How Much Does Insurance Cost for a Honda Pilot in Utah?

How Much Does Insurance Cost for a Honda Pilot in Utah?

The odds of finding the best cheap insurance for a Honda Pilot in Utah depends upon a complex rating formula that takes into consideration things such as whether you are a homeower, your credit status, and your motor vehicle report. Drivers in Utah will pay around $620 each year to buy insurance for a Honda Pilot, but that rate is an approximation based on rates for a 30-year-old married male driver who requires comprehensive and collision coverage and $1,000 policy deductibles.

Odds are that you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you had a chargeable driving offense. What people think is a minor change in policy rating factors can make a big difference in the price of coverage.

Auto insurance is not “one size fits all”, so the most reliable method for finding cheap insurance rates for your Honda is to compare as many rates as possible.

View Honda Pilot Insurance Rates

The trim level of your vehicle will influence the yearly cost, so the cost to insure a Pilot LX 2WD will be $56 less than the price to insure the more well-appointed Pilot Touring 4WD model, as shown in the prices below.

Honda Pilot Insurance Rates in Utah
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $128 $180 $268 $16 $80 $672 $56
Pilot EX 2WD $144 $180 $268 $16 $80 $688 $57
Pilot EX 4WD $144 $180 $268 $16 $80 $688 $57
Pilot EX-L 2WD $144 $220 $268 $16 $80 $728 $61
Pilot EX-L 4WD $144 $220 $268 $16 $80 $728 $61
Pilot Touring 2WD $144 $220 $268 $16 $80 $728 $61
Pilot Touring 4WD $144 $220 $268 $16 $80 $728 $61
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in the specific area where the vehicle is garaged which can modify price quotes greatly.

Utah car insurance companies

Choosing a high-quality company can be rather challenging considering how many choices there are in Utah. The ranking data shown below may help you pick which coverage providers to look at comparing prices from. The rankings below include large insurance companies, so companies that may only write in Utah will not be included in this list.

Utah Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Insure.com Best Car Insurance Companies

The diagram below demonstrates how deductible levels can influence insurance costs when researching cheap insurance for a Honda Pilot. The data is based on a married male driver, comp and collision included, and no discounts are applied to the premium.

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As shown above, a 40-year-old driver could lower rates by $196 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $298 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could lower their rates as much as $644 or more just by choosing higher deductibles.

If you do raise deductibles, it is important to have plenty of money set aside to offset the extra out-of-pocket expense, which deters some people from using high deductibles.

Best rates: Allstate, Progressive, Geico, or State Farm

If you’re looking for the best insurance for a Pilot in Utah, four companies to take a look at are Allstate, Progressive, Geico, and State Farm. The next table shows ratings for price and service, as well as some optional coverages that may be available in Utah.

Top Auto Insurance Company Ratings
Allstate Progressive Geico State Farm
Discounts Available 1st 4th 2nd 3rd
Price Overall 4th 3rd 1st 2nd
Claims Handling 1st 4th 3rd 2nd
Customer Satisfaction 2nd 3rd 1st 4th
U.S. market share 10% 8.8% 11.4% 18.3%
Customer recommendation 86% 88% 87% 88%
A.M. Best financial rating A+ A+ A++ A++
Standard & Poor’s financial rating AA- AA AA+ AA
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Mechnical breakdown No Yes Yes No
New car replacement insurance Yes No No No
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness Yes Yes Yes No
Usage-based rating Yes Yes No Yes
Insurance Agents Can only buy from Allstate agents Buy online or from an independent agent Can buy online or use a Geico agent State Farm-only agents
Number of agents 11,000+ 30,000+ 150+ 18,000+
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