Cheapest Insurance Quotes for a Honda Pilot in Oregon

Cheapest Insurance Quotes for a Honda Pilot in Oregon

Your ability to find cheap insurance for a Honda Pilot in Oregon is contingent on a complex formula that factors things such as if you are a renter or homeowner, whether or not you are currently insured, and any prior driving citations you have received. Drivers in Oregon will pay on average $1,050 a year to insure a Honda Pilot, but that figure is rating a 30-year-old married male driver that wants comprehensive and collision coverage and $100 policy deductibles.

It’s more than likely you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe you’ve had an at-fault accident or two. Everyone has different rating factors, so the best way to quote affordable rates for your Honda is to make a habit of regularly comparing rates from other companies.

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The trim level of your Honda will most likely have an effect on the yearly cost, so the price to insure a Pilot LX 2WD model will be $124 cheaper than the price to insure the more costly Pilot Touring 4WD model, as shown by the rates below.

Honda Pilot Insurance Rates in Oregon
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $274 $408 $320 $18 $96 $1,116 $93
Pilot EX 2WD $310 $408 $320 $18 $96 $1,152 $96
Pilot EX 4WD $310 $408 $320 $18 $96 $1,152 $96
Pilot EX-L 2WD $310 $496 $320 $18 $96 $1,240 $103
Pilot EX-L 4WD $310 $496 $320 $18 $96 $1,240 $103
Pilot Touring 2WD $310 $496 $320 $18 $96 $1,240 $103
Pilot Touring 4WD $310 $496 $320 $18 $96 $1,240 $103
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in your specific Oregon location which can alter price quotes considerably.

Locating low-cost auto insurance is not most people’s favorite thing to do, and deciding which companies quote the best auto insurance rates for a Honda Pilot requires more quotes for comparison.

Each auto insurance company uses different criteria to determine premium rates, so first let’s look at the rankings for the overall cheapest auto insurance companies in Oregon. It’s important that you understand Oregon auto insurance rates are influenced by many factors that control the policy premium. This price variation is why consumers need to take the time to compare lots of rates to get the cheapest insurance rates for a Honda Pilot. Insurance prices are impacted by many things and change dramatically, so the most affordable company the last time you checked may now be an over-priced policy.

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Rankings for the cheapest Oregon auto insurance companies
Rank Company Cost Per Year
1 Grange $715
2 Oregon Mutual $844
3 Country $856
4 Travelers $924
5 USAA $941
6 State Farm $1,040
7 Amica $1,125
8 Allied $1,167
9 GEICO $1,179
10 Mutual Enumclaw $1,212
11 California Casualty $1,230
12 Progressive $1,235
13 MetLife $1,288
14 21st Century $1,364
15 American Family $1,416
16 Encompass $1,622
17 Allstate $1,705
18 Farmers $1,954
19 Safeco $2,172
20 Liberty Mutual $2,533
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Grange may have some of the best car insurance rates in Oregon at around $715 each year. Oregon Mutual, Country, Travelers, and USAA also are some of the cheaper Oregon auto insurance companies.

As the rates illustrate above, if you have coverage with Country and switched to Grange, you could earn an annual savings of roughly $141. Drivers with Travelers might save as much as $209 a year, and USAA policyholders might cut rates by $226 a year.

It’s important to note that these rates are averaged across all drivers and vehicles in Oregon and do not take into consideration a specific rating modification for a Honda Pilot. So the insurer that fits your situation best may not even be shown in the company chart above. That is why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Impact of citations and accidents on Oregon insurance rates

In a perfect world, the best way to enjoy the cheapest insurance for a Honda Pilot in Oregon is to be a good driver and have a clean driving record. The diagram below shows how speeding tickets and accidents can raise premium costs for each age group. The price estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

In the chart above, the average cost of a car insurance policy in Oregon per year with a clean driving record and no accidents is $1,598. Receive two speeding tickets and the average cost swells to $2,130, an increase of $533 each year. Then add two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Honda Pilot jumps again to an average of $4,264. That’s an increase of $2,666, or $222 per month, just for not driving safely!

Discounts on the cheapest insurance for a Honda Pilot in Oregon

Auto insurance for a Pilot in OregonInsurance providers that offer coverage for a Honda Pilot may also offer discounts that can reduce rates by as much as 30% if you can meet the requirements. A list of companies and the discounts they provide can be found below.

Auto Insurance Discounts Available by Company
Discount Allstate Geico Progressive State Farm Liberty Mutual
Multi-policy Yes Yes Yes Yes Yes
Multiple vehicles No Yes Yes Yes Yes
Theft prevention Yes Yes Yes Yes Yes
Safe vehicle Yes Yes No Yes Yes
Passive restraint Yes Yes No Yes Yes
New vehicle Yes No No Yes No
Eco vehicle Yes No No No Yes
Accident-free Yes Yes Yes Yes No
Defensive driving course Yes Yes Yes Yes No
Active duty military No Yes Yes Yes No
Occupational No Yes No No Yes
Paid in full Yes Yes Yes No Yes
Paperless billing Yes Yes Yes No Yes
Loyalty No No Yes Yes No
Smart student Yes Yes Yes Yes Yes
Distant student Yes No Yes Yes Yes
Own home No No Yes No No
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The information below shows the difference between insurance costs with and without discounts applied to the premium. The information is based on a male driver, a clean driving record, no claims, Oregon state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, multiple policy, vehicle safety, multiple vehicle, claim-free, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for a Honda Pilot is 14% or $222.

Is State Farm, Geico, Allstate, or Progressive cheaper?

If you are looking for the best car insurance, the first places to look would be State Farm, Geico, Allstate, and Progressive. When combined, they make up over 48% of the entire U.S. market share. The data below compares and contrasts some of the different features shoppers can find with each company.

Top Auto Insurance Company Ratings
State Farm Geico Allstate Progressive
Claims Handling 2nd 3rd 1st 4th
Policy Discounts 3rd 2nd 1st 4th
Overall Price 2nd 1st 4th 3rd
Client Satisfaction 4th 1st 2nd 3rd
Customers who recommend 88% 87% 86% 88%
Usage-based insurance Yes No Yes Yes
New car replacement insurance No No Yes No
Emergency roadside assistance Yes Yes Yes Yes
Uber and Lyft insurance Yes Yes Yes Yes
Mechnical breakdown No Yes No Yes
Accident forgiveness No Yes Yes Yes
Types of agents used Can only buy from State Farm agents Online or through a Geico agent Only buy from Allstate agents Online or from independent agents
Number of agents 18,000+ 150+ 11,000+ 30,000+
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