How much is insurance on a Honda Pilot?

Priced for the 2024 Pilot AWD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Pilot's rank is the same in every state.

Why the Honda Pilot costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Honda Pilot 4dr 4WD, on HLDI's scale where 100 is an average car and lower is better, it reports 71 for crash repairs, 97 for non-crash damage, 62 for damage to others' property, and 59 for injury claims.

• Crash repairs (collision)fixing this car after a crashBetter than average29% better than average6th best of the 25 midsize SUVs we compare
• Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage3% better than average17th best of the 24 midsize SUVs we compare
• Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultBetter than average38% better than average4th best of the 25 midsize SUVs we compare
• Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costBetter than averagefiled 41% less often than averagebest of the 21 midsize SUVs we compare

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Pilot comes out about 21% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 9% less than average: about $870 a year vs $950. On the liability side, damage to others and injury claims combine to about 40% better than average. Counting about half would go past the band insurers' own car ratings stay inside, so we hold that part at 20% less than average: $790 a year vs $990.

How the math works

In EPA size classes, the Pilot is a standard SUV (gas-powered). In Highway Loss Data Institute loss tables, the Honda Pilot is benchmarked against midsize SUVs.

Matched to HLDI series “Honda Pilot 4dr 4WD” (HLDI, 2022–24 models).

A used Honda Pilot, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.

Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Pilot AWD (0–3 years old)	about $1,660	about $790	+$1,100	about $4,760
2022 Pilot AWD (4–7 years old)	about $1,560	about $790	+$1,030	about $4,460
2018 Pilot AWD (8–12 years old)	about $1,480	about $820	+$970	about $4,230
2013 Pilot 2WD (13 or more years old)	about $1,460	about $940	+$960	about $4,170

Our catalog covers the Honda Pilot across model years 2006–2027. Full coverage on a used 2013 Pilot (13 or more years old) runs about $1,460 a year, $200 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $940 a year. Each photo shows that year's generation of the car. Photo credits.

All 4 versions of the 2024 Honda Pilot in our catalog (Pilot FWD, Pilot AWD, Pilot AWD Touring/Elite/Black and Pilot AWD TrailSport) price within about $50 a year of each other.

On a policy of their own with a 2024 Honda Pilot, a 22–25-year-old pays about $2,160 a year ($500 more than a 45-year-old), a 26–39-year-old about $1,840, and a driver 65 and older about $1,740.

Adding a 16-year-old with a Honda Pilot

Because the Honda Pilot starts from lower losses than most cars, adding a new 16-year-old driver raises the family bill by about $1,100 a year ($90 a month), $190 less than adding a teen with an average car of the same age. Putting that 16-year-old on a policy of their own instead costs about $4,760 a year, about $3,670 more than sharing the family policy.

For adding a teen driver, the Honda Pilot ranks 7th cheapest out of all 121 models we track. Stepping down to a used 2013 Pilot (13 or more years old) brings the teen add-on to about $960 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize SUVs

Among these 25 midsize SUVs, the Honda Pilot is the 4th least expensive to insure. Right next to it are the Subaru Ascent (about $1,640 a year) and the Honda Passport (about $1,720).

• 2024 Chevrolet Traverseabout $1,580 ($80 less)
• 2024 GMC Acadiaabout $1,590 ($70 less)
• 2024 Subaru Ascentabout $1,640 (about the same)
• 2024 Honda Pilotabout $1,660 (this car)
• 2024 Honda Passportabout $1,720 ($60 more)
• 2024 Toyota 4Runnerabout $1,740 ($80 more)
• 2024 Volkswagen Atlasabout $1,740 ($80 more)
• 2024 Toyota Grand Highlanderabout $1,770 ($110 more)

Photos from Wikimedia Commons contributors. Photo credits.

What a Honda Pilot costs in your state

In six sample states, a 2024 Honda Pilot runs from about $1,130 a year in Idaho through Nebraska, Oregon, Massachusetts and Colorado to about $2,190 in New York:

• Idahoabout $1,130/yr · +$750 teen
• Nebraskaabout $1,370/yr · +$900 teen
• Oregonabout $1,460/yr · +$960 teen
• Massachusettsabout $1,630/yr · +$1,080 teen
• Coloradoabout $1,910/yr · +$1,260 teen
• New Yorkabout $2,190/yr · +$1,440 teen

All 50 states and DC · Updated November 5, 2026.

Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.

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