Buying affordable auto insurance for a Honda Pilot in Georgia can be pretty simple, but it hinges on many rating criteria such as how far you commute, whether you are claim-free, and driving violations and tickets. Drivers in Georgia pay on average $1,237 annually to insure their Pilot, but that price is an estimate based upon a 40-year-old married male driver with full physical damage coverage and $100 deductibles.
The problem with using this number is the good chance you're not a 40-year-old male, possibly single instead of married, or maybe you're a renter instead of a homeowner. Just a slight change in the rating criteria used to formulate rates can result in a massive change in how much insurance for a Honda Pilot costs.
Everone's needs are different, and this illustrates why the only real way to find the cheapest coverage for your Honda is to do the rate comparisons yourself. Rate quotes are easy and you will get price quotes from some of the best insurers that sell coverage in Georgia.
The trim level of your vehicle will influence price, so the rate you pay to insure a Pilot LX 2WD trim level will be $140 less expensive the cost to insure the higher-end Pilot Touring 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$308||$462||$406||$24||$122||$1,322||$110|
|Pilot EX 2WD||$348||$462||$406||$24||$122||$1,362||$114|
|Pilot EX 4WD||$348||$462||$406||$24||$122||$1,362||$114|
|Pilot EX-L 2WD||$348||$562||$406||$24||$122||$1,462||$122|
|Pilot EX-L 4WD||$348||$562||$406||$24||$122||$1,462||$122|
|Pilot Touring 2WD||$348||$562||$406||$24||$122||$1,462||$122|
|Pilot Touring 4WD||$348||$562||$406||$24||$122||$1,462||$122|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in Georgia location which can raise or lower coverage rates substantially.
Georgia insurance companies ranked
Insuring your vehicle with the top auto insurance provider can be rather challenging considering how many companies are available to choose from in Georgia. The company information in the lists below may help you pick which car insurance companies you want to consider when comparing rates. The rankings below include companies with a national presence, so companies with more of a regional focus will not be included in this list.
Top 10 Large Auto Insurance Companies in Georgia Ranked by A.M. Best Rating
- Travelers - A++
- USAA - A++
- GEICO - A++
- State Farm - A++
- Titan Insurance - A+
- Esurance - A+
- Progressive - A+
- The Hartford - A+
- Allstate - A+
- Nationwide - A+
Top 10 Large Auto Insurance Companies in Georgia Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Mercury Insurance - 89%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
Top Companies for Honda Pilot Insurance in Georgia
Get discount Georgia car insurance rates
Auto insurance companies that offer cheap quotes for a Honda Pilot may provide policy discounts that could potentially reduce rates by 40% or more if you are eligible for them. A list of insurance companies and a partial list of their discounts can be read below.
- GEICO offers discounts including membership and employees, air bags, federal employee, anti-theft, defensive driver, good student, and driver training.
- Travelers includes discounts for continuous insurance, new car, student away at school, good student, multi-car, and IntelliDrive.
- Nationwide has savings for anti-theft, business or organization, multi-policy, Farm Bureau membership, family plan, accident-free, and defensive driving.
- Farmers Insurance policyholders can earn discounts including business and professional, distant student, switch companies, early shopping, multi-car, homeowner, and pay in full.
- Esurance discounts include emergency road assistance, renters, Switch & Save, good student, and safety device.
- State Farm may offer discounts for driver's education, defensive driving training, good driver, accident-free, student away at school, anti-theft, and multiple policy.
- Progressive has discounts for good student, online signing, multi-policy, continuous coverage, and online quote discount.
- Mercury Insurance offers premium reductions for multi-car, location of vehicle, annual mileage, anti-theft, type of vehicle, accident-free, and low natural disaster claims.
The diagram below shows the comparison of insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, a clean driving record, no at-fault accidents, Georgia state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, anti-theft, multiple policy, safe-driver, marriage, and claim-free discounts applied. When taking advantage of discounts, theamount saved on insurance for a Honda Pilot is 28% or $631.
Full coverage versus liability-only
Paying a lower price for insurance should be important to most drivers, and an easy way to lower the cost of insurance for a Honda Pilot in Georgia is to only buy liability coverage. The diagram below visualizes the comparison of car insurance rates with full physical damage coverage and with liability coverage only. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.
If the expense is averaged for all age categories, physical damage insurance costs an additional $1,874 per year more than just buying liability only. That proposes the question when is it a good idea to stop buying full coverage. There is no clear-cut formula that works best for making the decision to drop full coverage, but there is a general convention. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not remove full coverage.
Your cheap Pilot insurance may actually be overpriced
Georgia insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Simply having another birthday, getting married, or getting a reckless driving citation can trigger changes in premium that can make some companies much cheaper than others.
And not only may your rating factors change, but insurance companies change rates every year or even multiple times each year in order to be able to pay unexpected claims. Heavy losses may result in additional premium costs, while a better claims history may cause cheaper Pilot insurance rates.
The graph below compares the cheapest car insurance in Georgia for a 30-year-old male driver with no prior accidents, a clean driving record, and good financial standing. Based on his current risk factors, Auto-Owners might offer the cheapest car insurance rates in Georgia at $855 annually. This is $674 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are the remaining cheapest Georgia auto insurance companies.
The next chart shows rates after we give the driver from the above example a couple of claims, a lower credit score, and a few blemishes on his driving record. Because every insurance company uses their own calculation to determining premium rates, comparing insurance quotes may now show a different set of affordable companies as shown below.
The Hartford now has the cheapest rate in Georgia with Georgia Farm Bureau, USAA, State Farm, and Country completing the list. This demonstrates why it is critical to compare lots of rates to get the most economical auto insurance rates for a Honda Pilot. Car insurance prices can be altered by many risk factors and can increase or decrease at any time, so the cheapest company two years ago may now be one of the higher cost companies.
How to find low-cost insurance for a Honda Pilot in Georgia
It's not impossible to find cheaper rates, and here are many thrifty ideas that can help you quote lower-cost coverage.
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Prevent price hikes by avoiding at-fault accidents
- Raise your deductibles
- Drive a car with a high safety rating
- Good credit can mean cheaper rates
- Compare prices frequently to find the best deal
The last item on the list is remarkably critical, as was affirmed in this write-up. Car insurance rates adjust frequently, so don't be tentative to change to a new company if a better rate can be found.
Staying with the same company for years is fine, but it isn't a good idea if that devotion results in you overpaying hundreds every year. In just a couple of minutes you could shop around and find cheaper insurance for a Honda Pilot.