What Car Insurance is Cheapest for a Honda Pilot in Greensboro?

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Honda Pilot insurance cost
Honda Pilot insurance cost image courtesy of QuoteInspector.com

Finding cheap auto insurance for a Honda Pilot is pretty simple, but it depends on a lot of rating criteria such as annual miles driven, whether or not you have prior claims, and citations on your driving record. Drivers in North Carolina pay around $1,015 annually for Pilot insurance, but that amount is an estimation calculated using a 30-year-old single female driver with full coverage and $100 deductibles.

But there is a good chance that you are not 30 and maybe not even a female, married instead of single, and maybe you want different deductibles. Having even a minor difference in policy rating criteria or coverages can result in a big discrepancy in how much insurance for a Honda Pilot costs.

Not everyone needs the same coverages, so the best method for finding cheap insurance rates for your Honda is to do a thorough rate comparison. Quotes are free and easy and you will receive rate quotes from top-rated companies that offer coverage in North Carolina.

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Your Honda's trim level will have an impact the annual cost of coverage, so the price you pay to insure a Pilot LX 2WD model will cost $114 less than the insurance cost for the more well-appointed Pilot Touring 4WD model, as shown in the prices below.

Honda Pilot Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $238 $392 $336 $20 $100 $1,086 $91
Pilot EX 2WD $268 $392 $336 $20 $100 $1,116 $93
Pilot EX 4WD $268 $392 $336 $20 $100 $1,116 $93
Pilot EX-L 2WD $268 $476 $336 $20 $100 $1,200 $100
Pilot EX-L 4WD $268 $476 $336 $20 $100 $1,200 $100
Pilot Touring 2WD $268 $476 $336 $20 $100 $1,200 $100
Pilot Touring 4WD $268 $476 $336 $20 $100 $1,200 $100
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in garaging location in Greensboro which can affect premiums noticeably.

Insuring your vehicle with a high-quality car insurance provider can be difficult considering how many choices there are in Greensboro. The ranking data below can help you pick which car insurance providers you want to consider shopping your coverage with. These ratings are only comprised of companies with a nationwide focus, so companies without a large exposure are not factored into these rankings.

Best 15 Insurance Companies for a Honda Pilot in North Carolina
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

Comparison of full coverage and liability-only policies

Saving money on insurance is probably important to most vehicle owners, and one of the fastest ways to find cheap insurance for a Honda Pilot is to only buy liability coverage. The chart below illustrates the comparison of insurance prices with full coverage compared to only the North Carolina minimum liability coverage. The rate quotes are based on no claims or violations, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Averaged for all ages 20 through 70, full coverage costs an additional $1,262 per year over and above liability coverage. That touches on the question if physical damage coverage is worth the money. There is no written rule for excluding physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let's say your vehicle's book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying the physical damage deductible. If you are paying in excess of $200 annually for physical damage coverage, then it might be time to consider dropping full coverage.

Why you are probably overpaying for Pilot insurance

Greensboro insurance rates are determined by lots of factors that can increase the policy price. Simply getting older, buying another vehicle, or getting a speeding ticket may generate price changes that can now make some companies more affordable than before.

In addition to those changes, car insurance companies file new rates every year to ensure their profitability. Significantly higher claims may cause higher priced premiums, while lower claim expenses may cause lower-priced Pilot insurance rates.

To illustrate this example, the chart below analyzes the cheapest car insurance in Greensboro, NC for a 40-year-old female driver with a good driving record, no prior claims, and a high credit rating. If we compare prices based on her current risk profile, Utica National quotes the lowest car insurance rates in Greensboro at $735 per year. This is $137 less than the average premium paid by North Carolina drivers of $872. Progressive, GEICO, Liberty Mutual, and NC Farm Bureau are also on the list of the cheapest Greensboro, NC auto insurance companies.

Let's now give the driver in the first chart a claim surcharge, less-than-perfect credit, and a traffic citation. Since each company uses their own method to set premium rates, comparing insurance quotes could now result in a slightly different list of the cheapest car insurance companies in Greensboro as shown below.

Penn National now has the lowest price on auto insurance in Greensboro, NC with State Farm, Auto-Owners, Allied, and Progressive also having competitive pricing. This illustrates why Greensboro drivers need to compare many different companies to find the most economical auto insurance quotes for a Honda Pilot.

Prices can be altered by many different factors and change frequently, so the best company six months ago may now be quite expensive.