Cheap Insurance for a Honda Pilot in West Virginia

The chances of finding the cheapest coverage for a Honda Pilot in West Virginia depends on a large number of rating criteria like your financial responsibility, if you currently have coverage, and blemishes on your driving record. Drivers in West Virginia on average pay approximately $1,270 annually to buy insurance for a Honda Pilot, but that price is an approximation using cost data for a 30-year-old single male driver who requires full coverage and $250 policy deductibles.

Most likely you may not be 30 years old (or even male), maybe you are married instead of single, or maybe you just want liability only instead of full coverage. Changing even a minor factor in the rating criteria used to formulate rates could result in a significant change in how much insurance for a Honda Pilot costs.

Auto insurance rates are unique for each driver, so the best method for finding cheap insurance prices for your Honda is to put in the effort and compare rates.

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The trim level of your Pilot will be a contributing factor to the cost of coverage, so the price to insure a Pilot LX 2WD trim level will cost $126 less than the price to insure the fancier Pilot Touring 4WD model, as shown by the rates below.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can alter prices considerably.

Trying to buy affordable insurance is challenging, and determining which company quotes the most affordable auto insurance rates for a Honda Pilot involves a bit more work. Each insurer has a different process for determining rates in each state, so let’s take a look at the auto insurance companies with the overall cheapest rates in West Virginia.

Cheapest Insurance Rates for Your Pilot

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Erie normally has some of the lowest car insurance rates in West Virginia at around $904 annually. The Hartford, State Auto, Westfield, and USAA would also be considered some of the best West Virginia auto insurance companies.

As the rates illustrate above, if you have coverage with USAA and switched to The Hartford, you might see savings of roughly $297. Drivers with State Farm might save as much as $479 a year, and Progressive policyholders might lower prices by up to $510 a year.

Understand that those premium estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Honda Pilot. So the insurer that is best suited for you may not even be in the list of companies above. That is why you need to compare prices as often as possible using your own driver and vehicle profiles.

The illustration below illustrates how your choice of deductibles can increase or decrease yearly insurance costs when searching for cheap insurance for a Honda Pilot. The information is based on a married female driver, full coverage, and no other discounts are factored in.

In the chart above, a 50-year-old driver could lower their car insurance rates by $274 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $416 by changing to a $1,000 deductible. Young drivers, like the 20-year-old example, could roll back prices $678 or more just by choosing larger deductibles.

When raising deductibles, it is essential to have plenty of money set aside to be able to pay the extra out-of-pocket expense that comes with higher deductibles.

Cheapest car insurance: Geico, State Farm, Allstate, or Progressive

If you are looking for the best insurance for a Pilot in West Virginia, the most popular companies are Geico, State Farm, Allstate, and Progressive. All four offer physical damage and liability coverage, but each has different features and discounts that may influence your choice. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages you can expect with each one.