Finding the best cheap coverage for a Honda Pilot in California depends on an enormous amount of rating factors such as how old the Pilot is, if you are a frequent claim filer, and any prior driving offenses you have. Drivers in California will pay on average $1,238 each year for Pilot insurance, but that figure is an approximation calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
There’s a high likelihood you are not 50 years old and maybe not even female, possibly single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Auto insurance requires individual risk assessment, so the best way to find the cheapest rates for your Honda is to compare rates from as many companies as possible.
Compare Honda Pilot Insurance Rates
Your vehicle’s trim level impacts price, so the price you will be charged to insure a Pilot LX 2WD will be $140 cheaper than the insurance cost for the more well-appointed Pilot Touring 4WD version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Pilot LX 2WD | $292 | $468 | $416 | $24 | $124 | $1,324 | $110 |
| Pilot EX 2WD | $330 | $468 | $416 | $24 | $124 | $1,362 | $114 |
| Pilot EX 4WD | $330 | $468 | $416 | $24 | $124 | $1,362 | $114 |
| Pilot EX-L 2WD | $330 | $570 | $416 | $24 | $124 | $1,464 | $122 |
| Pilot EX-L 4WD | $330 | $570 | $416 | $24 | $124 | $1,464 | $122 |
| Pilot Touring 2WD | $330 | $570 | $416 | $24 | $124 | $1,464 | $122 |
| Pilot Touring 4WD | $330 | $570 | $416 | $24 | $124 | $1,464 | $122 |
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in garaging location in Los Angeles which can modify rates considerably.
Insuring your vehicle with the right auto insurance company is difficult considering how many companies there are to choose from in Los Angeles. The company information in the lists below can help you select which auto insurance companies to look at when looking for cheaper rates. The ratings below only include the largest companies in the United States, so companies with more of a regional focus are not factored into this list.
Top 10 Major Auto Insurers in Los Angeles Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurers in Los Angeles Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Comparison of full coverage and liability-only policies
Saving money on car insurance is important to most people, and an easy way to pay lower rates for insurance for a Honda Pilot is to not pay for full coverage. The illustration below illustrates the comparison of car insurance rates with full coverage and liability only. The rate quotes are based on no violations or claims, $500 deductibles, marital status is single, and no policy discounts are applied.
If the expense is averaged for all age categories, full coverage on your policy costs $2,502 per year over liability only. At some point, almost every driver questions if buying full coverage is worth the money. There is no definitive formula of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.
The example below illustrates how choosing a deductible can impact annual premium costs when getting quotes for cheap insurance for a Honda Pilot. The prices are based on a married male driver, full coverage, and no other discounts are factored in.
In the chart above, a 50-year-old driver could lower rates by $382 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $578 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save up to $1,266 annually by choosing a larger deductible amount.
If you do raise deductibles, it will be necessary to have additional funds squirreled away to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Ideas for finding the cheapest car insurance for a Honda Pilot
The list below summarizes many thrifty solutions that can help Los Angeles drivers quote low-cost coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- Drivers with good credit ratings often pay less
- Maintain a safe distance and avoid accidents
- Raise your physical damage coverage deductibles
- Do not pay for full coverage if not needed
- Vehicles with good safety ratings are usually cheaper to insure
- Compare rates often to find the best deal
The last tip is highly valuable, as we emphasized in this article. Auto insurance prices change a lot, so don’t be tentative to change to a new company if a more affordable rate is found.
We understand brand loyalty, but it’s not a great idea if that devotion results in you overpaying hundreds every year. It only takes a couple minutes to compare prices to find cheaper auto insurance for a Honda Pilot in Los Angeles.