The odds of finding the best cheap insurance for a Honda Pilot in Utah depends upon a complex rating formula that takes into consideration things such as whether you are a homeower, your credit status, and your motor vehicle report. Drivers in Utah will pay around $620 each year to buy insurance for a Honda Pilot, but that rate is an approximation based on rates for a 30-year-old married male driver who requires comprehensive and collision coverage and $1,000 policy deductibles.
Odds are that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you had a chargeable driving offense. What people think is a minor change in policy rating factors can make a big difference in the price of coverage.
Auto insurance is not “one size fits all”, so the most reliable method for finding cheap insurance rates for your Honda is to compare as many rates as possible.
View Honda Pilot Insurance Rates
The trim level of your vehicle will influence the yearly cost, so the cost to insure a Pilot LX 2WD will be $56 less than the price to insure the more well-appointed Pilot Touring 4WD model, as shown in the prices below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Pilot LX 2WD | $128 | $180 | $268 | $16 | $80 | $672 | $56 |
Pilot EX 2WD | $144 | $180 | $268 | $16 | $80 | $688 | $57 |
Pilot EX 4WD | $144 | $180 | $268 | $16 | $80 | $688 | $57 |
Pilot EX-L 2WD | $144 | $220 | $268 | $16 | $80 | $728 | $61 |
Pilot EX-L 4WD | $144 | $220 | $268 | $16 | $80 | $728 | $61 |
Pilot Touring 2WD | $144 | $220 | $268 | $16 | $80 | $728 | $61 |
Pilot Touring 4WD | $144 | $220 | $268 | $16 | $80 | $728 | $61 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can modify price quotes greatly.
Choosing a high-quality company can be rather challenging considering how many choices there are in Utah. The ranking data shown below may help you pick which coverage providers to look at comparing prices from. The rankings below include large insurance companies, so companies that may only write in Utah will not be included in this list.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
American Family | 98 | 89 | 100 | 86% | A | 95.4 |
State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
The General | 89 | 91 | 89 | 88% | A- | 90 |
Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies
The diagram below demonstrates how deductible levels can influence insurance costs when researching cheap insurance for a Honda Pilot. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.
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As shown above, a 40-year-old driver could lower rates by $196 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $298 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could lower their rates as much as $644 or more just by choosing higher deductibles.
If you do raise deductibles, it is important to have plenty of money set aside to offset the extra out-of-pocket expense, which deters some people from using high deductibles.
If you’re looking for the best insurance for a Pilot in Utah, four companies to take a look at are Allstate, Progressive, Geico, and State Farm. The next table shows ratings for price and service, as well as some optional coverages that may be available in Utah.
Allstate | Progressive | Geico | State Farm | |
---|---|---|---|---|
Discounts Available | 1st | 4th | 2nd | 3rd |
Price Overall | 4th | 3rd | 1st | 2nd |
Claims Handling | 1st | 4th | 3rd | 2nd |
Customer Satisfaction | 2nd | 3rd | 1st | 4th |
U.S. market share | 10% | 8.8% | 11.4% | 18.3% |
Customer recommendation | 86% | 88% | 87% | 88% |
A.M. Best financial rating | A+ | A+ | A++ | A++ |
Standard & Poor’s financial rating | AA- | AA | AA+ | AA |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Mechnical breakdown | No | Yes | Yes | No |
New car replacement insurance | Yes | No | No | No |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Accident forgiveness | Yes | Yes | Yes | No |
Usage-based rating | Yes | Yes | No | Yes |
Insurance Agents | Can only buy from Allstate agents | Buy online or from an independent agent | Can buy online or use a Geico agent | State Farm-only agents |
Number of agents | 11,000+ | 30,000+ | 150+ | 18,000+ |
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