Honda Pilot Car Insurance Cost for 2023

We compared the average insurance cost for the Sport trim to the Elite AWD model to look at how insurance rates on a Pilot rank against the 2023 midsize SUV market.

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How much does Honda Pilot car insurance cost?

Full coverage car insurance for the Honda Pilot averages $1,696 per year, which is about $141 each month. If broken down by type of coverage, collision coverage costs about $820 a year, liability and medical coverage is an estimated $484, and the remaining comprehensive costs around $392.

The chart below details how average 2023 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 $1,278 per year for a 60-year-old driver with deductibles of $1,000 to the highest cost estimate of $3,972 annually for a driver age 20 with deductibles of $250.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2023 Honda Pilot with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda Pilot trim levels.Data last updated on January 23, 2023
Honda Pilot Car Insurance Rates
2023 Honda Pilot Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,854$238
$500$3,398$283
$250$3,972$331
30$1,000$1,494$125
$500$1,794$150
$250$2,106$176
40$1,000$1,422$119
$500$1,696$141
$250$1,984$165
50$1,000$1,302$109
$500$1,548$129
$250$1,808$151
60$1,000$1,278$107
$500$1,522$127
$250$1,776$148

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 cheapest to insure?

The cheapest model of Honda Pilot to insure is the Sport at an estimated $1,606 per year. The next cheapest model is the Sport AWD at $1,638 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 $1,744,  $1,746, and $1,784 per year, respectively.

The rate table below displays average auto insurance policy costs for full coverage on a 2023 Honda Pilot.

2023 Honda Pilot Insurance Cost by Trim Level
Honda Pilot Trim Level Annual Policy Six-Month Policy Per Month
Sport$1,606$803$134
Sport AWD$1,638$819$137
EX-L$1,654$827$138
EX-L AWD$1,686$843$141
Touring$1,720$860$143
TrailSport AWD$1,744$872$145
Touring AWD$1,746$873$146
Elite AWD$1,784$892$149

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Honda Pilot, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Honda Pilot Insurance Cost by Trim Level
2021 Honda Pilot Touring AWD
Chrome Touring AWD emblem on rear lift gate of 2021 Honda Pilot

The Pilot vs. other midsize SUVs

The Honda Pilot ranks 15th out of 31 total vehicles in the 2023 midsize SUV category. The Pilot costs an average of $1,696 per year for insurance, while the class median average cost is $1,724 annually, a difference of $28 per year.

When compared to other top-selling vehicles in the midsize SUV class, car insurance for a Honda Pilot costs $180 less per year than the Jeep Grand Cherokee, $66 less than the Toyota Highlander, $192 more than the Ford Explorer, and $58 less than the Kia Telluride.

The table below ranks the entire 2023 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.

Insurance Cost Comparison: Honda Pilot vs Midsize SUVs
Rank Make/Model Insurance Cost Difference
1Honda Passport$1,368-$328
2Subaru Ascent$1,434-$262
3Ford Edge$1,494-$202
4Ford Explorer$1,504-$192
5Volkswagen Atlas$1,506-$190
6Nissan Murano$1,516-$180
7Subaru Outback$1,518-$178
8Volkswagen Atlas Cross Sport$1,576-$120
9Toyota Venza$1,608-$88
10Kia Sorento$1,618-$78
11Hyundai Palisade$1,638-$58
12Toyota 4Runner$1,654-$42
13GMC Acadia$1,682-$14
14Chevrolet Traverse$1,684-$12
15Honda Pilot$1,696--
16Buick Enclave$1,702$6
17Nissan Pathfinder$1,712$16
18Mazda CX-9$1,720$24
19Mitsubishi Outlander Sport$1,744$48
20Kia Telluride$1,754$58
21Toyota Highlander$1,762$66
22Chevrolet Blazer$1,786$90
23Hyundai Santa Fe$1,810$114
24Jeep Grand Cherokee$1,876$180
25Jeep Cherokee$1,914$218
26Jeep Wrangler$1,952$256
27Ford Bronco$1,962$266
28Tesla Model Y$1,970$274
29Mitsubishi Outlander PHEV$2,018$322
30Dodge Durango$2,102$406
31Rivian R1S$2,160$464

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Honda Pilot vs Midsize SUVs

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 $45,223, the cost to purchase a 2023 Honda Pilot ranges from $39,150 to $52,030, before destination charges and documentation fees.

The midsize non-luxury SUVs most similar in price to the Pilot for the 2023 model year are the Chevrolet Traverse, Mitsubishi Outlander PHEV, Toyota Highlander, GMC Acadia, and Kia Telluride.

The next list shows how those five models compare to the Honda Pilot for MSRP and insurance policy cost.

  • Compared to the Chevrolet Traverse – The 2023 Chevrolet Traverse has an average retail price of $45,370 ($35,915 to $55,595), which is $147 more expensive than the average MSRP for the Pilot. The cost to insure a Pilot compared to the Chevrolet Traverse is $12 more per year on average.
  • Compared to the Mitsubishi Outlander PHEV – With an average MSRP of $45,537 ($39,845 to $49,995), the 2023 Mitsubishi Outlander PHEV costs $314 more than the average sticker price for the Pilot. Insurance on the Mitsubishi Outlander PHEV costs an average of $322 more per year than the Honda Pilot.
  • Compared to the Toyota Highlander – The 2023 Toyota Highlander has an average retail price of $44,809 ($36,420 to $52,425), which is $414 cheaper than the average MSRP for the Pilot. The cost to insure a 2023 Honda Pilot compared to the Toyota Highlander is $66 less every 12 months on average.
  • Compared to the GMC Acadia – The GMC Acadia has an average sticker price of $44,567, ranging from $38,195 to $51,500, which is $656 cheaper than the average sticker price for the Pilot. Full-coverage insurance on the GMC Acadia costs an average of $14 less per year than the Honda Pilot.
  • Compared to the Kia Telluride – The cost of the Kia Telluride averages $753 more than the average MSRP for the Honda Pilot ($45,976 compared to $45,223). Car insurance on the Kia Telluride costs an average of $58 more than the average for the 2023 Honda Pilot.

How much is insurance on a used Honda Pilot?

Full-coverage car insurance on a 2013 Honda Pilot averages around $1,128 per year, a 2016 model costs about $1,380 per year, and a 2019 model costs $1,456 per year.

The following data table shows average car insurance rates for a Honda Pilot for the 2013 to 2023 model years. In this example, insurance costs range from the cheapest rate of $1,128 for the 2013 model to the most expensive cost of $1,696 for a 2023 Honda Pilot.

Honda Pilot Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Honda Pilot$1,696$848$141
2022 Honda Pilot$1,676$838$140
2021 Honda Pilot$1,484$742$124
2020 Honda Pilot$1,462$731$122
2019 Honda Pilot$1,456$728$121
2018 Honda Pilot$1,392$696$116
2017 Honda Pilot$1,328$664$111
2016 Honda Pilot$1,380$690$115
2015 Honda Pilot$1,280$640$107
2014 Honda Pilot$1,224$612$102
2013 Honda Pilot$1,128$564$94

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Honda Pilot Insurance Cost by Model Year

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 surpasses any added benefit.

Dropping physical damage coverage on an older Honda Pilot could save around $628 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 $1,062 a year in Raleigh, NC, or $1,136 in Virginia Beach, VA, to more expensive rates such as $2,446 a year in Miami, FL, and $2,654 in Philadelphia, PA. Rate averages for some other cities include Fresno, CA, at $1,926 per year, Houston, TX, costing $1,730, Oakland, CA, at $2,270, and Minneapolis, MN, averaging $1,714.

The bar chart below shows typical insurance premiums on a 2023 Honda Pilot for the largest metro areas in America. The estimated costs range from $1,258 per year in Columbus, OH, to $2,990 in New York City, a difference of $1,732.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Honda Pilot, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Honda Pilot trim levels.Data last updated on January 23, 2023
Honda Pilot Insurance Rates in Large U.S. Cities
Honda Pilot Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,990$249
Philadelphia, PA$2,654$221
Las Vegas, NV$2,646$221
Los Angeles, CA$2,640$220
San Francisco, CA$2,284$190
Kansas City, MO$2,032$169
Oklahoma City, OK$2,032$169
Denver, CO$1,996$166
Memphis, TN$1,996$166
Atlanta, GA$1,970$164
San Jose, CA$1,912$159
Phoenix, AZ$1,864$155
Portland, OR$1,838$153
San Diego, CA$1,828$152
Boston, MA$1,822$152
Jacksonville, FL$1,816$151
Chicago, IL$1,766$147
Dallas, TX$1,740$145
Houston, TX$1,730$144
Seattle, WA$1,726$144
Nashville, TN$1,662$139
Milwaukee, WI$1,652$138
Albuquerque, NM$1,622$135
San Antonio, TX$1,572$131
Omaha, NE$1,528$127
Fort Worth, TX$1,518$127
Austin, TX$1,498$125
Indianapolis, IN$1,366$114
Columbus, OH$1,258$105
Charlotte, NC$1,200$100