Cheap Insurance for a Honda Pilot in Alabama

Cheap Insurance for a Honda Pilot in Alabama

Our content editors always give us grief that when writing about auto insurance, the words “cheap” or “affordable” really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Honda Pilot is pretty hard to find. Don’t let that spoil your day, because we will show you how you can quote and buy auto insurance that you can afford.

Your ability to find affordable car insurance for a Honda Pilot in Alabama hinges on a complex rating formula that takes into consideration things like the safety rating for your Pilot, whether or not you have filed claims in the past, and any prior driving citations you have received. Drivers pay an average rate of $950 each year to buy insurance for a Honda Pilot, but that is an estimation that uses a 50-year-old married female that wants full comprehensive and collision coverage and $100 policy deductibles.

But there is a high probability that you’re not a 50-year-old female, you might be single instead of married, and there is a good chance that there are other drivers on your policy. Just a minor change in policy rating variables can lead to a big change in the cost of insurance for a Honda Pilot.

Auto insurance prices are based on the driver profile the most reliable way to find cheap insurance prices for your Honda is to quote often and with as many companies as possible.

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Your Honda’s trim level has an effect on the coverage cost, so the price you will be charged to insure a Pilot LX 2WD will be $106 cheaper than the price to insure the more well-appointed Pilot Touring 4WD model, as shown by the rates below.

Honda Pilot Insurance Rates in Alabama
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $224 $358 $318 $18 $94 $1,012 $84
Pilot EX 2WD $252 $358 $318 $18 $94 $1,040 $87
Pilot EX 4WD $252 $358 $318 $18 $94 $1,040 $87
Pilot EX-L 2WD $252 $436 $318 $18 $94 $1,118 $93
Pilot EX-L 4WD $252 $436 $318 $18 $94 $1,118 $93
Pilot Touring 2WD $252 $436 $318 $18 $94 $1,118 $93
Pilot Touring 4WD $252 $436 $318 $18 $94 $1,118 $93
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can revise coverage prices noticeably.

Finding dependable, low-cost car insurance is not most people’s favorite thing to do, and finding out which company quotes the cheapest auto insurance rates for a Honda Pilot will require even more diligence. Every car insurance company uses a slightly different approach to determine rates, so first we will examine the most affordable auto insurance companies in Alabama.

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Rankings for the cheapest car insurance companies in Alabama
Rank Company Cost Per Year
1 Travelers $815
2 Cincinnati Insurance $836
3 USAA $895
4 GEICO $1,061
5 Auto-Owners $1,182
6 Country $1,207
7 Safeway $1,218
8 Progressive $1,274
9 MetLife $1,381
10 State Auto $1,386
11 California Casualty $1,511
12 State Farm $1,563
13 Nationwide $1,610
14 ALFA $1,726
15 Farmers $1,855
16 Allstate $1,873
17 Safeco $2,580
18 Liberty Mutual $2,637
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Travelers may offer some of the most affordable car insurance rates in Alabama at around $815 each year. Cincinnati Insurance, USAA, GEICO, and Auto-Owners also are some of the best Alabama insurance companies.

In the rate table above, if you currently have coverage with GEICO and switched to Cincinnati Insurance, you could earn a yearly savings of approxmiately $225. Drivers with Auto-Owners may save as much as $346 a year, and Country customers might realize rate reductions of up to $371 a year.

Bear in mind that those premium estimates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific rate value for a Honda Pilot. So the auto insurance company that can offer you the best rate may not even be shown in the company chart above. That point stresses why you need to get rate quotes from many companies using your own personal information and vehicle type.

How to get discounts on Alabama insurance

Discounts on auto insurance for a Honda PilotInsurance companies that offer cheap insurance for a Honda Pilot in Alabama may additionally offer rate discounts that could potentially reduce rates by as much as 35% if you meet specific criteria. Companies and the discounts they provide are included below.

Auto Insurance Discounts Available
Discount Geico Allstate Progressive State Farm Nationwide Farmers
Multiple policies Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes No No
Passive restraint Yes Yes No Yes Yes Yes
Daytime running lights Yes No No Yes No Yes
Newer vehicle No Yes No Yes Yes Yes
Accident-free Yes Yes Yes Yes Yes Yes
Defensive driving course Yes Yes Yes Yes Yes Yes
Low miles No Yes Yes Yes Yes No
Active duty military Yes No Yes Yes No Yes
Occupational Yes No No No Yes Yes
Paid in full Yes Yes Yes No Yes Yes
Auto-pay Yes Yes Yes No Yes Yes
Customer loyalty No No Yes Yes Yes Yes
Early signing No Yes No No Yes Yes
Good grades Yes Yes Yes Yes Yes Yes
Student at college No Yes Yes Yes Yes Yes
Own home No No Yes No No Yes
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The example below illustrates the comparison of premium costs with and without discounts applied to the rates. The rates are based on a female driver, no violations or accidents, Alabama state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, anti-theft, marriage, multiple policy, defensive driving course, and passive restraint discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for a Honda Pilot is % or $.

The diagram below demonstrates how choosing different deductibles can affect insurance premiums when researching cheap insurance for a Honda Pilot. The data is based on a single female driver, full coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could lower rates by $290 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $442 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices $724 every year by choosing larger deductibles on their policy.

If you do raise deductibles, it will be required to have spare funds to allow you to cover the extra out-of-pocket expense associated with higher deductibles.

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

If you’re looking for the cheapest insurance for a Pilot in Alabama, the most popular companies are Geico, Allstate, Progressive, and State Farm. Combined they insure nearly half of all car insurance policies written. The next table breaks down some of the ratings and options shoppers can find with each company.

Top U.S. Car Insurance Company Ratings
Geico Allstate Progressive State Farm
Discounts Available 2nd 1st 4th 3rd
Claims Rank 3rd 1st 4th 2nd
Customer Satisfaction 1st 2nd 3rd 4th
Price Rank 1st 4th 3rd 2nd
A.M. Best rating A++ A+ A+ A++
Accident forgiveness coverage Yes Yes Yes No
Emergency roadside service Yes Yes Yes Yes
Mechanical breakdown insurance Yes No Yes No
Rate for vehicle usage No Yes Yes Yes
New car replacement coverage No Yes No No
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Types of agents used Both online and from Geico agents Can only buy from Allstate agents Online or from independent agents Only from State Farm agents
Number of agents 150+ 11,000+ 30,000+ 18,000+
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