Who Has Cheap Insurance Quotes for a Honda Pilot in Illinois?

When writing about shopping for auto insurance, the words cheap or affordable really should not be used anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap car insurance for a Honda Pilot just does not exist. Don’t let that ruin your day, because we are going to show you some ways you can find auto insurance that works with your budget.

Your chances of buying cheap auto insurance for a Honda Pilot in Illinois depends on a complex equation that considers factors like the safety features of your vehicle, if you have ever had a gap in coverage, and your policy deductibles. Drivers in Illinois on average pay approximately $610 annually to insure a Pilot, but that figure is a ballpark figure assuming a 30-year-old married male driver who purchased comprehensive and collision coverage and $1,000 deductibles.

There’s a good chance you are not 30 years old and maybe not even male, maybe you are single instead of married, or maybe you’ve had an at-fault accident or two. What people think is a minor change in the rating input factors can lead to a big change in how much coverage for a Honda Pilot costs.

Auto insurance is unique to each driver, so the only way to find the most affordable coverage for your Honda is to put in the effort to do a thorough rate comparison.

View Honda Pilot Insurance Rates

Your Honda’s trim level will have an impact the cost of coverage, so the price to insure a Pilot LX 2WD model will be $54 cheaper than the price to insure the more costly Pilot Touring 4WD version, as shown in the table below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in specific location which can increase or decrease coverage rates substantially.

How to find a good Illinois auto insurance company

Picking the right insurance provider is difficult considering how many companies sell insurance in Illinois. The ranking information below could help you analyze which car insurance companies you want to consider comparing rates from. The ratings below are only comprised of companies with a nationwide focus, so companies with more of a regional focus will not be included in the list.

Top 10 Large Auto Insurance Companies in Illinois Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top Companies for Honda Pilot Insurance in Illinois

The illustration below demonstrates how choosing different deductibles can influence annual premium costs when quoting cheap insurance for a Honda Pilot. Data assumes a single male driver, full coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could lower their policy premium by $266 a year by increasing from a $100 deductible to a $500 deductible, or save $402 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, have the ability to save as much as $866 every year by choosing a larger deductible amount.

When insureds make the decision to increase the deductibles on their policy, it will now be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

Drive safe and save

The obvious way to snag cheap insurance for a Honda Pilot in Illinois is to be a safe driver and not get tickets or have accidents. The information below illustrates how violations and at-fault fender-benders can affect premium costs for different ages of insureds. The premiums are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the previous example, the average cost of auto insurance in Illinois per year with a clean driving record and no accidents is $1,321. Receive one speeding ticket and the average cost surges to $1,492, an increase of $171 each year. Now add one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Honda Pilot goes up to an average of $1,956. That’s an increase of $635, or $53 per month, just for not being more responsible behind the wheel!