Best Cheap Insurance for a Honda Pilot in California

Our editors have a joke that when writing about car insurance, the words “cheap” or “affordable” should never appear anywhere to describe car insurance rates. Forgive the oxymoron, but cheap car insurance for a Honda Pilot can be extremely hard to find. Don’t let that spoil your day, because we can show you some ways you can quote and buy insurance that is cheaper than what you are paying now.

Finding cheaper auto insurance for a Honda Pilot in California hinges on a calculation that uses factors like whether or not you own a home, your address, and whether or not you are a good driver. Drivers on average pay approximately $1,010 each year to insure a Pilot, but that amount is an estimate based on rates for a 50-year-old married female driver that has comprehensive and collision coverage and $500 policy deductibles.

It’s more than likely that you are not 50 years old and maybe not even female, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. Everone’s needs are different, and this illustrates why the most reliable method for finding cheap car insurance rates for your Honda is to shop around at every renewal for lower rates. It only takes a couple of minutes and you will be able to see rates from the best auto insurance companies around.

View Honda Pilot Insurance Rates

The specific trim level will be a contributing factor to the cost of coverage, so the cost to insure a Pilot LX 2WD model will be $98 less than the cost to insure the more expensive Pilot Touring 4WD trim level, as shown in the chart below.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate information does not factor in specific California garaging location which can impact rates substantially.

Finding reliable, low-priced insurance is not easy, and figuring out which company has the cheapest car insurance rates for a Honda Pilot will require even more work.

Every car insurance company has a unique approach for establishing rates, so let’s take a look at the car insurance companies with the overall cheapest rates in California.

Best Insurance Companies for Your Pilot

Compare Rates Today

USAA may offer some of the cheapest car insurance rates in California at around $1,109 per year. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the most economical California auto insurance companies.

As depicted above, if you are insured with CSAA and switched to USAA, you may realize a yearly savings of upwards of $77. California drivers with Century National could save as much as $81 a year, and Nationwide customers might lower prices by up to $141 a year.

It’s important to note that these prices are averaged across all insureds and vehicles and do not factor in a specific rating modification for a Honda Pilot. So the company that can offer the best rates for your situation may not even be included in the above rate chart. That helps illustrate why you need to quote rates from many companies using your own driver information and specific vehicle type.

How much more does full coverage cost?

Finding the best cheap insurance for a Honda Pilot in California is important to the majority of people, and an easy way to lower the cost of insurance is to only buy liability coverage. The diagram below illustrates the comparison of insurance costs with and without full coverage. The costs are based on no claims or driving violations, $100 deductibles, drivers are not married, and no policy discounts are applied.

If we average the cost for ages 20 through 70, physical damage coverage costs $3,057 per year more than just buying liability only. Many drivers may wonder when is the right time to remove full coverage. There is no written rule of when to eliminate full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after you pay the deductible. If it’s costing in excess of $200 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

How to get discounts on California car insurance rates

Insurance providers that offer the best cheap insurance for a Honda Pilot in California may additionally offer price discounts that could reduce prices by 25% or more if you meet eligibility requirements. A few popular companies and the discounts they provide can be read below.

• State Farm offers premium reductions for student away at school, safe vehicle, multiple autos, defensive driving training, and anti-theft.
• American Family offers discounts for TimeAway discount, Steer into Savings, bundled insurance, accident-free, air bags, and good driver.
• GEICO policyholders can earn discounts including anti-theft, anti-lock brakes, multi-policy, seat belt use, five-year accident-free, and membership and employees.
• 21st Century offers discounts including air bags, automatic seat belts, teen driver, good student, early bird, theft prevention, and anti-lock brakes.
• Progressive discounts include continuous coverage, online signing, good student, homeowner, multi-policy, and online quote discount.

The chart below illustrates the difference between insurance prices with and without discounts applied to the policy rates. The rates are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with safe-driver, marriage, passive restraint, multiple policy, multiple vehicle, and claim-free discounts applied. In this example, the the average amount saved on car insurance for a Honda Pilot is 28% or $801.

How to find more affordable auto insurance for a Honda Pilot

It is possible to find better rates, and here are some thrifty suggestions that can help California drivers quote the cheapest auto insurance.

• Do not pay for comprehensive and collision coverage on older vehicles
• Staying accident-free helps keep rates low
• Be a safe driver
• Pay cheaper rates with good credit scores
• Safe vehicles generally have lower rates
• Increase your physical damage deductibles
• Comparison shop at least every other year

That final tip is extremely critical, as was discussed in this write-up. Rates fluctuate constantly, so don’t be hesitant to switch companies if you can save money. Staying with the same company for years is fine, but we do not recommend it if it’s costing you a small fortune. It takes less than five minutes to compare rates to find cheaper car insurance for a Honda Pilot.