Buying the cheapest coverage for a Honda Pilot in California depends on a lot of rating criteria such as how old the vehicle is, your address, and if you have a history of accidents. Drivers in California pay on average $1,664 a year to insure their Pilot, but that amount is an estimation based upon a 30-year-old single male driver with full physical damage coverage and $100 deductibles.
There’s a good chance you are not 30 and maybe not even a male, married instead of single, and maybe your Pilot just needs liability-only coverage. Just a slight change in rating criteria or coverage limits can result in a big discrepancy in how much coverage for a Honda Pilot costs.
Each driver’s needs are different, and that demonstrates why the best way to find cheap insurance rates for your Honda is to just take the time to compare rates yourself. Quotes are free and easy and you can get prices from top-rated companies that insure Honda vehicles in California.
Your vehicle’s trim level has an effect on the yearly cost, so the price you will be charged to insure a Pilot LX 2WD trim level will be $178 cheaper than the cost to insure the more well-appointed Pilot Touring 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$434||$564||$578||$34||$174||$1,784||$149|
|Pilot EX 2WD||$490||$564||$578||$34||$174||$1,840||$153|
|Pilot EX 4WD||$490||$564||$578||$34||$174||$1,840||$153|
|Pilot EX-L 2WD||$490||$686||$578||$34||$174||$1,962||$164|
|Pilot EX-L 4WD||$490||$686||$578||$34||$174||$1,962||$164|
|Pilot Touring 2WD||$490||$686||$578||$34||$174||$1,962||$164|
|Pilot Touring 4WD||$490||$686||$578||$34||$174||$1,962||$164|
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Information does not factor in vehicle garaging location which can change auto insurance rates considerably.
Choosing a high-quality insurance provider can be difficult considering how many different companies there are to choose from in Irvine. The rank data below may help you analyze which providers you want to consider when comparing rate quotes.
The ratings below include companies that insure vehicles nationwide, so companies that have a smaller presence are not taken into consideration for this list. If you wish to compare rates from these top insurers and more, just click here.
Top 10 Large Auto Insurance Providers Overall in Irvine
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
How violations and accidents impact rates
A great way to score the most affordable insurance rates for a Pilot is to be a careful driver and avoid accidents and traffic violations. The illustration below illustrates how speeding tickets and at-fault accidents impact premium costs for different age groups. The premium estimates are based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
In the prior example, the average cost of an auto insurance policy in Irvine per year with a clean driving record and no accidents is $2,222. Get two speeding tickets and the average cost jumps to $2,927, an increase of $706 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of insurance for a Honda Pilot increases to an average of $5,835. That’s an increase of $3,613, or $301 per month, just for not keeping your driving record clean!
How to get discounts on Irvine auto insurance rates
Insurance companies that sell policies for a Honda Pilot may also give you price discounts that can lower rates by 25% or more if you are eligible for them. A few of the larger companies and a summarized list of policyholder discounts can be read below.
- GEICO discounts include good student, air bags, defensive driver, five-year accident-free, driver training, and seat belt use.
- MetLife may have discounts that include defensive driver, claim-free, accident-free, good student, good driver, and multi-policy.
- Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, online signing, homeowner, and good student.
- Travelers offers discounts for multi-car, continuous insurance, driver training, IntelliDrive, and hybrid/electric vehicle.
- SAFECO offers premium reductions for bundle discounts, anti-lock brakes, multi-car, homeowner, and accident prevention training.
- AAA includes discounts for anti-theft, pay-in-full, good student, AAA membership discount, multi-policy, and multi-car.
The illustration below illustrates the difference between insurance rates with and without discounts being applied to the rates. The data assumes a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, multiple policy, multiple vehicle, claim-free, marriage, and passive restraint discounts applied. When discounts are applied, theaverage amount saved on insurance for a Honda Pilot is 28% or $735.
You are probably paying too much for Pilot insurance
Irvine, CA insurance rates are based on many factors that will increase or decrease the cost of your policy. Improving your credit score, buying another vehicle, or getting a DUI may cause policy rate changes that can cause some rates to be much cheaper than others.
Not only may things change on your end, but auto insurance companies file new California car insurance rates as often as every three months to help ensure profitability. Significantly higher claims may cause increased rates, while less frequent claims may result in cheaper Pilot insurance rates.
To illustrate this example, the chart below demonstrates which company has the cheapest car insurance in Irvine, CA for a 30-year-old male driver with a good driving record, no prior claims, and excellent credit. If we look at prices based on his personal profile, USAA might offer the cheapest car insurance rates in Irvine at $1,172 each year. This is $479 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the top five cheapest Irvine, CA auto insurance companies.
In this next rate comparison, we will give the driver from above an accident surcharge, a lower credit rating, and a blemish on his driving record. Due to the fact that each insurance company uses their own formula to set premium rates, getting updated rate quotes will most likely result in a substantially altered list of the cheapest Irvine car insurance companies as shown below.
Grange now has the lowest car insurance rate in Irvine with Progressive, Allstate, Mercury, and GEICO now being in the top five. This example proves why it is critical to perform an extensive rate comparison when trying to find the most affordable insurance rates for a Honda Pilot.
Car insurance prices can be determined by many factors and change dramatically, so the best company the last time you checked may now be quite expensive.
If you aren’t sure which coverage you need and prefer to get some help when trying to find the best insurance rates for a Honda Pilot, the agents shown below are a good start to help you make a decision which car insurance policy is best.
To locate an agency close to where you live, click the link after the list.
- SureCo Insurance Agency
201 Sandpointe Ave Suite 600 – Santa Ana, CA 92707 – (866) 845-9815
- Allstate Insurance: Jeff Adams
4860 Irvine Blvd Ste 206 – Irvine, CA 92620 – (714) 505-2457
- USG Insurance Services-California
100 Pacifica Suite 340 – Irvine, CA 92618 – (800) 886-3897
- Journey Insurance
9541 Irvine Center Dr – Irvine, CA 92618 – (888) 323-7480
How to find budget-friendly insurance for a Honda Pilot
Below you’ll find some of the recommended penny-pinching solutions that can help you get cheaper coverage.
- Higher credit scores may earn you cheaper rates
- Higher deductibles save money
- Save money by only buying liability coverage for older vehicles
- Avoid accidents and claims
- Save money by observing traffic laws and speed limits
- Buy safe vehicles
- Compare rate quotes frequently
That last tip is highly valuable, as we hit on in this article. Car insurance rates can change considerably in a year, so drivers shouldn’t be resistant to switch companies if a more affordable rate is found. Sticking with a specific company is fine, but it’s not a good idea if that faithfulness ends up costing you several hundred dollars every year. It only takes a couple minutes to shop around to find cheaper auto insurance for a Honda Pilot in Irvine.