- Honda Pilot insurance costs an average of $1,546 per year, $773 for a 6-month policy, or $129 per month for full coverage insurance on a Honda Pilot, depending on the trim level.
- Honda Pilot insurance rates range from $1,444 to $1,632 annually on average, depending on trim level.
- The 2022 Honda Pilot is one of the more expensive midsize SUVs to insure, costing $2 more per year on average as compared to the rest of the vehicles in the segment.
- Insurance for a used Honda Pilot could save $496 or more per year over the cost of insuring a 2022 model.
How much does Honda Pilot car insurance cost?
Full coverage car insurance for the Honda Pilot averages $1,546 per year, which is about $129 each month. If broken down by type of coverage, collision coverage costs about $748 a year, liability and medical coverage is an estimated $436, and the remaining comprehensive costs around $362.
The chart below details how average 2022 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 $1,164 per year for a 60-year-old driver with deductibles of $1,000 to the highest cost estimate of $3,618 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 a few Michigan zip codes might be as high as $29,446 a year for full coverage.
Which Pilot trim level is cheapest to insure?
The cheapest model of Honda Pilot to insure is the Sport at an estimated $1,444 per year. The next cheapest model is the Special Edition at $1,514 per year.
The three most expensive Honda Pilot models to insure are the Pilot Touring, the Elite, and the Black Edition trim levels at $1,560, $1,586, and $1,632 per year, respectively.
The rate table below displays average auto insurance policy costs for full coverage on a 2022 Honda Pilot.
| Honda Pilot Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Sport | $1,444 | $722 | $120 |
| Special Edition | $1,514 | $757 | $126 |
| EX-L | $1,538 | $769 | $128 |
| TrailSport | $1,552 | $776 | $129 |
| Touring | $1,560 | $780 | $130 |
| Elite | $1,586 | $793 | $132 |
| Black Edition | $1,632 | $816 | $136 |
The Pilot vs. other midsize SUVs: How does it rank?
The Honda Pilot ranks #17 out of 29 total vehicles in the 2022 midsize SUV category. The Pilot costs an average of $1,546 per year for insurance, while the class median average cost is $1,544 annually, a difference of $2 per year.
When compared to other top-selling vehicles in the midsize SUV class, car insurance for a Honda Pilot costs $134 less per year than the Jeep Grand Cherokee, $12 more than the Toyota Highlander, $112 more than the Ford Explorer, and $50 less than the Kia Telluride.
The table below ranks the entire 2022 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 | $1,224 | -$322 |
| 2 | Subaru Ascent | $1,310 | -$236 |
| 3 | Ford Edge | $1,374 | -$172 |
| 4 | Subaru Outback | $1,398 | -$148 |
| 5 | Nissan Murano | $1,416 | -$130 |
| 6 | Toyota Venza | $1,424 | -$122 |
| 7 | Ford Explorer | $1,434 | -$112 |
| 8 | Kia Sorento | $1,444 | -$102 |
| 9 | Hyundai Palisade | $1,462 | -$84 |
| 10 | Volkswagen Atlas | $1,472 | -$74 |
| 11 | Toyota 4Runner | $1,488 | -$58 |
| 12 | Volkswagen Atlas Cross Sport | $1,528 | -$18 |
| 13 | Mazda CX-9 | $1,530 | -$16 |
| 14 | GMC Acadia | $1,532 | -$14 |
| 15 | Toyota Highlander | $1,534 | -$12 |
| 16 | Nissan Pathfinder | $1,540 | -$6 |
| 17 | Honda Pilot | $1,546 | -- |
| 18 | Mitsubishi Outlander Sport | $1,548 | $2 |
| 19 | Buick Enclave | $1,562 | $16 |
| 20 | Chevrolet Traverse | $1,568 | $22 |
| 21 | Hyundai Santa Fe | $1,590 | $44 |
| 22 | Kia Telluride | $1,596 | $50 |
| 23 | Chevrolet Blazer | $1,610 | $64 |
| 24 | Jeep Grand Cherokee | $1,680 | $134 |
| 25 | Jeep Cherokee | $1,692 | $146 |
| 26 | Mitsubishi Outlander PHEV | $1,768 | $222 |
| 27 | Dodge Durango | $1,788 | $242 |
| 28 | Tesla Model Y | $1,804 | $258 |
| 29 | Rivian R1S | $1,902 | $356 |
Pilot insurance cost compared to similarly priced 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 $43,960, the cost to purchase a 2022 Honda Pilot ranges from $37,580 to $51,370, before destination charges and documentation fees.
The midsize non-luxury SUVs most similar in price to the Pilot for the 2022 model year are the Chevrolet Traverse, Toyota Highlander, Toyota 4Runner, GMC Acadia, and Ford Explorer.
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 2022 Chevrolet Traverse has an average retail price of $44,378 ($34,895 to $54,595), which is $418 more expensive than the average MSRP for the Pilot. The cost to insure a Pilot compared to the Chevrolet Traverse is $22 less per year on average.
- Compared to the Toyota Highlander – With an average MSRP of $43,458 ($35,405 to $50,960), the 2022 Toyota Highlander costs $503 less than the average sticker price for the Pilot. Insurance on the Toyota Highlander costs an average of $12 less per year than the Honda Pilot.
- Compared to the Toyota 4Runner – The 2022 Toyota 4Runner has an average retail price of $42,834 ($37,405 to $52,220), which is $1,126 cheaper than the average MSRP for the Pilot. The cost to insure a 2022 Honda Pilot compared to the Toyota 4Runner is $58 more every 12 months on average.
- Compared to the GMC Acadia – The GMC Acadia has an average sticker price of $42,282, ranging from $35,995 to $49,250, which is $1,678 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 Ford Explorer – The cost of the Ford Explorer averages $2,002 more than the average MSRP for the Honda Pilot ($45,962 compared to $43,960). Car insurance on the Ford Explorer costs an average of $112 less than the average for the 2022 Honda Pilot.
How much is insurance on a used Honda Pilot?
Insuring a used Honda Pilot instead of the newest model year may reduce your insurance bill by $496 or more each year when comparing a 2013 model to a 2022 model.
The following data table shows average car insurance rates for a Honda Pilot for the 2013 to 2022 model years. In this example, insurance costs range from the cheapest rate of $1,050 for the 2013 model to the most expensive cost of $1,546 for a 2022 Honda Pilot.
| Model Year and Vehicle | Annual Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2022 Honda Pilot | $1,546 | $773 | $129 |
| 2021 Honda Pilot | $1,364 | $682 | $114 |
| 2020 Honda Pilot | $1,338 | $669 | $112 |
| 2019 Honda Pilot | $1,346 | $673 | $112 |
| 2018 Honda Pilot | $1,290 | $645 | $108 |
| 2017 Honda Pilot | $1,248 | $624 | $104 |
| 2016 Honda Pilot | $1,286 | $643 | $107 |
| 2015 Honda Pilot | $1,202 | $601 | $100 |
| 2014 Honda Pilot | $1,142 | $571 | $95 |
| 2013 Honda Pilot | $1,050 | $525 | $88 |
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 $596 per year, depending on the coverage deductibles and the age of the driver rated on the vehicle.
Can where I live affect the cost of car insurance?
The cost of car insurance for a Pilot varies significantly from cheaper locations like $964 a year in Raleigh, NC, or $1,038 in Virginia Beach, VA, to more expensive rates such as $2,984 a year in Miami, FL, and $2,572 in Philadelphia, PA. Rate averages for some other cities include Fresno, CA, at $1,838 per year, Houston, TX, costing $1,642, Oakland, CA, at $2,186, and Minneapolis, MN, averaging $1,624.
The bar chart below shows typical insurance premiums on a 2022 Honda Pilot for the largest metro areas in America. The estimated costs range from $1,160 per year in Columbus, OH, to $2,914 in New York City, a difference of $1,754.
Honda Pilot insurance cost by state
States like Maine ($1,068), Virginia ($996), and Idaho ($1,218) have lower insurance rates for a Honda Pilot, while states like Louisiana ($2,238) and Michigan ($2,460) have more expensive auto insurance due to differences in liability insurance laws in each state.
The large majority of states align closer to the median, with states like Missouri, New Jersey, and New Mexico included in this group with average Honda Pilot insurance rates of $1,638, $1,460, and $1,240 per year, respectively.
| U.S. State | Annual Cost | 6-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $1,260 | $630 | $105 |
| Alaska | $1,354 | $677 | $113 |
| Arizona | $1,376 | $688 | $115 |
| Arkansas | $1,652 | $826 | $138 |
| California | $1,768 | $884 | $147 |
| Colorado | $1,646 | $823 | $137 |
| Connecticut | $1,494 | $747 | $125 |
| Delaware | $1,572 | $786 | $131 |
| Florida | $2,258 | $1,129 | $188 |
| Georgia | $1,494 | $747 | $125 |
| Hawaii | $1,048 | $524 | $87 |
| Idaho | $1,218 | $609 | $102 |
| Illinois | $1,248 | $624 | $104 |
| Indiana | $1,154 | $577 | $96 |
| Iowa | $1,118 | $559 | $93 |
| Kansas | $1,554 | $777 | $130 |
| Kentucky | $1,796 | $898 | $150 |
| Louisiana | $2,238 | $1,119 | $187 |
| Maine | $1,068 | $534 | $89 |
| Maryland | $1,394 | $697 | $116 |
| Massachusetts | $1,264 | $632 | $105 |
| Michigan | $2,460 | $1,230 | $205 |
| Minnesota | $1,358 | $679 | $113 |
| Mississippi | $1,460 | $730 | $122 |
| Missouri | $1,638 | $819 | $137 |
| Montana | $1,502 | $751 | $125 |
| Nebraska | $1,474 | $737 | $123 |
| Nevada | $1,694 | $847 | $141 |
| New Hampshire | $932 | $466 | $78 |
| New Jersey | $1,460 | $730 | $122 |
| New Mexico | $1,240 | $620 | $103 |
| New York | $1,642 | $821 | $137 |
| North Carolina | $982 | $491 | $82 |
| North Dakota | $1,282 | $641 | $107 |
| Ohio | $898 | $449 | $75 |
| Oklahoma | $1,502 | $751 | $125 |
| Oregon | $1,292 | $646 | $108 |
| Pennsylvania | $1,300 | $650 | $108 |
| Rhode Island | $1,820 | $910 | $152 |
| South Carolina | $1,424 | $712 | $119 |
| South Dakota | $1,402 | $701 | $117 |
| Tennessee | $1,220 | $610 | $102 |
| Texas | $1,454 | $727 | $121 |
| Utah | $1,276 | $638 | $106 |
| Vermont | $1,024 | $512 | $85 |
| Virginia | $996 | $498 | $83 |
| Washington | $1,172 | $586 | $98 |
| West Virginia | $1,390 | $695 | $116 |
| Wisconsin | $1,048 | $524 | $87 |
| Wyoming | $1,418 | $709 | $118 |
Frequently Asked Questions about Honda Pilot Insurance
The following questions are some of the more common questions asked about insuring a Pilot.
What is the average cost per year for Honda Pilot Insurance?
Honda Pilot insurance costs an average of $1,546 per year with rates ranging from $1,444 per year for the Pilot Sport to $1,632 for the Pilot Black Edition.
What is the average monthly cost to insure a Pilot?
The average monthly cost to insure a Honda Pilot is $129 for full coverage. Rates range from around $116 per month for a 60-year-old drive to $258 for a 20-year-old driver. Teen drivers pay significantly higher rates.
How does Honda Pilot insurance compare to all other vehicles?
At $1,546 per year, the cost of Honda Pilot insurance is $21 less than the national average rate for all vehicles of $1,567. That’s a difference of 1.3%.
How much does collision insurance cost?
Insuring a Honda Pilot to cover collision losses costs around $748 per year on average, assuming a $500 collision deductible.
How much does Honda Pilot car insurance cost for teenagers?
For a male driver, full coverage Honda Pilot insurance ranges from $4,400 to $5,520 for ages 16 to 19. For females, the teen driver rate ranges from $3,918 to $4,858, also for ages 16 through 19.
Are Honda Pilots cheap to insure?
The average insurance cost for the Honda Pilot is $1,546 per year, or $129 per month. When compared to other midsize SUVs, the Honda Pilot ranks #17 out of 29 vehicles for insurance affordability.
Who pays the cheapest insurance rates for a Honda Pilot?
The cheapest rates are reserved for safe drivers who are claim-free and qualify for multiple policy discounts. For a 40-year-old driver, the cheapest rate for full coverage on a Honda Pilot can be as low as $1,284 per year, a savings of $262 over the regular rate.
Is Honda Pilot or Honda CR-V insurance cheaper?
The Honda Pilot has an average insurance cost of $1,546 and the Honda CR-V is $1,336, making the Honda CR-V cheaper by $210 per year for the 2022 model year. See 2015 to 2022 Honda Pilot vs. CR-V insurance rates.
