Best Cheap Insurance for a Honda Pilot in Louisiana

Best Cheap Insurance for a Honda Pilot in Louisiana

Finding the cheapest auto insurance for a Honda Pilot in Louisiana is contingent on factors such as how old the Pilot is, the likelihood of vehicle theft, and if you have tickets or violations. Louisiana drivers pay an average rate of $1,130 annually to insure a Pilot, but that cost is an estimate using a 50-year-old single male who needs full coverage including both comprehensive and collision and $1,000 policy deductibles.

But there is a high likelihood that you are not 50 and possibly not even male, married instead of single, or maybe you had a chargeable driving offense. Having different needs demonstrates why the most reliable way to find cheap insurance prices for your Honda is to take your time and compare rates from as many companies as possible. Rate quotes are easy and you will receive prices from top-rated companies that insure vehicles in Louisiana.

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Your Honda’s trim level will likely have an effect on the coverage cost, so the price you pay to insure a Pilot LX 2WD will be $96 cheaper than the price to insure the more well-appointed Pilot Touring 4WD trim level, as demonstrated by the prices below.

Honda Pilot Insurance Rates in Louisiana
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $190 $322 $524 $32 $158 $1,226 $102
Pilot EX 2WD $216 $322 $524 $32 $158 $1,252 $104
Pilot EX 4WD $216 $322 $524 $32 $158 $1,252 $104
Pilot EX-L 2WD $216 $392 $524 $32 $158 $1,322 $110
Pilot EX-L 4WD $216 $392 $524 $32 $158 $1,322 $110
Pilot Touring 2WD $216 $392 $524 $32 $158 $1,322 $110
Pilot Touring 4WD $216 $392 $524 $32 $158 $1,322 $110
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific location information which can increase or decrease auto insurance rates noticeably.

Determining which company offers the cheapest car insurance rates for a Honda Pilot will require a little more sweat in order to find the lowest price. Every insurance company uses their own calculation to set their prices, so let’s rank the car insurance companies that tend to have lower prices in Louisiana.

It’s important that readers know that Louisiana car insurance rates are influenced by many factors which can substantially change your annual premium. Simply having a birthday, buying higher coverage limits, or getting a couple of tickets may generate price changes that can cause some rates to be cheaper than before.

Cheapest Insurance Rates for Your Pilot

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Rankings for the cheapest Louisiana auto insurance companies
Rank Company Cost Per Year
1 USAA $1,594
2 MetLife $1,836
3 Progressive $1,946
4 GEICO $1,965
5 Safeway $2,132
6 Southern Farm Bureau $2,181
7 California Casualty $2,269
8 State Farm $2,455
9 Safe Auto $2,575
10 Allstate $2,975
11 Encompass $3,138
12 Liberty Mutual $3,756
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USAA may offer some of the best car insurance rates in Louisiana at around $1,594 a year. MetLife, Progressive, GEICO, and Safeway also are some of the lowest-priced Louisiana car insurance companies.

As shown in the rates above, if you are currently insured with Progressive and switched to USAA, you may see savings of roughly $352. Insureds with GEICO may save as much as $371 a year, and Safeway customers might cut rates by $538 a year.

If you want to see how much you could save, click here to get quotes or quote prices from the following companies.

Be aware that those policy rates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a specific rate value for a Honda Pilot. So the company that can offer you the best price may not even be included in the list of companies above. That’s why you need to get quotes using your own personal information and vehicle type.

Discounts on the best cheap insurance for a Honda Pilot in Louisiana

Discounts on car insurance for a Honda PilotAuto insurance companies that offer quotes for a Honda Pilot may additionally offer price discounts that could potentially reduce rates by 40% or more if you meet specific eligibility requirements. A few of the larger companies and their offered discounts include:

  • GEICO offers premium reductions for federal employee, daytime running lights, air bags, membership and employees, and anti-lock brakes.
  • Travelers has discounts for hybrid/electric vehicle, IntelliDrive, multi-car, good student, early quote, multi-policy, and new car.
  • Farm Bureau policyholders can earn discounts including renewal discount, safe driver, multi-vehicle, multi-policy, 55 and retired, youthful driver, and driver training.
  • Liberty Mutual may have discounts that include newly married, new graduate, safety features, new move discount, and hybrid vehicle.
  • American Family has savings for TimeAway discount, air bags, good student, defensive driver, accident-free, and bundled insurance.
  • Progressive offers discounts including good student, multi-vehicle, homeowner, online signing, multi-policy, online quote discount, and continuous coverage.

The diagram below visualizes the comparison of insurance costs with and without discounts applied. The price estimates are based on a female driver, no violations or accidents, Louisiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, defensive driving course, safe-driver, claim-free, homeowner, and passive restraint discounts applied. When these discounts are applied, the the average yearly reduction on car insurance for a Honda Pilot is 28% or $695.

How to find the best cheap insurance for a Honda Pilot in Louisiana

Below you’ll find some of the recommended thrifty suggestions that can help Louisiana drivers quote low-cost auto insurance.

  • Higher credit ratings may save you money
  • Bundle home or renters insurance to earn a discount on car insurance
  • Increase deductibles to save money
  • Having too many claims will increase rates substantially
  • Full coverage may not be needed on older vehicles
  • Vehicles with good safety ratings are usually cheaper to insure
  • Shop around for cheaper rates regularly

The last suggestion is very valuable, as was emphasized in this article. Rates in Louisiana can be modified anytime, so don’t be unwilling to buy a different policy if you find a cheaper price. Having a favorite company is great, but it’s not a good idea if that devotedness results in you overpaying a considerable chunk of change every month. In just a couple of minutes you could compare prices to find cheaper car insurance for a Honda Pilot.