How Much Does Insurance Cost for a Honda Pilot in Idaho?

How Much Does Insurance Cost for a Honda Pilot in Idaho?

Your chances of finding cheaper coverage for a Honda Pilot in Idaho is contingent on a complex equation that considers factors such as your birth date, if you currently have coverage, and the deductible amount you use. Drivers in Idaho will pay around $660 annually to insure a Honda Pilot, but that is a valuation based on a 50-year-old married female driver who requires full coverage including both comprehensive and collision and $100 policy deductibles.

When making auto insurance estimates, the issue arises that you are not exactly 50 years old and possibly not even female, possibly single instead of married, or maybe you want different physical damage deductibles. Every driver’s needs are different, and that is why the best way to quote cheap insurance prices for your Honda is to just compare rates yourself.

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The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price to insure a Pilot LX 2WD trim level will be $74 less than the price to insure the more well-appointed Pilot Touring 4WD trim level, as shown below.

Honda Pilot Insurance Rates in Idaho
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $156 $250 $222 $14 $66 $708 $59
Pilot EX 2WD $176 $250 $222 $14 $66 $728 $61
Pilot EX 4WD $176 $250 $222 $14 $66 $728 $61
Pilot EX-L 2WD $176 $304 $222 $14 $66 $782 $65
Pilot EX-L 4WD $176 $304 $222 $14 $66 $782 $65
Pilot Touring 2WD $176 $304 $222 $14 $66 $782 $65
Pilot Touring 4WD $176 $304 $222 $14 $66 $782 $65
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in your specific Idaho location which can change premiums greatly.

Picking a highly-rated auto insurance provider can be difficult considering how many choices drivers have in Idaho. The ranking information below may help you pick which coverage providers to look at when shopping car insurance rates for a Honda Pilot.

The rankings below are only comprised of large, nationwide insurance companies, so companies that only write business in Idaho or surrounding areas are not factored into these rankings. To get rate quotes from these and other companies in Idaho, click this link.

Top 10 Major Auto Insurers in Idaho Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Progressive – A+
  9. The Hartford – A+
  10. The General – A-

Top 10 Major Auto Insurers Overall in Idaho

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Progressive
  9. Allstate
  10. Nationwide

Top Companies for Honda Pilot Insurance in Idaho

Tickets and at-fault accidents raise rates

One of the best ways to get cheap insurance for a Honda Pilot in Idaho is to pay attention while driving and not get tickets or have accidents. The diagram below highlights how speeding tickets and at-fault fender-benders can increase insurance costs for different categories of driver ages. Data assumes a single female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

The data in the chart shows the average cost of an auto insurance policy in Idaho per year with a clean driving record and no accidents is $1,186. Get written up for two speeding tickets and the average cost increases to $1,580, an increase of $394 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for a Honda Pilot goes up to an average of $1,972. That’s an increase of $786, or $65 per month, just for not keeping your driving record clean!

Ideas for buying economical car insurance for a Honda Pilot

It’s not impossible to find cheaper rates, and here are a few money-saving solutions that can help you buy cheaper coverage.

  • At-fault accidents will increase rates
  • Save money by insuring older vehicles for liability only
  • Serious violations like DUI or careless driving can make car insurance unaffordable
  • Increase your comprehensive and collision deductibles
  • Try paying for small claims out-of-pocket
  • Comparison shop frequently

The last suggestion is particularly crucial, as was discussed in this article. Insurance rates in Idaho change constantly, so don’t be afraid to buy a different policy if a better rate can be found. Sticking with a specific company is fine, but it’s not a great idea if that faithfulness ends up costing you lots of hard earned cash every month. It only take a few minutes to compare rates to find cheaper car insurance for a Honda Pilot.