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

The chances of buying affordable auto insurance for a Honda Pilot in Washington is contingent on a complicated formula that considers factors like if you are married or single, where you live, and whether or not you are a good driver. Drivers in Washington on average will pay $810 every 12 months to insure a Pilot, but that price is an estimation using cost data for a 40-year-old single female that wants comprehensive and collision coverage and $1,000 physical damage deductibles.

But there is a good chance that you may not be 40 years old (or even female), maybe you are married instead of single, and there is a good chance that there are other drivers on your policy. Every insurance policy is unique to the driver, so the best way to find the cheapest coverage for your Honda is to just compare rates yourself.

Find Cheaper Honda Pilot Insurance

Your Honda’s trim level can impact price, so the cost to insure a Pilot LX 2WD model will cost $64 less than the insurance cost for the more well-appointed Pilot Touring 4WD version, as demonstrated by the prices below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific Washington garaging location which can affect coverage prices greatly.

Locating low-priced auto insurance is confusing at best, and finding out which companies quote the best insurance rates for a Honda Pilot involves more quotes for comparison. Each insurer uses their own method for determining rates in each state, so let’s take a look at the insurance companies with the overall cheapest rates in Washington.

It’s important that readers know that Washington insurance rates are impacted by many things that can increase the policy price. Simply improving your credit, becoming a homeowner, or getting caught speeding may prompt premium changes that can cause some rates to be more expensive than competitors.

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Capital normally has some of the most affordable car insurance rates in Washington at around $777 annually. Grange, PEMCO, Nationwide, and Mutual Enumclaw would also make the list of some of the best Washington insurance companies.

In the above rates, if you currently buy coverage from Mutual Enumclaw and switched to Grange, you might see a yearly price reduction of in the neighborhood of $187. Insureds with Travelers could save as much as $191 a year, and USAA customers might cut rates by $203 a year.

To discover how much you can save, click here to get a free quote or quote rates from the companies below.

It’s important to note that these estimates are averages across all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Honda Pilot. So the company that fits your needs best may not even be in the company chart above. That helps illustrate why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

Full coverage rates vs. liability-only

Finding cheap insurance for a Honda Pilot in Washington is probably important to the majority of drivers, and one of the easiest ways to pay lower rates for insurance is to not buy comprehensive and collision coverage. The example below illustrates the difference between yearly insurance costs with full coverage compared to only the Washington minimum liability coverage. The rates are based on no accidents or driving violations, $100 deductibles, single marital status, and no discounts are applied to the premium.

As an average, comprehensive and collision coverage on your policy costs an additional $1,858 per year more than just buying liability insurance. A very common question is if buying full coverage is a good investment. There is no definitive guideline to stop buying physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

There are a few cases where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

The chart below shows how different deductible levels can increase or decrease insurance prices when searching for cheap insurance for a Honda Pilot. The premiums are based on a single female driver, full physical damage coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could pocket $332 a year by switching from a $100 deductible to a $500 deductible, or save $502 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could save up to $732 or even more by using a higher deductible. When using a larger deductible, it is important to have additional savings on hand to satisfy the extra out-of-pocket expense that is associated with using high deductibles.