The Honda Pilot is a mid-size crossover SUV known for its three-row seating that provides plenty of room for large families. The Pilot debuted in the U.S. in 2002 and is still going strong today. No matter which type of Pilot you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda Pilot insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Honda Pilot at a great rate. But first, here's a closer look at how much it costs to insure a Pilot by model year and top-rated insurance company in 2026.
Key Takeaways - Honda Pilot Car Insurance
Honda Pilot insurance costs an average of $1,708 per year, or approximately $142 per month, for full coverage in 2026.
Honda Pilot insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $51 monthly for minimum coverage, while those in Louisiana pay $280.
Nationwide, Progressive, and American Family are the cheapest carriers for model-year 2025 Honda Pilot insurance this year.
Your age, location, credit, vehicle trim level, and driving history can all impact the cost of Honda PIlot insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda Pilot model.
What Is Honda Pilot Insurance?
Honda Pilot insurance is a type of car insurance policy that includes customized coverage options for your specific vehicle. As a mid-size crossover SUV, the Pilot may require additional coverage beyond that of other standard cars. However, the Pilot's average car insurance rates trend cheaper than those for similar vehicles in its class. For rates across other Honda models, see our full guide to Honda car insurance.
Recommended coverage options for Honda Pilot drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Honda Pilot:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Gap insurance: If you have a new or financed Honda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Your state likely requires certain types of auto insurance by law, and enforces penalties such as fines for noncompliance. A local independent insurance agent can help you satisfy your state's car insurance requirements for a Honda Pilot.
How Much Does Honda Pilot Insurance Cost?
The average cost of car insurance for a Honda Pilot is $1,708 per year, or approximately $142 per month, for full coverage. However, several factors can influence the cost of Honda insurance, including:
- The specific type of Pilot you drive
- Your claims history
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your driving history
- Vehicle safety features
- Annual mileage
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda Pilot full coverage insurance or a basic Honda Pilot liability insurance policy.
Is the Honda Pilot Expensive to Insure?
No, the Honda Pilot isn't expensive to insure on average. The average monthly cost of Honda Pilot auto insurance is $142, while the average for other SUVs is $184.
| Vehicle | Average Monthly Cost of Car Insurance |
| Honda Pilot | $142 |
| All SUVs | $184 |
Honda Pilot Insurance Costs by Model Year
Next, we'll break down several model years of the Honda Pilot and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Honda Pilot* | $1,650 |
| 2025 Honda Pilot | $1,334 |
| 2024 Honda Pilot | $1,318 |
| 2023 Honda Pilot | $1,200 |
| 2022 Honda Pilot | $716 |
| 2021 Honda Pilot | $741 |
| 2020 Honda Pilot | $866 |
| 2019 Honda Pilot | $696 |
| 2018 Honda Pilot | $822 |
| 2017 Honda Pilot | $506 |
| 2016 Honda Pilot | $675 |
| 2015 Honda Pilot | $507 |
| 2014 Honda Pilot | $598 |
| 2013 Honda Pilot | $542 |
| 2012 Honda Pilot | $423 |
| 2011 Honda Pilot | $545 |
| 2010 Honda Pilot | $495 |
*Note: The 2026 Pilot's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Honda Pilot Car Insurance Companies for 2026
Affordable Honda Pilot insurance is available from many carriers across the country. These top-rated car insurance companies provide the cheapest model-year 2025 Honda Pilot insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Nationwide | $1,453 |
| Progressive | $1,618 |
| American Family | $1,667 |
| USAA | $1,697 |
| Erie | $1,972 |
| Allstate | $3,001 |
Honda Pilot Car Insurance Rates by State
Location is one of the main factors that goes into calculating car insurance costs. Here are some average auto insurance rates for the Honda Pilot by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $65 | $122 |
| Alaska | $56 | $118 |
| Arizona | $92 | $173 |
| Arkansas | $63 | $141 |
| California | $74 | $150 |
| Colorado | $74 | $178 |
| Connecticut | $109 | $187 |
| Delaware | $110 | $186 |
| Florida | $101 | $233 |
| Georgia | $116 | $190 |
| Hawaii | $41 | $92 |
| Idaho | $42 | $86 |
| Illinois | $72 | $134 |
| Indiana | $50 | $99 |
| Iowa | $43 | $104 |
| Kansas | $56 | $131 |
| Kentucky | $97 | $165 |
| Louisiana | $156 | $332 |
| Maine | $41 | $84 |
| Maryland | $121 | $204 |
| Massachusetts | $79 | $168 |
| Michigan | $122 | $234 |
| Minnesota | $64 | $133 |
| Mississippi | $68 | $134 |
| Missouri | $92 | $182 |
| Montana | $54 | $129 |
| Nebraska | $57 | $131 |
| Nevada | $139 | $252 |
| New Hampshire | $54 | $96 |
| New Jersey | $129 | $213 |
| New Mexico | $64 | $142 |
| New York | $95 | $171 |
| North Carolina | $64 | $125 |
| North Dakota | $47 | $103 |
| Ohio | $58 | $113 |
| Oklahoma | $72 | $159 |
| Oregon | $96 | $168 |
| Pennsylvania | $67 | $156 |
| Rhode Island | $97 | $174 |
| South Carolina | $79 | $148 |
| South Dakota | $41 | $124 |
| Tennessee | $60 | $122 |
| Texas | $99 | $204 |
| Utah | $84 | $143 |
| Vermont | $35 | $84 |
| Virginia | $74 | $121 |
| Washington | $71 | $132 |
| West Virginia | $67 | $137 |
| Wisconsin | $50 | $109 |
| Wyoming | $29 | $89 |
Average Honda Pilot Insurance Rates by Driver Age and Profile
Your age, credit, and driving history are also major factors in car insurance premium calculations. Teens and young drivers pay the most, by far, on average for Honda Pilot insurance. Drivers with poor credit or traffic violations on their records also tend to pay much more for auto insurance.
Typically, car insurance rates begin to drop dramatically around age 25. Once a driver reaches about age 65, car insurance costs start to gradually climb again through their senior years. Here are some average insurance rates for the Honda Pilot by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,553 | $9,504 | $11,208 |
| 20 | $5,063 | $7,341 | $8,585 |
| 25 | $2,929 | $4,336 | $4,996 |
| 30 | $2,285 | $3,369 | $3,964 |
| 35 | $2,192 | $3,173 | $3,666 |
| 40 | $2,015 | $2,996 | $3,550 |
| 45 | $2,007 | $2,982 | $3,414 |
| 55 | $1,864 | $2,721 | $3,154 |
| 65 | $1,966 | $2,805 | $3,284 |
| 75 | $2,380 | $3,573 | $4,149 |
Average Honda Pilot Insurance Rates by Trim Level
Your vehicle's specific trim level also has a major effect on the cost of car insurance. Here are some average rates for Honda Pilot insurance by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Special Edition Sport Utility 4D | $63 | $122 |
| VP Sport Utility 4D | $67 | $129 |
| Sport SUV 4D | $67 | $130 |
| LX Sport Utility 4D | $73 | $141 |
| LX | $75 | $146 |
| Trailsport SUV 4D | $76 | $148 |
| EX Sport Utility 4D | $77 | $148 |
| Black Edition Sport Utility 4D | $77 | $149 |
| EX-L Sport Utility 4D | $78 | $150 |
| Touring Sport Utility 4D | $78 | $151 |
| SE Sport Utility 4D | $78 | $150 |
| Sport | $81 | $157 |
| Elite Sport Utility 4D | $82 | $159 |
| EX-L | $87 | $169 |
| Touring | $94 | $184 |
| Trailsport | $98 | $191 |
| Elite | $106 | $206 |
| Black Edition | $109 | $213 |
Best Honda Pilot Insurance Discounts: How to Lower Your Honda Pilot Insurance Premiums
It's easy to save even more money on Honda Pilot insurance when you follow any of these simple steps:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Ask about Honda Pilot insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Honda Pilot insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda Pilot insurance from a trusted carrier near you.
A local independent insurance agent can help you find the best Honda Pilot insurance discounts. They can also recommend additional methods to further reduce your premiums.
An Independent Insurance Agent Can Help You Get the Best Honda Pilot Insurance Quotes
When it's time to find the most affordable Honda Pilot insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Honda Pilot insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda Pilot Insurance
How much does Honda Pilot insurance cost per year?
The average annual cost of full coverage for a Honda Pilot is $1,708 per year, or approximately $142 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda Pilot insurance premiums?
Having past claims or traffic violations on your record, poor credit, and living in a high-theft area can all increase the cost of Honda Pilot insurance.
Is the Honda Pilot expensive to insure?
No, the Honda Pilot isn't expensive to insure on average. The cost of a six-month full coverage policy is only $854.
What are the best and cheapest carriers for Honda Pilot insurance in 2026?
We found that Nationwide, Progressive, and American Family are the best and cheapest car insurance companies for model-year 2025 Honda Pilot insurance this year.
Is insurance cheaper for the Pilot than for other SUVs?
Yes, the Honda Pilot's average insurance rates are cheaper than those for other SUVs. While the Pilot's average full coverage rates are just $142 per month, other SUVs average $184 per month.
How can I get cheaper Honda Pilot insurance?
Finding cheaper Honda Pilot insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/honda-pilot-car-insurance
https://www.moneygeek.com/insurance/auto/honda-pilot-insurance/
https://www.thezebra.com/auto-insurance/vehicles/honda/pilot/