+120 more)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
)
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.
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average Honda Pilot car insurance premium is $142 per month, making it about 14% cheaper than the average for all vehicles.
USAA is the cheapest company for Honda Pilot coverage, with rates averaging just $70 per month.
The Pilot’s strong crash-test results and below-average collision claim payouts help keep premiums affordable.
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 Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Honda Pilot | $113 | $170 | $142 |
| All vehicles | $116 | $216 | $166 |
Honda Pilot insurance averages $113 per month for liability-only coverage and $170 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 |
|---|---|
| USAA | $70 |
| State Farm | $77 |
| Allstate | $99 |
| American Family | $106 |
| GEICO | $108 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers the cheapest rates for the Honda Pilot, just $70 per month. That’s $96 less than the national average for all vehicles of $166 per month. The company also has above-average customer and claims service ratings in J.D. Power’s 2025 studies.
But USAA offers policies only to active-duty military, veterans, and their families. It also doesn’t have many physical branches for in-person support, so it might not be the best option if you want local service.
Cheap Honda Pilot rates
Highly rated customer and claims service
A++ (Superior) financial strength rating
Available only to military members and their families
MedPay not available in every state
Limited in-person support
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is available in every state and has some of the cheapest rates for the Pilot. Its network of local agents also offers personalized support that understands your needs.
But State Farm’s rates are more expensive for some drivers, especially people with less-than-perfect driving records. And you may want to consider another option if you finance or lease your car, because the company doesn’t offer gap insurance.
Available nationwide
Extensive local agent network
Highly rated mobile app
More expensive for high-risk drivers
Fewer optional coverages than other companies
Gap insurance not available
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers many different coverage options for the Pilot, including accident forgiveness and classic car insurance. The company’s Drivewise and Milewise telematics programs can also help lower your rates.
That said, Allstate has lower-than-average customer satisfaction scores in most regions. It also has more customer complaints than average with the National Association of Insurance Commissioners (NAIC).
Available in every states
Offers a wide variety of add-on coverages
Two telematics programs available
Below-average customer satisfaction in most regions
Above-average number of customer service complaints
Complicated policy management
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 |
|---|---|
| 2025 | $172 |
| 2024 | $172 |
| 2023 | $171 |
| 2022 | $171 |
| 2021 | $165 |
| 2020 | $158 |
| 2019 | $154 |
| 2018 | $149 |
| 2017 | $146 |
| 2016 | $142 |
| 2015 | $139 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $93 |
| Allstate | $120 |
| American Family | $128 |
| GEICO | $130 |
Company | Average Monthly Premium |
|---|---|
| USAA | $85 |
| State Farm | $93 |
| Allstate | $120 |
| American Family | $128 |
| GEICO | $130 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| Allstate | $119 |
| American Family | $128 |
| GEICO | $130 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| Allstate | $119 |
| American Family | $128 |
| GEICO | $130 |
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| State Farm | $90 |
| Allstate | $115 |
| American Family | $123 |
| GEICO | $126 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $85 |
| Allstate | $110 |
| American Family | $118 |
| GEICO | $120 |
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $84 |
| Allstate | $108 |
| American Family | $115 |
| GEICO | $117 |
Company | Average Monthly Premium |
|---|---|
| USAA | $73 |
| State Farm | $81 |
| Allstate | $104 |
| American Family | $111 |
| GEICO | $113 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $79 |
| Allstate | $102 |
| American Family | $109 |
| GEICO | $111 |
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $77 |
| Allstate | $99 |
| American Family | $106 |
| GEICO | $108 |
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| State Farm | $75 |
| Allstate | $97 |
| American Family | $103 |
| GEICO | $105 |
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 | $117 |
| Arizona | $125 |
| Arkansas | $135 |
| California | $153 |
| Colorado | $153 |
| Connecticut | $211 |
| Delaware | $177 |
| Florida | $165 |
| Georgia | $189 |
| Idaho | $78 |
| Illinois | $118 |
| Indiana | $97 |
| Iowa | $80 |
| Kansas | $110 |
| Kentucky | $147 |
| Louisiana | $159 |
| Maine | $104 |
| Maryland | $225 |
| Massachusetts | $112 |
| Michigan | $171 |
| Minnesota | $129 |
| Mississippi | $112 |
| Missouri | $135 |
| Montana | $111 |
| Nebraska | $107 |
| Nevada | $188 |
| New Hampshire | $65 |
| New Jersey | $200 |
| New Mexico | $108 |
| New York | $163 |
| North Carolina | $66 |
| North Dakota | $87 |
| Ohio | $92 |
| Oklahoma | $127 |
| Oregon | $113 |
| Pennsylvania | $120 |
| Rhode Island | $163 |
| South Carolina | $182 |
| South Dakota | $103 |
| Tennessee | $106 |
| Texas | $163 |
| Utah | $111 |
| Vermont | $106 |
| Virginia | $133 |
| Washington | $126 |
| Washington D.C. | $234 |
| West Virginia | $110 |
| Wisconsin | $90 |
| Wyoming | $84 |
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 |
|---|---|
| Teens | $273 |
| Adults | $142 |
| Seniors | $122 |
Teens pay an average of $273 per month for Pilot insurance, while seniors pay less than half that, averaging just $122.
Car accidents are a leading cause of death for American teens ages 16 to 19, according to the Centers for Disease Control and Prevention (CDC).[2] The Honda Pilot has plenty of features to qualify for safety discounts, but premiums are still much higher for young drivers because they have less experience and take more risks behind the wheel.
Insurers factor in age and experience differently, and some companies have more affordable rates than others. Here are the cheapest car insurance options for teens driving a Pilot, according to our data.
Older Pilot drivers typically pay less for auto insurance. Seniors tend to spend less time behind the wheel and follow speed limits, according to the Insurance Information Institute (Triple-I).[3] As a result, they’re less at risk of a crash and file fewer claims, leading to cheaper rates.
Older drivers might also save by taking a defensive driver course or qualifying for low-mileage discounts, lowering rates even more. Below are the cheapest car insurance companies for seniors, according to our data.
Your driving record can push your car insurance rates up or down. Tickets, accidents, and driving under the influence (DUI) convictions increase your risk of filing claims, so insurers charge more.
Insurance companies usually look at the last three years of your driving history when determining premiums, according to the National Association of Insurance Commissioners (NAIC).[4]
Because insurers don’t judge driving records equally, using car insurance comparison sites can help you find the best rates. Here’s how different driving profiles affect Honda Pilot premiums, according to Compare.com research.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $142 |
| Speeding ticket | $190 |
| At-fault accident | $203 |
| DUI | $239 |
Speeding accounted for 29% of fatalities from accidents in 2023, according to the National Highway Traffic Safety Administration (NHTSA).[5] You have less reaction time at higher speeds, which makes crashes more severe. Even one ticket can raise your Honda Pilot car insurance premium.
But comparing rates from at least three companies can help lower your cost. The chart below shows the cheapest insurance options for Pilot drivers with a ticket, according to our data.
Filing a claim after you cause a crash costs your insurance company a pretty penny. Even though collision claims for the Honda Pilot fall below average, insurers charge more for drivers with an at-fault accident on their record.[6]
How much the incident raises your rate depends on the company. Pilot drivers with a recent accident can find the most competitive rates from the companies below, according to our data.
Drivers with a blood alcohol concentration (BAC) of 0.08% in most states are four times more likely to cause a crash, according to the NHTSA.[7] At 0.15% BAC, the risk climbs to 12 times higher. A DUI triggers the steepest climb in insurance rates of any traffic violation.
But some companies work with high-risk drivers, even people with DUIs. The chart below shows the cheapest insurers for Pilot drivers with a DUI, according to our data.
)
Certain details of your Honda Pilot influence how insurers calculate car insurance rates, including:
Vehicle value: The 2025 Pilot starts at $41,650, which is on the lower end for similar vehicle types.[8] Less expensive cars typically have cheaper rates because insurers don’t have to pay as much to repair or replace them.
Claims costs: On average, collision claim payouts for the Pilot run below the industry average. Less expensive claims translate to cheaper rates for you.
Engine size: The Pilot isn’t a luxury or high-performance vehicle, but its 285-horsepower V-6 engine packs more power. More performance can increase claims costs and bump up your rates.
Crash protection: Recent Pilot model years have earned the IIHS Top Safety Pick award. Plus, the Pilot has Honda Sensing safety tech to prevent collisions. Safety features lower your risk of an accident, saving you money on your premiums.
Theft risk: The Honda Pilot didn’t make the list of the vehicles with the highest theft risk from the National Insurance Crime Bureau (NICB).[9] The less likely thieves are to target your car, the less you’ll pay for coverage.
)
Consider the following strategies if you’re looking for cheaper Honda Pilot car insurance:[10]
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 $142 per month, while all other cars average $166.
Mile Auto offers the cheapest car insurance rates for the Honda Pilot, according to Compare.com research. The company’s rates average just $49 per month for liability coverage.
A 2025 Honda Pilot costs an average of $172 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 Fit. It costs an average of $113 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.
)
)
)
)
)
)
)
)
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.
)
Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
)
)
