How Much is Insurance for a Honda Pilot in Michigan?

Our editors keep telling us that when writing about car insurance, the word cheap really should not be used anywhere in the article as a descriptor for auto insurance rates. It’s just reality that cheap auto insurance for a Honda Pilot just does not exist. Don’t let that discourage you, because we can show you some ways you can still get auto insurance that you can fit into your budget.

Finding the cheapest insurance for a Honda Pilot in Michigan is dependent upon a complicated rating formula that uses factors such as how far you drive to work, your address, and citations or violations on your driving record. Drivers pay around $2,120 each year to buy insurance for a Honda Pilot, but that policy rate is an estimate based on rates for a 50-year-old single male who requires full coverage including both comprehensive and collision and $250 deductibles.

The issue that arises when projecting rates is that it’s very likely that you aren’t exactly 50 years old or even a male, married instead of single, or maybe you rent instead of own your home. Auto insurance is unique to every driver, so the best way to quote the cheapest rates for your Honda is to quote often and with as many companies as possible. Get a free quote now and you will receive prices from the best auto insurance companies that insure Honda vehicles in Michigan.

Insure Your Honda for Less

The trim level of your Honda will most likely have an effect on the cost of coverage, so the price you pay to insure a Pilot LX 2WD trim level will be $224 cheaper than the price to insure the higher-end Pilot Touring 4WD trim level, as shown in the table below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific location which can influence premiums greatly.

Choosing a high-quality car insurance provider can be a challenge considering how many choices drivers have in Michigan. The ranking data displayed below can help you choose which auto insurance companies you want to consider comparing rate quotes with.

The rankings below include large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for these rankings. To view rates from these and other top-rated companies, click this link.

Top 10 Large Car Insurance Companies in Michigan Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Farmers Insurance
8. Allstate
9. Safeco Insurance
10. Liberty Mutual

Top 10 Large Car Insurance Companies in Michigan Ranked by Customer Satisfaction

1. The Hartford – 93%
2. Progressive – 90%
3. 21st Century – 89%
4. USAA – 87%
5. State Farm – 87%
6. Safeco Insurance – 86%
7. AAA Insurance – 86%
8. Farmers Insurance – 85%
9. GEICO – 85%
10. American Family – 85%

Top Companies for Honda Pilot Insurance in Michigan

Insurance rate increases from tickets or accidents

In a perfect world, the best way to receive cheap insurance for a Honda Pilot in Michigan is to be a safe driver and avoid getting tickets or having accidents. The illustration below illustrates how traffic citations and fender-benders influence insurance prices for different categories of driver ages. The costs are based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.

In the chart above, the average cost of an auto insurance policy in Michigan per year with no accidents or violations is $4,765. Get one speeding ticket and the average cost surges to $5,365, an increase of $601 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Honda Pilot increases to an average of $7,059. That’s an increase of $2,295, or $191 per month, just for not being more responsible behind the wheel!

Company comparison: Allstate vs State Farm vs Progressive vs Geico

When shopping around for auto insurance, probably the best companies to start with are Allstate, State Farm, Progressive, and Geico. The data below illustrates price and claims rank as well as some different options you can buy with each company.