Best Cheap Insurance for a Honda Pilot in Ohio

Our editors always tell us that when writing about car insurance, the word affordable should never be used anywhere in the article. It’s just reality that cheap car insurance for a Honda Pilot is just plain contradictory. Don’t let that get you down, though, because we are going to show you some ways you can find auto insurance that is affordable.

The chances that you’ll find cheaper insurance for a Honda Pilot in Ohio depends upon a lot of different factors like your age, if you have a lapse in coverage, and whether or not you are a good driver. Drivers in Ohio will pay around $520 a year to insure a Pilot, but that policy rate is an estimate assuming a 30-year-old married male that purchased full comprehensive and collision coverage and $1,000 policy deductibles.

More than likely, you are not 30 years old and maybe not even male, maybe you are single instead of married, and maybe your Pilot just needs liability-only coverage. Just a slight difference in policy rating factors can make a huge difference in policy price.

Every driver has a different risk profile, so the best way to quote cheap auto insurance rates for your Honda is to make a habit of comparing rates at every renewal. It’s really quite easy you can get rates from top-rated companies that insure vehicles in Ohio.

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The specific trim level tends to have a direct effect on the yearly cost, so the rate you pay to insure a Pilot LX 2WD will cost $48 less than the price to insure the higher-priced Pilot Touring 4WD version, as shown in the chart below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can decrease or increase coverage rates considerably.

Insuring your vehicle with the top company can be rather challenging considering how many choices drivers have in Ohio. The rank data shown next may help you pick which insurers you want to consider when shopping car insurance rates for a Honda Pilot.

The ratings below include the largest auto insurers in America, so smaller companies that only insure vehicles in Ohio are not factored into these rankings. To compare rates and find cheaper insurance for a Honda Pilot, click this link.

Top 10 Large Auto Insurance Companies in Ohio Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. GEICO
7. AAA Insurance
8. Safeco Insurance
9. Esurance
10. The General

Top Companies for Honda Pilot Insurance in Ohio

Discounts on the best cheap insurance for a Honda Pilot in Ohio

Insurers that provide policies for a Honda Pilot may also provide price discounts that could potentially reduce rates by 25% or more if you are eligible for them. Popular car insurance companies and a selection of discounts are shown below.

The information below shows the comparison of annual premium costs with and without discounts applied to the rates. The rate quotes are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, safe-driver, claim-free, passive restraint, anti-theft, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the the amount saved on car insurance for a Honda Pilot is 17% or $219.

Who has the cheapest Pilot insurance?

Ohio car insurance rates are based on many factors that control the cost of having a policy. Turning one year older, filing a claim, or getting a few speeding tickets can cause premium changes that can make some companies cheaper than others.

Additionally, insurers file new rates as needed to adjust for gains or losses. Higher than normal claim frequency or severity can result in higher priced premiums, while long-term profits may produce cheaper Pilot insurance rates.

To illustrate this example, the graph below shows rates for the cheapest car insurance in Ohio for a 45-year-old male driver with no accidents, a clean driving record, and excellent credit. When comparing rates based on his current risk factors, Utica National has the best car insurance rates in Ohio at $647 per year. This is $393 less than the average rate paid by Ohio drivers of $1,040. Erie, Frankenmuth, Allied, and Travelers are also on the list of the cheapest Ohio auto insurance companies.

Now let’s give the driver from the first rate comparison a claim or two, bad credit, and a few traffic violations. Because each insurer has their own guidelines for filing rates in each state, analyzing rate quotes will most likely result in a new list of the cheapest Ohio car insurance companies as shown below.

Merchants Insurance Group now has the cheapest price in Ohio with Cincinnati Insurance, Grange Mutual, Motorists Mutual, and General Casualty also being competitive. This shows why it is so important to shop around with many companies to find the most economical car insurance rates for a Honda Pilot.

Insurance rates are made up of many risk factors and change substantially, so the lowest-price company the last time you checked may now be wasting a lot of money.

Who has the cheapest Honda Pilot insurance quotes?

Thanks to technology, there are a lot of ways to find affordable car insurance in Ohio, but the most common ways are from an exclusive agency like Liberty Mutual or State Farm, an independent agent, or direct from companies such as Progressive or Geico. All three ways are similar, but they differ slightly in how they provide price quotes.

Independent insurance agencies have contracts with many companies and can provide price quotes from all of them. Agents of this type have the option to compare multiple rates, which may provide you with improved odds of finding cheaper coverage. If your premiums go up, the agent simply finds a different carrier which makes it easier to save money.

A captive, or exclusive, agent is limited to one insurance company, two examples are Farmers Insurance or State Farm agents. Exclusive agents are unable to provide other companys’ prices, which does not give you the best rate comparison.

When you buy car insurance direct, you bypass either of the other two types of agents and instead shop buying direct from a company like Geico or Esurance. Shopping for car insurance direct can be a good choice for drivers who have lower risk management needs and understand how car insurance works and possible exclusions.

So which method is best to buy the best cheap insurance for a Honda Pilot in Ohio? We’d like to say buying from a direct car insurance company results in the cheapest price since there is no middleman, but unfortunately, that is not always true. We could also say that an independent agent is the best way because they can quote many companies, but that’s not always true, either. And sometimes, the exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Because it’s impossible to say who has the best car insurance rates, the only real way to find out which one is cheapest is to compare rate quotes from as many companies as possible. Take some time and get prices from all three to have the best selection of rates to choose from. For a list of car insurance companies with low rates, click here to view.

How to find more affordable car insurance for a Honda Pilot

The list below details some of the recommended money-saving solutions that can help Ohio drivers find the cheapest coverage.

• On older vehicles, drop full coverage
• Increase your policy deductibles
• Ensure your driving record is clean
• At-fault accidents will increase rates
• Earn a discount by not filing claims
• Compare prices frequently to find the best deal

The last tip is extraordinarily critical, as was noted in this article. Coverage prices in Ohio change frequently, so you should be ready to buy from a different company if you can find a cheaper rate.

Staying with the same company for years is fine, but we do not recommend it if that inflexibility results in costing you thousands of dollars over several years. It only takes a couple minutes to compare rates and find cheaper car insurance for a Honda Pilot.