How Much are Insurance Quotes for a Honda Pilot in Maryland?

Your ability to find cheap auto insurance for a Honda Pilot in Maryland relies on a calculation that uses factors such as when you were born, whether or not you have filed claims in the past, and blemishes on your driving record. Maryland drivers pay approximately $1,070 each year for Pilot insurance, but that figure is a valuation calculated based on a 30-year-old married female with full coverage and $500 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not 30 years old and maybe not even female, you might be single instead of married, or maybe you prefer higher deductibles. Just a slight difference in rating criteria can produce large changes in policy price.

Everyone has unique insurance needs, and this illustrates why the only real way to find the cheapest rates for your Honda is to compare as many rates as possible. Quotes are free and easy and you can get prices from some of the most affordable companies around.

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The specific trim level tends to have a direct impact on the cost of coverage, so the cost to insure a Pilot LX 2WD trim level will be $106 less expensive the insurance cost for the more well-appointed Pilot Touring 4WD model, as shown in the chart below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific location which can revise price quotes greatly.

Trying to find low-priced insurance is not most people’s favorite thing to do, and finding out which company quotes the most affordable auto insurance rates for a Honda Pilot requires even more rate comparisons. Each insurance company uses slightly different criteria for determining rates in each state, so let’s begin by examining the auto insurance companies with the overall cheapest rates in Maryland.

Cheap Insurance Rates for Your Pilot

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USAA offers some of the cheapest car insurance rates in Maryland at around $948 per year. Liberty Mutual, Penn National, Erie, and State Auto also rank well as some of the cheaper Maryland insurance companies.

In the above rates, if you have coverage with State Auto and switched to Liberty Mutual, you may realize yearly savings of upwards of $134. Policyholders with Amica might save as much as $216 a year, and Travelers policyholders might reduce prices by as much as $292 a year.

To compare your rates to other Maryland insurance companies, click here to get a free quote or click several companies below for low rates.

These premium estimates are averages across all drivers and vehicles and and are not calculated with a specific rating modification for a Honda Pilot. So the auto insurance company that has the lowest price for you may not even be shown in the rate chart shown above. That point stresses why you need to compare prices as often as possible using your own individual information.

Types of discounts on Maryland auto insurance

Insurance companies that provide cheap insurance for a Honda Pilot in Maryland may also offer special discounts that can lower rates by as much as 35% or more if you meet eligibility requirements. A few of the larger companies and some of their more popular discounts are:

The chart below shows the difference between insurance premiums with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims or violations, Maryland state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, multiple vehicle, vehicle safety, defensive driving course, accident-free, and passive restraint discounts applied. When discounts are factored in, the the average yearly reduction on auto insurance for a Honda Pilot is % or $.

The chart below demonstrates how deductible levels can affect premium costs when getting quotes for cheap insurance for a Honda Pilot. The prices are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

As shown above, a 40-year-old driver could lower their car insurance rates by $414 a year by changing from a $100 deductible to a $500 deductible, or save $626 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, could shave up to $1,348 or even more just by choosing larger deductibles.

If you do make the decision to raise your deductibles, it is essential to have spare funds to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Best rates: State Farm, Allstate, Geico, or Progressive

When shopping for insurance for a Pilot, the most popular companies are State Farm, Allstate, Geico, and Progressive. When combined, they make up nearly half of all car insurance policies written. The data below compares and contrasts price and claims rank as well as some different options shoppers can find with each company.

Cheap Honda Pilot insurance quotes

Thanks to the internet, there are a lot of ways to shop around for auto insurance in Maryland, but the most prevalent methods are from a non-exclusive or independent agent, a captive (or exclusive) agency such as Liberty Mutual or Allstate, or from a direct company like Progressive or Geico. They all have the same basic principle, but they differ slightly in how they provide rate quotes.

Independent agencies are appointed by several companies and can do rate comparisons with all of them. Agents of this type do not write with just one company and can get prices from more than one company, which can help you get improved odds of finding cheaper coverage. If prices rise, your policy can be easily switched to a different company which prevents you from having to find an new insurance agent.

An agent who is captive is only able to write business for just one company like a Farmers or Allstate agent. These agents normally cannot compare rates from other companies, which does not give you the best rate comparison.

The third way to buy auto insurance is direct which means you forego a local insurance agent and buy buying direct from a company like Esurance or Geico. Shopping direct can be good for families who do not have a complex risk profile and have a decent understanding of what specific coverages and deductibles they need.

Which way works best to buy cheap insurance for a Honda Pilot in Maryland? Most drivers assume that buying from a direct car insurance company results in the cheapest price since there is no need to pay agent commissions, but unfortunately, it’s not that cut and dried. And we’d like to say buying auto insurance from an independent agent saves the most money since there are more companies to choose from, but that is not accurate either. And occasionally, exclusive agents have coverage prices that cannot be beaten by either independent or direct companies.

Because there are so many factors that make up auto insurance rates, really the best method to ensure you are not overpaying is to get quotes and compare the rates. If you have the time, get price quotes from independent, exclusive, and direct to give yourself plenty of rates to compare. For a list of companies with online discounts, click here to view.