Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 14, 2019

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It’s common for new car buyers to learn as much as they can about how their new vehicle stacks up against the competition.

However, many consumers forget to compare the long-term cost of ownership for the different vehicles they are considering.

How much is car insurance for the Honda Pilot? Compare Auto Insurance Quotes online

A vehicle’s long-term cost of ownership includes components like depreciation, fuel costs, scheduled maintenance, and of course, car insurance premiums. Costs for items like these can vary significantly among new vehicles, so the car with the lowest sticker price isn’t necessarily the most economical choice overall.

While maintenance costs and depreciation are fairly uniform from driver to driver, car insurance rates tend to vary substantially. Auto insurance companies use individual factors like your credit history, driving record and demographic characteristics to estimate your insurance risk.

This formula can lead to substantially different premiums for two people who drive the same type of vehicle.

Is the Honda Pilot for You?

The Honda Pilot is a midsize SUV that retails for an average price of between $27,390 and $39,143, according to U.S. News and World Report. The base model 2-wheel drive LX starts at $28,320, while a 4-wheel drive Touring model with all the options will cost over $40,000.

If you’re planning to use your Honda Pilot for towing, the 2-wheel drive models can pull up to 3,500 pounds, and the 4-wheel drive models can tow up to 4,500 pounds.

The Honda Pilot has room for families, with seating capacity for up to eight, and it offers a laundry list of standard safety features to ease the minds of concerned parents.

Safety features are also an important consideration in insurance rate calculations.

All seats feature 3-point seat belts, and all three seating rows are equipped with side-curtain airbags. Other standard safety features in the Pilot include the following:

  • Electronic stability control and traction control
  • Tire pressure monitoring system
  • Brake assist and electronic brake distribution
  • Side-impact door beams

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Honda Pilot Safety Ratings

All of these standard safety features have helped to earn the Honda Pilot top safety ratings from the federal government’s ratings agency and the Insurance Institute for Highway Safety (IIHS). These ratings are a critical factor in car insurance rate decisions.

The federal government gave the 2010 Honda Pilot 5-star crash test ratings in all major categories except for rollovers, in which the Pilot received a still-respectable 4-star rating. From the IIHS, the Pilot received the top rating of “Good” in frontal, side, and rear impact crash tests.

The 2011 Honda Pilot has not been tested yet, but it is expected to perform just as well because its design is nearly identical to that of the 2010 Pilot.

In addition to its high overall safety ratings, the Honda Pilot also offers some unique safety features that set it apart from other midsize SUVs.

First, its design incorporates four seat positions equipped to secure child seats, while most SUVs only have three. This is a hard-to-find feature that’s ideal for families who plan to transport lots of young children.

Second, a backup camera is available on both the EX-L and Touring models. Both versions of the camera received high marks from reviewers, but the camera in the Touring model was found to be particularly effective because it appears on an unusually large display on the vehicle’s navigation screen.

According to Edmunds, one notable drawback of the Honda Pilot is its unusually long braking distance of nearly 150 feet from 60 mph.

Honda Pilot and the Competition

The Honda Pilot’s safety ratings and features will certainly help to bring down the cost of insuring it, but how does it stack up against its competition?

Although its safety ratings are hard to beat, U.S. News and World Report ranks the Pilot at #17 overall out of 23 midsized SUVs on the market. It is moderately priced compared to some competitors, but it is certainly not the most economical choice in this category.

It gets a mediocre 17 mpg in the city and 23 mpg on the highway, which means its fuel economy ranks well below what competitors like the Ford Edge, Hyundai Santa Fe, and Toyota Highlander have to offer.

The Pilot stands up a bit better against the competition when it comes to performance. Popular Mechanics says that the towing capacity in the 4-wheel drive Pilot compares well to other midsize SUVs.

Although no one will confuse the Honda Pilot with sport-oriented luxury SUVs, most reviewers found that its V6 engine provided adequate power. Edmunds applauded the Pilot’s smooth ride, but was less impressed with the vehicle’s steering.

Reviewers from Cars.com and the Detroit News both found the Honda Pilot’s handling acceptable, but not good enough to distinguish it from more nimble competitors like the Nissan Murano and the Mazda CX-9.

In terms of reliability, the Pilot received an impressive 8.0 out of 10 from J.D. Power and Associates. Aside from the Ford Edge, the Pilot is the only vehicle in its class to receive such a high rating.

Overall, the Honda Pilot’s strong suits are its flawless safety ratings, standout seating and towing capacity, and solid reputation for reliability. In terms of performance, price, and fuel economy, the Pilot is merely average.

Honda Pilot Car Insurance

Given the Honda Pilot’s high safety ratings, car insurance rates for this midsize SUV are very reasonable. According to Kelley Blue Book, they could be as low as $850 per year for drivers with excellent records.

Don’t forget to enter your zip code into the box on this page to get personalized auto insurance quotes.

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