Who Has the Cheapest Insurance for a Honda Pilot in Delaware?

When writing about shopping for car insurance, the words cheap or affordable shouldn’t be used anywhere in the article to describe car insurance rates. Excuse the oxymoron, but cheap car insurance for a Honda Pilot may be a thing of the past. But don’t despair, because we will show you how you can still get auto insurance that most people can afford.

Your odds of finding affordable coverage for a Honda Pilot in Delaware depends on a complicated rating formula that uses factors such as if you are single or married, the size of your vehicle, and if your driving record is clean. Drivers in Delaware pay an average rate of $1,060 every 12 months to buy insurance for a Honda Pilot, but that cost is using rating data for a 50-year-old married male that purchased full comprehensive and collision coverage and $250 deductibles.

There is a really good chance that you aren’t exactly 50 years old or even a male, maybe you are single instead of married, or maybe your Pilot is old enough that it doesn’t require full coverage. What people think is a minor change in rating criteria can cause large differences in the cost of coverage for a Honda Pilot.

Not everyone needs the same coverages, so the best way to find cheap insurance prices for your Honda is to do the rate comparisons yourself.

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Your Honda’s trim level tends to impact the cost of coverage, so the price you will pay to insure a Pilot LX 2WD trim level will be $112 cheaper than the cost to insure the more expensive Pilot Touring 4WD trim level, as demonstrated by the prices below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in your specific Delaware location which can revise auto insurance rates substantially.

Deciding which company offers the cheapest car insurance rates for a Honda Pilot may require a little more effort in order to find coverage that fits your buget. Each auto insurance company has a unique formula for determining rates, so we need to take a look at the car insurance companies with the overall cheapest rates in Delaware.

It’s important to know that Delaware car insurance rates are impacted by many things which can substantially change the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being cheaper than others.

Best Insurance Companies for Your Pilot

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USAA has some of the lowest car insurance rates in Delaware at around $866 each year. Travelers, Nationwide, Atlantic States, and California Casualty would also be considered some of the most economical Delaware insurance companies.

As illustrated above, if you currently have a policy with Atlantic States and switched to Travelers, you could realize a yearly price reduction of roughly $237. Customers with California Casualty could save as much as $238 a year, and Titan insureds might lower prices by up to $250 a year.

Bear in mind that those rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a specific rating modification for a Honda Pilot. So the insurer that can offer you the lowest price may not even be in the company chart above. That is why you need to compare as many prices as possible using your own personal information and vehicle type.

Difference between liability only and full coverage rates

Finding the cheapest insurance for a Honda Pilot in Delaware is the goal of most people, and one great way to lower the cost of insurance is to not buy comprehensive and collision coverage. The information below visualizes the comparison of car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.

If we average the cost for all age groups, comp and collision coverage costs $2,600 per year more than buying just liability insurance. A very common question is if paying for full coverage is worth it. There is no set guideline to stop buying full coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

Impact of citations and accidents on Delaware insurance rates

The ideal way to score the cheapest insurance for a Honda Pilot in Delaware is to pay attention while driving and avoid traffic citations and accidents. The chart below highlights how traffic violations and at-fault claims can influence insurance prices for different age groups of insureds. The data is based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the previous chart, the average cost of a car insurance policy in Delaware per year with no accidents or violations is $2,170. Factor in two speeding tickets and the average cost jumps to $3,093, an increase of $923 each year. Next add two accidents along with the two speeding tickets and the annual cost of car insurance for a Honda Pilot increases to an average of $6,308. That’s an increase of $4,139, or $345 per month, just for not driving carefully!

Which major car insurance company is best?

When comparing rates for insurance for a Pilot, four of the larger companies to compare rates for are Geico, Progressive, State Farm, and Allstate. The following table points out ratings for price and service, as well as some optional coverages that are available for policyholders.