- Honda Pilot insurance costs an average of $1,696 per year, $848 for a 6-month policy, or $141 per month for full coverage insurance on a Honda Pilot, depending on the trim level.
- Honda Pilot insurance rates range from $1,606 to $1,784 annually on average, depending on trim level.
- The 2023 Honda Pilot is one of the cheaper midsize SUVs to insure, costing $28 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 $560 or more per year over the cost of insuring a 2023 model.
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.
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 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.
| 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 |
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.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,368 | -$328 |
| 2 | Subaru Ascent | $1,434 | -$262 |
| 3 | Ford Edge | $1,494 | -$202 |
| 4 | Ford Explorer | $1,504 | -$192 |
| 5 | Volkswagen Atlas | $1,506 | -$190 |
| 6 | Nissan Murano | $1,516 | -$180 |
| 7 | Subaru Outback | $1,518 | -$178 |
| 8 | Volkswagen Atlas Cross Sport | $1,576 | -$120 |
| 9 | Toyota Venza | $1,608 | -$88 |
| 10 | Kia Sorento | $1,618 | -$78 |
| 11 | Hyundai Palisade | $1,638 | -$58 |
| 12 | Toyota 4Runner | $1,654 | -$42 |
| 13 | GMC Acadia | $1,682 | -$14 |
| 14 | Chevrolet Traverse | $1,684 | -$12 |
| 15 | Honda Pilot | $1,696 | -- |
| 16 | Buick Enclave | $1,702 | $6 |
| 17 | Nissan Pathfinder | $1,712 | $16 |
| 18 | Mazda CX-9 | $1,720 | $24 |
| 19 | Mitsubishi Outlander Sport | $1,744 | $48 |
| 20 | Kia Telluride | $1,754 | $58 |
| 21 | Toyota Highlander | $1,762 | $66 |
| 22 | Chevrolet Blazer | $1,786 | $90 |
| 23 | Hyundai Santa Fe | $1,810 | $114 |
| 24 | Jeep Grand Cherokee | $1,876 | $180 |
| 25 | Jeep Cherokee | $1,914 | $218 |
| 26 | Jeep Wrangler | $1,952 | $256 |
| 27 | Ford Bronco | $1,962 | $266 |
| 28 | Tesla Model Y | $1,970 | $274 |
| 29 | Mitsubishi Outlander PHEV | $2,018 | $322 |
| 30 | Dodge Durango | $2,102 | $406 |
| 31 | Rivian R1S | $2,160 | $464 |
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.
| 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 |
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 $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.
