Best Cheap Insurance Quotes for a Honda Pilot in Missouri

Best Cheap Insurance Quotes for a Honda Pilot in Missouri

When writing about shopping for car insurance, the word affordable should not be used anywhere in the article. Forgive the oxymoron, but cheap auto insurance for a Honda Pilot may be a thing of the past. Don’t get your dauber down, because we are going to show you how you can find car insurance that fits into your budget.

Whether or not you can find the best cheap auto insurance for a Honda Pilot in Missouri depends upon a whole bunch of rating criteria like if you own the home you live in, your claims history, and any driving offenses on your record. Missouri drivers on average will pay $850 annually to insure a Pilot, but that figure is an estimate using rate data for a 40-year-old married female driver that includes full physical damage coverage and $100 policy deductibles.

But there is a good chance that you are not 40 years old and maybe not even female, single instead of married, or maybe your Pilot doesn’t need comprehensive and collision coverage. Making even small differences in input factors can lead to a significant difference in the policy rate.

Every driver has different characteristics, so your best shot at finding cheap insurance prices for your Honda is to make a habit of comparing prices at least once a year.

Cheapest Honda Pilot Insurance Rates

The specific trim level impacts the cost of insurance, so the price you pay to insure a Pilot LX 2WD will cost $96 less than the price to insure the fancier Pilot Touring 4WD version, as shown in the table below.

Honda Pilot Insurance Rates in Missouri
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $198 $334 $280 $16 $84 $912 $76
Pilot EX 2WD $222 $334 $280 $16 $84 $936 $78
Pilot EX 4WD $222 $334 $280 $16 $84 $936 $78
Pilot EX-L 2WD $222 $406 $280 $16 $84 $1,008 $84
Pilot EX-L 4WD $222 $406 $280 $16 $84 $1,008 $84
Pilot Touring 2WD $222 $406 $280 $16 $84 $1,008 $84
Pilot Touring 4WD $222 $406 $280 $16 $84 $1,008 $84
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in Missouri location which can decrease or increase auto insurance rates substantially.

Picking the right auto insurance company is difficult considering how many different companies insure vehicles in Missouri. The company rank data listed below could help you pick which providers to look at comparing prices from. These rankings are only comprised of the companies with a significant amount of written premium nationwide, so smaller companies are not included in the list.

Top 10 Major Auto Insurers Overall in Missouri

  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

Top Companies for Honda Pilot Insurance in Missouri

Impact of speeding/accidents on insurance rates

One of the best ways to obtain good insurance rates in Missouri for a Pilot is to be a cautious driver and avoid accidents and traffic citations. The diagram below illustrates how violations and at-fault accidents impact annual premium costs for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

In the prior example, the average cost of auto insurance in Missouri per year with a clean driving record and no accidents is $1,296. Factor in one speeding ticket and the average cost rises to $1,490, an increase of $194 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of insurance for a Honda Pilot goes up to an average of $3,198. That’s an increase of $1,902, or $159 per month, just for not driving responsibly!

Which car insurance company is best?

When comparing rates for car insurance, four companies to consider are Progressive, Geico, State Farm, and Allstate. Combined they have 48.5% of the entire U.S. auto insurance market. The next table points out some of the different features that policyholders can buy.

Comparison of Progressive, Geico, State Farm, and Allstate
Progressive Geico State Farm Allstate
Claims Rank 4th 3rd 2nd 1st
Discounts Offered 4th 2nd 3rd 1st
Price Rank 3rd 1st 2nd 4th
Customer Satisfaction 3rd 1st 4th 2nd
Amount of market share 8.8% 11.4% 18.3% 10%
Recommend by customers 88% 87% 88% 86%
Coverage for ridesharing Yes Yes Yes Yes
Roadside service Yes Yes Yes Yes
Usage-based rating Yes No Yes Yes
New car replacement insurance No No No Yes
Accident forgiveness coverage Yes Yes No Yes
Breakdown insurance Yes Yes No No
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Who has the cheapest Honda Pilot insurance quotes?

You have many ways to find cheap insurance in Missouri, but the most prevalent ways are from an independent agent, an exclusive insurance agent such as Auto-Owners or State Farm, or buying direct from a company like Geico or Progressive. They all have the same end result, but insurance shoppers should know the differences in how they work.

Independent agents have contracts with many companies and can get policy pricing from every one. These types of agents are not employed by one specific company and can give you a larger rate selection, which may give you the best chance of finding a lower price. If a cheaper price is found, they simply move the coverage in-house which requires no work on your part.

Exclusive agencies are limited to a single insurance company, two of the more popular are an Auto-Owners or Allstate agent. Exclusive agencies are unable to quote prices from more than just one company, so it’s a take it or leave it situation.

The third way to buy insurance is direct which means you bypass an exlusive or independent agent and instead buy direct online or over the phone from a company like Progressive or Geico. This insurance option is good for consumers who have fewer assets and have an above average understanding of what coverages, limits, and deductibles they need.

Which way is best for finding the best cheap insurance for a Honda Pilot in Missouri? It would be premature to say buying from a direct car insurance company yields the cheapest rates because there is no agent involved, but unfortunately, it’s not that cut and dried. It could also be said an independent agent guarantees the lowest rates since there are more companies to choose from, but that assumption is also not accurate. And often times, exclusive agencies have really good rates that cannot be beaten by either independent or direct companies.

Because of the variability of insurance rates, really the only way to ensure you are not overpaying is to compare lots of quotes. Industry experts recommend getting price quotes from independent, exclusive, and direct in order to be able to find the lowest price. For a list of companies offering online discounts, click here to view.

Tips to find budget-friendly car insurance for a Honda Pilot

The list below details some of the better thrifty ideas that can help Missouri drivers quote low-cost auto insurance.

  • Claim-free policyholders usually earn a discount
  • Increase your deductibles
  • Maintain a safe distance and avoid accidents
  • Drop full coverage on older vehicles
  • Avoid getting tickets or violations
  • Compare rates often to find the best deal

That last tip is remarkably necessary, as we discussed in this article. Auto insurance prices fluctuate considerably, so you should be ready to buy from a new company if you find a cheaper price. Sticking with a specific company is fine, but it’s not a good idea if that devotedness results in you overpaying a lot of money every month. If you have a few minutes, now is a great time to compare prices and find cheaper car insurance for a Honda Pilot.