimated $1,726 per year. The next cheapest model is the LX AWD at $1,770 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 $1,918, $1,922, and $1,962 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 | $1,726 | $144 |
| LX AWD | $1,770 | $148 |
| Sport | $1,776 | $148 |
| Sport AWD | $1,816 | $151 |
| EX-L | $1,826 | $152 |
| EX-L AWD | $1,860 | $155 |
| Touring | $1,894 | $158 |
| TrailSport AWD | $1,918 | $160 |
| Touring AWD | $1,922 | $160 |
| Elite AWD | $1,962 | $164 |
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 February 23, 2024
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 $1,848 per year for insurance, while the class median average cost is $1,874 annually, a difference of $26 per year.
When compared to other top-selling vehicles in the midsize SUV class, car insurance for a Honda Pilot costs $50 less per year than the Jeep Grand Cherokee, $120 more than the Toyota Highlander, $126 more than the Ford Explorer, and $130 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 | $1,512 | -$336 |
| 2 | Nissan Murano | $1,594 | -$254 |
| 3 | Subaru Outback | $1,618 | -$230 |
| 4 | Buick Envista | $1,622 | -$226 |
| 5 | Subaru Ascent | $1,652 | -$196 |
| 6 | Volkswagen Atlas | $1,684 | -$164 |
| 7 | Volkswagen Atlas Cross Sport | $1,690 | -$158 |
| 8 | Ford Explorer | $1,722 | -$126 |
| 9 | Toyota Highlander | $1,728 | -$120 |
| 10 | Toyota Venza | $1,732 | -$116 |
| 11 | Chevrolet Traverse | $1,770 | -$78 |
| 12 | Mitsubishi Outlander Sport | $1,782 | -$66 |
| 13 | Mitsubishi Outlander PHEV | $1,784 | -$64 |
| 14 | Kia Sorento | $1,800 | -$48 |
| 15 | Ford Edge | $1,802 | -$46 |
| 16 | Buick Enclave | $1,828 | -$20 |
| 17 | GMC Acadia | $1,832 | -$16 |
| 18 | Honda Pilot | $1,848 | -- |
| 19 | Mazda CX-9 | $1,852 | $4 |
| 20 | Jeep Grand Cherokee | $1,898 | $50 |
| 21 | Nissan Pathfinder | $1,928 | $80 |
| 22 | Hyundai Santa Fe | $1,930 | $82 |
| 23 | Hyundai Palisade | $1,932 | $84 |
| 24 | Chevrolet Blazer | $1,958 | $110 |
| 25 | Kia Telluride | $1,978 | $130 |
| 26 | Toyota 4Runner | $2,036 | $188 |
| 27 | Mazda CX-90 | $2,044 | $196 |
| 28 | Toyota Grand Highlander | $2,066 | $218 |
| 29 | Kia EV9 | $2,080 | $232 |
| 30 | Tesla Model Y | $2,100 | $252 |
| 31 | Ford Bronco | $2,104 | $256 |
| 32 | Jeep Wrangler | $2,168 | $320 |
| 33 | Rivian R1S | $2,328 | $480 |
| 34 | Dodge Durango | $2,330 | $482 |
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 February 23, 2024
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 $164 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 $158 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 $120 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 $4 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 $82 more than the average for the 2024 Honda Pilot.
How much is insurance on a used Honda Pilot?
Full-coverage car insurance on a 2013 Honda Pilot averages around $1,110 per year, a 2016 model costs about $1,354 per year, and a 2019 model costs $1,498 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 $1,110 for the 2013 model to the most expensive cost of $1,848 for a 2024 Honda Pilot.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Honda Pilot | $1,848 | $154 |
| 2023 Honda Pilot | $1,776 | $148 |
| 2022 Honda Pilot | $1,758 | $147 |
| 2021 Honda Pilot | $1,562 | $130 |
| 2020 Honda Pilot | $1,514 | $126 |
| 2019 Honda Pilot | $1,498 | $125 |
| 2018 Honda Pilot | $1,404 | $117 |
| 2017 Honda Pilot | $1,346 | $112 |
| 2016 Honda Pilot | $1,354 | $113 |
| 2015 Honda Pilot | $1,246 | $104 |
| 2014 Honda Pilot | $1,196 | $100 |
| 2013 Honda Pilot | $1,110 | $93 |
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 February 23, 2024
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 $652 per year, depending on the coverage deductibles and the age of the driver rated on the vehicle.
Pilot insurance rates by U.S. city
The cost of car insurance for a Pilot varies significantly from cheaper locations like $1,224 a year in Raleigh, NC, or $1,298 in Virginia Beach, VA, to more expensive rates such as $2,574 a year in Miami, FL, and $2,814 in Philadelphia, PA. Rate averages for some other cities include Fresno, CA, at $2,086 per year, Houston, TX, costing $1,894, Oakland, CA, at $2,432, and Minneapolis, MN, averaging $1,876.
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 $1,420 per year in Columbus, OH, to $3,152 in New York City, a difference of $1,732.
