How Much is Cleveland Auto Insurance for a Honda Pilot?

Finding affordable insurance for a Honda Pilot in Ohio is pretty straightforward, but it hinges on a whole bunch of rating criteria such as driver age, your credit score, and any prior driving offenses you have. Drivers pay on average $925 each year to insure their Pilot, but that is based upon a 30-year-old single female driver with full physical damage coverage and $100 deductibles.

There is a good probability you’re not a 30-year-old female, possibly married instead of single, or maybe your Pilot doesn’t need full coverage. Every driver’s needs are different, and that is why the best way to find cheap insurance rates for your Honda is to compare as many rates as you can. Get your free quotes now and you will get price quotes from some of the best insurers around.

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Vehicle trim level tends to impact the yearly cost, so the cost to insure a Pilot LX 2WD trim level will be $106 lower than the price to insure the more costly Pilot Touring 4WD model, as shown in the table below.

Honda Pilot Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $216 $356 $306 $18 $92 $988 $82
Pilot EX 2WD $244 $356 $306 $18 $92 $1,016 $85
Pilot EX 4WD $244 $356 $306 $18 $92 $1,016 $85
Pilot EX-L 2WD $244 $434 $306 $18 $92 $1,094 $91
Pilot EX-L 4WD $244 $434 $306 $18 $92 $1,094 $91
Pilot Touring 2WD $244 $434 $306 $18 $92 $1,094 $91
Pilot Touring 4WD $244 $434 $306 $18 $92 $1,094 $91
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific Cleveland garaging location which can revise prices substantially.

Insuring your vehicle with the top insurance provider can be challenging considering how many companies are available to choose from in Ohio. The ranking information in the lists below can help you decide which car insurance providers to look at when trying find the best insurance for a Honda Pilot.

The ratings below include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus will not be included in the list. To get rate quotes from these companies and more, simply click here.

Top 10 Large Auto Insurance Companies Overall in Cleveland

  1. USAA
  2. 21st Century
  3. GEICO
  4. Nationwide
  5. AAA Insurance
  6. Liberty Mutual
  7. Safeco Insurance
  8. State Farm
  9. Travelers
  10. American Family

The illustration below shows how different deductible levels can change premium costs when searching for cheap insurance for a Honda Pilot. The rates are based on a single male driver, full coverage, and no other discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $232 a year by changing from a $100 deductible up to a $500 deductible, or save $350 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, can save $752 each year just by choosing higher deductibles.

If you do raise deductibles, it will be necessary to have additional funds squirreled away to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Does it make sense to buy full coverage?

Saving money when shopping for insurance is important to most people, and one great way to buy cheap insurance for a Honda Pilot is to buy only liability coverage. The chart below shows the comparison of insurance prices with full coverage compared to only the Ohio minimum liability coverage. Data assumes no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

If averaged for all ages, physical damage coverage on your policy costs $1,153 per year more than just insuring for liability. That brings up the question if physical damage coverage is worth the money. There is no exact formula of when to eliminate comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s settlement value is $8,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,500 after paying your policy deductible. If you are currently paying more than $750 a year for full coverage, then it’s probably a good time to buy liability coverage only.

Poor driving habits will raise your insurance rates

The easiest way to maintain the best insurance rates in Cleveland for a Pilot is to drive safe and avoid accidents and keep your driving record clean. The example below demonstrates how speeding tickets and fender-benders can influence yearly insurance costs for different age groups of insureds. The price estimates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.

In the previous chart, the average cost of auto insurance in Ohio per year with no accidents or violations is $1,045. Add in two speeding tickets and the average cost hikes up to $1,386, an increase of $341 each year. Then include two accidents along with the two speeding tickets and the yearly cost of insurance for a Honda Pilot increases to an average of $2,823. That’s an increase of $1,778, or $148 per month, just for not driving attentively!