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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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You might think a spacious SUV like the Honda Pilot has sky-high insurance costs, but think again. Despite its price tag and family-friendly features, the Pilot actually costs less to insure than the average vehicle. Liability coverage for the Pilot costs an average of $94 per month, while full coverage costs $173 — both significantly below the national average.
But what you’ll personally pay for car insurance depends on multiple factors, from your age to your Pilot’s model year. We’ll break down factors affecting your rates, which companies offer the best deals, and how to save on your Honda Pilot insurance.
Honda Pilot drivers pay an average of $133 per month for car insurance.
Mile Auto offers the cheapest auto insurance for the Pilot, averaging $61 per month.
Every Honda Pilot trim level comes with safety features, contributing to its lower-than-average premiums.
The average cost to insure a Honda Pilot largely depends on the type of insurance policy you choose.
Although a liability-only policy meets your state’s minimum-coverage requirements, it doesn’t cover your injuries or vehicle in an accident. A full-coverage policy includes comprehensive and collision insurance, covering your injuries and damage to your vehicle. Plus, you can customize your coverage to meet your needs, like adding gap insurance.
The table below lists the average monthly insurance premiums for the Pilot and how they compare to the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Honda Pilot | $94 | $173 | $133 |
| All vehicles | $107 | $197 | $152 |
Honda Pilot insurance averages $94 per month for liability-only coverage and $173 for full coverage — both cheaper than the national average for each policy type.
Next, let’s break down how different factors affect your Pilot car insurance costs.
Get quotes and find the best coverage for your SUV.
Regardless of average rates, you can still find ways to save on your car insurance, like comparing rates with the cheapest insurance companies.
Let’s take a look at which insurers offer the cheapest auto insurance for the Pilot, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $61 |
| Certainly | $68 |
| Travelers | $73 |
| Clearcover | $87 |
| Root | $95 |
Mile Auto has the cheapest average car insurance for the Pilot, at $61 per month.
Though these companies have the cheapest average premiums, that doesn’t mean they’re the most affordable option for you. Shopping around and comparing quotes from multiple insurers can help you find the best deal on the coverage you need.
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No insurer is the single best car insurance company for everyone. But we found a few that stand out for offering the cheapest rates and best options. We based our picks on average premiums, available coverage types and discounts, and customer reviews.
Compare.com Rating: 3.28 out of 5
Good for low-mileage drivers
Cheaper than other insurers
Doesn’t track data
Available in only seven states
Limited coverage options
No local agents
If you don’t put many miles on your Honda Pilot, consider Mile Auto. This usage-based insurer charges a base monthly rate and a per-mile rate, so you could save if you’re a low-mileage driver. It also doesn’t track data, requiring you only to upload a photo of your odometer each month to determine your next month’s premium. But it’s available in only a few states.
Though Mile Auto offers full-coverage policies, roadside assistance and rental reimbursement are the only optional coverages available.
Compare.com Rating: 4.23 out of 5
Affordable full-coverage rates
Many coverage options
Many discounts available
Below-average J.D. Power claims satisfaction
More-than-average consumer complaints
Below-average digital experience rating
If you want Honda Pilot insurance you can tailor to your needs, consider Travelers. It offers coverages like new car replacement, gap insurance, rideshare coverage, roadside assistance, and accident forgiveness. It also has a generous list of discounts to help keep premiums affordable.
That said, it ranks below average in the latest J.D. Power claims and digital experience studies. It also has many consumer complaints to the National Association of Insurance Commissioners (NAIC).
Compare.com Rating: 3.02 out of 5
Highly rated mobile app
24/7 claims filing and support
Military discount available
Many consumer complaints
Below-average customer ratings
Not available in all states
Clearcover offers some of the cheapest minimum-coverage rates for the Pilot, making it a good option if you’re on a budget. Though it offers full coverage, it has few optional coverages, which means you can’t really customize your policy much. It also doesn’t have many discounts compared to its competitors.
But if you’re tech-savvy and don’t need a local agent or full-coverage car insurance, Clearcover might be a good option.
Comparing quotes can save you up to $867.†
You may not realize it, but your vehicle’s age affects your insurance premium. The more it’s worth, the more you usually pay for auto insurance. A newer Pilot will cost more to insure than older models.
Check out the table below to see how much Pilot car insurance averages by model year and which companies offer the cheapest rates, according to Compare.com data.
Pilot Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $169 | Mile Auto | $77 |
| 2024 | $166 | Mile Auto | $76 |
| 2023 | $175 | Mile Auto | $80 |
| 2022 | $162 | Mile Auto | $74 |
| 2021 | $162 | Mile Auto | $74 |
| 2020 | $142 | Mile Auto | $65 |
| 2019 | $146 | Mile Auto | $67 |
| 2018 | $145 | Mile Auto | $67 |
| 2017 | $143 | Mile Auto | $65 |
| 2016 | $146 | Mile Auto | $67 |
| 2015 | $124 | Mile Auto | $57 |
| 2014 | $130 | Mile Auto | $59 |
Along with your car’s age, where you live also factors into how much you’ll pay to insure your Pilot.
The state you live in can substantially affect your car insurance rates. When determining your rates, insurers consider criteria like whether you live in an urban or rural area, weather patterns, insurance laws, and repair and healthcare costs.
The table below lists the average monthly rates by state for the Honda Pilot, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $88 |
| Arizona | $117 |
| Arkansas | $168 |
| California | $169 |
| Colorado | $138 |
| Connecticut | $267 |
| Delaware | $163 |
| Florida | $172 |
| Georgia | $174 |
| Idaho | $89 |
| Illinois | $110 |
| Indiana | $95 |
| Iowa | $80 |
| Kansas | $108 |
| Kentucky | $172 |
| Louisiana | $159 |
| Maine | $104 |
| Maryland | $242 |
| Massachusetts | $132 |
| Michigan | $206 |
| Minnesota | $132 |
| Mississippi | $132 |
| Missouri | $129 |
| Montana | $107 |
| Nebraska | $124 |
| Nevada | $209 |
| New Hampshire | $81 |
| New Jersey | $139 |
| New Mexico | $102 |
| New York | $338 |
| North Carolina | $66 |
| North Dakota | $102 |
| Ohio | $89 |
| Oklahoma | $114 |
| Oregon | $113 |
| Pennsylvania | $115 |
| Rhode Island | $101 |
| South Carolina | $193 |
| South Dakota | $85 |
| Tennessee | $99 |
| Texas | $156 |
| Utah | $128 |
| Vermont | $96 |
| Virginia | $127 |
| Washington | $98 |
| District of Columbia | $200 |
| West Virginia | $102 |
| Wisconsin | $89 |
| Wyoming | $85 |
Your age has a major effect on your car insurance rates. Teens pay more because they’re more likely to get into an accident than other age groups.[1] Insurance rates typically decrease as you get older and gain experience behind the wheel, reducing your chances of getting a ticket or causing an accident.
Take a look at the table below to see the average rates for the Honda Pilot by age group. It also shows the cheapest insurers for each group, according to our research.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $251 | Mile Auto | $115 |
| Adults | $122 | Mile Auto | $56 |
| Seniors | $103 | Mile Auto | $47 |
Teens pay an average of $251 per month for Pilot insurance, while seniors pay less than half that, averaging just $103.
Your driving record plays a big role in your car insurance rates, too. Insurers use your driving habits to determine your likelihood of filing a claim.
You’ll get the best rates if you have a clean driving history. But you could pay a lot more if you get a ticket, DUI, or cause an accident.
In the table below, we outline the average monthly Pilot car insurance premiums by driving record and which company offers the cheapest rates, according to Compare.com data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $133 | Mile Auto | $61 |
| Speeding ticket | $185 | Mile Auto | $85 |
| At-fault accident | $193 | Mile Auto | $88 |
| DUI | $219 | Mile Auto | $100 |
An at-fault accident or DUI will increase your rates the most. Average rates range from $133 per month if you have a clean record to $219 if you get a DUI — an increase of 65%.
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The Honda Pilot comes in six trim levels, ranging from the $40,200 Sport model to the Black Edition, which starts at $54,580. Since your Pilot’s value affects how much you’ll pay for car insurance, your choice of trim level and optional features factors into your insurance rates.
The Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) frequently recognize the Pilot for its high safety ratings.[2] [3] Even the base Sport model comes standard with multiple advanced safety features. You can usually get lower insurance costs and a safety feature discount for owning a safer vehicle.
Pilot features that can affect your insurance rates include:
Collision mitigation braking system
Road departure mitigation system
Forward collision warning
Lane departure warning
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Consider the following strategies if you’re looking for cheaper Honda Pilot car insurance:[4]
Ask about discounts. Many insurers offer a range of auto insurance discounts, which you can usually stack together. Combining discounts can lead to big savings.
Check rates while car shopping. Pilot rates vary by model year and trim level. Compare car insurance quotes before you buy a Pilot to ensure the vehicle and insurance payments work with your budget.
Increase your deductible. Raising your comprehensive and collision deductibles can lower your premium, but make sure you can cover the cost if you file a claim, because you’ll pay more out of pocket.
Improve your credit. Our research shows that drivers with poor credit pay an average of 38% more than drivers with excellent credit.
Shop around for car insurance. Use an insurance comparison site to quickly and easily compare quotes from multiple companies to ensure you get the best deal.
View quotes from top insurers and save money today.
If you want to buy a Honda Pilot and need insurance or just want cheaper coverage, we’re here to help. Below, we’ve answered some common questions about Honda Pilot insurance.
Not typically. The Honda Pilot costs less to insure than the national average for all vehicles, according to Compare.com data. Pilot insurance costs an average of $133 per month, while all other cars average $152.
Mile Auto offers the cheapest car insurance rates for the Honda Pilot, according to Compare.com research. The company’s rates average just $61 per month for liability coverage.
A 2025 Honda Pilot costs an average of $169 per month to insure, according to Compare.com data. But your personal rate will depend on factors like your age, location, and driving history.
The cheapest Honda model to insure is the Odyssey. It costs an average of $116 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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