Cheap Insurance Quotes for a Honda Pilot in North Carolina

Our content editors always give us grief that when writing about car insurance, the words cheap or affordable should never appear as a descriptor for car insurance rates. Be that as it may, cheap auto insurance for a Honda Pilot is just plain contradictory. Don’t let that spoil your day, because we will teach you how you can get coverage that doesn’t break your budget.

The chances that you’ll find cheaper auto insurance for a Honda Pilot in North Carolina is contingent on a complex equation that considers factors like how experienced of a driver you are, whether or not you have had gaps between policies, and if you had any at-fault accidents in the last few years. Drivers in North Carolina on average will pay $840 annually to insure a Honda Pilot, but that policy rate is an estimation using cost data for a 40-year-old single male driver who needs full coverage including both comprehensive and collision and $250 physical damage deductibles.

It’s more than likely that you are not a 40-year-old male, maybe you are married instead of single, and there is a good chance that you need different coverage limits than the exampe. Having what appears to be a very minor change in the rating criteria used to formulate rates can precipitate large changes in how much coverage for a Honda Pilot costs.

There is no perfect policy for every driver, so the best way to quote the cheapest rates for your Honda is to just take the time to do a thorough rate comparison. To cut your rates now, get a free quote and you will be able to compare rates from some of the cheapest companies available.

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The trim level of your Honda has an effect on the coverage cost, so the cost to insure a Pilot LX 2WD model will be $90 less than the insurance cost for the fancier Pilot Touring 4WD model, as shown in the table below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in your specific North Carolina location which can change premium rates noticeably.

Insurance company ratings

Buying coverage from the top car insurance company can be rather challenging considering how many different companies insure vehicles in North Carolina. The ranking data in the next section may help you pick which car insurance providers you want to consider purchasing coverage from. These ratings are only comprised of companies that insure vehicles nationwide, so companies that focus mainly on North Carolina business are not taken into consideration for this list.

Top 10 Large Auto Insurance Providers in North Carolina Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Honda Pilot Insurance in North Carolina

Cost difference between full coverage and liability

Finding cheap insurance for a Honda Pilot in North Carolina is important to most vehicle owners, and one good way to buy cheap insurance is to only buy liability coverage. The chart below shows the difference between car insurance costs when comparing full coverage to liability only. The prices are based on no accidents, no driving violations, $100 deductibles, single status, and no additional discounts are factored in.

Averaged for all age groups, comprehensive and collision coverage on your policy costs an additional $1,572 per year more than just buying liability insurance. That amount may make you wonder if it’s a good idea to buy full coverage. There is no specific rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s book value is $7,500 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,500 after paying the physical damage deductible. If you are paying more than $650 annually for your policy with full coverage, then it could be time to drop full coverage.

How to get discounts on North Carolina insurance

Car insurance companies that offer cheap insurance for a Honda Pilot in North Carolina may additionally offer premium discounts that could potentially reduce rates by as much as 30% if you can meet the requirements. Large insurance companies and a summarized list of policyholder discounts are included below.

• Progressive may offer discounts for multi-vehicle, multi-policy, online quote discount, online signing, and good student.
• The Hartford has discounts for vehicle fuel type, good student, air bag, driver training, anti-theft, and defensive driver.
• Mercury Insurance discounts include multi-policy, ease of repair, age of vehicle, professional/association, and anti-theft.
• GEICO offers premium reductions for five-year accident-free, defensive driver, driver training, emergency military deployment, anti-theft, multi-vehicle, and anti-lock brakes.
• AAA includes discounts for AAA membership discount, good driver, education and occupation, good student, pay-in-full, and multi-policy.
• State Farm offers discounts including passive restraint, accident-free, good student, good driver, safe vehicle, defensive driving training, and anti-theft.

The diagram below illustrates the comparison of insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no accidents or driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with safe-driver, anti-theft, multiple policy, accident-free, passive restraint, and vehicle safety discounts applied. When discounts are applied, the the amount saved on insurance for a Honda Pilot is 27% or $414.

Company comparison: Allstate vs State Farm vs Progressive vs Geico

When comparing insurance for a Pilot, the most popular companies are Allstate, State Farm, Progressive, and Geico. All offer your standard physical damage and liability coverages, but each one has slightly different coverages and options that add value to each policy. The next table breaks down ratings for price and service, as well as some optional coverages that policyholders can buy.