How Much Does Insurance Cost for a Honda Pilot in Tennessee?

Our editors have a joke that when writing about car insurance, the word “cheap” should not appear anywhere in the article. Be that as it may, cheap car insurance for a Honda Pilot is not always easy to find. Don’t let that bother you, though, because we are going to show you how you can get auto insurance that is cheaper than your current rate.

The chances of buying cheaper auto insurance for a Honda Pilot in Tennessee relies on many rating criteria like whether or not you own a home, if you have ever had a gap in coverage, and your policy deductibles. Tennessee drivers pay approximately $790 every 12 months to insure a Honda Pilot, but that price is a valuation based upon a 30-year-old single male driver that included both comprehensive and collision coverage and $1,000 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you are not 30 years old and maybe not even male, possibly married instead of single, or maybe you prefer higher deductibles. Every insurance policy is unique to the driver, so the best method for finding affordable rates for your Honda is to get into the habit of comparing rates once a year.

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The trim level of your Pilot has an effect on the insurance rate, so the rate you will pay to insure a Pilot LX 2WD trim level will be $62 less expensive the cost to insure the higher-end Pilot Touring 4WD trim level, as shown in the prices below.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in specific location information which can lower or raise prices substantially.

Figuring out which company offers the cheapest insurance rates for a Honda Pilot requires more work in order to find coverage that fits your buget. Each insurer has their own unique process for setting prices, so let’s look at the rankings for the insurance companies that tend to be cheaper in Tennessee.

It’s important to know that Tennessee insurance rates are calculated based on many things that may substantially change the price you pay. Simply improving your credit, buying a different home, or having a fender bender can trigger price changes resulting in some rates now being cheaper than competitors.

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Utica National may have some of the best car insurance rates in Tennessee at around $767 per year. Auto-Owners, Cincinnati Insurance, USAA, and Penn National also rank well as some of the lowest-priced Tennessee insurance companies.

As the example above demonstrates, if you are currently insured with Auto-Owners and switched to Utica National, you might realize an annual premium reduction of around $85. Tennessee drivers with Cincinnati Insurance might save as much as $91 a year, and USAA customers might reduce rates by $152 a year.

To find cheap insurance for a Honda Pilot in Tennessee, click here to get quotes or visit several of the following companies.

Remember that these prices are averaged for all insureds and vehicles and are not factoring in a specific rate value for a Honda Pilot. So the company that fits you best may not even be shown in the list of companies above. That affirms the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Driving violations and accidents

The best way to enjoy cheap insurance for a Honda Pilot in Tennessee is to be a safe driver and not have accidents or get tickets. The chart below illustrates how speeding tickets and at-fault accidents can influence car insurance costs for different age categories. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of an auto insurance policy in Tennessee per year with a clean driving record and no accidents is $1,466. Get written up for two speeding tickets and the average cost rises to $2,020, an increase of $553 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for a Honda Pilot increases to an average of $2,556. That’s an increase of $1,090, or $91 per month, just for not keeping your driving record clean!

The chart below shows how choosing a deductible can increase or decrease yearly insurance costs when quoting cheap insurance for a Honda Pilot. The premium estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

A 30-year-old driver could pocket $332 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $500 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could shave as much as $960 or more by selecting a higher deductible.

When raising deductibles, it is important to have plenty of money set aside to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Progressive, Allstate, Geico, or State Farm: Who is cheapest?

When shopping around for insurance for a Pilot in Tennessee, four of the best places to start are Progressive, Allstate, Geico, and State Farm. The following table points out pricing and service ratings, as well as optional policy coverages that may be available in Tennessee.