How much does insurance cost for a Honda Pilot in Texas?
A 2020 Honda Pilot in Texas ZIP 78701 costs $1,800 to $2,500 per year for full coverage. American Family quotes the lowest rate at $1,379 annually. Progressive follows at $1,446. These numbers come from 2026 data on good drivers with clean records. Urban areas like Austin (78701) push costs higher by 15-25% due to dense traffic and theft rates.
Here's what you need to know:
- Full coverage averages $2,308 yearly in Texas for Honda Pilots, per CarEdge analysis of 40-year-old drivers (Source: CarEdge Insurance Study, 2026).
- Minimum liability runs $98 monthly or $1,176 yearly (Source: Insurify, 2026 data, N=15,000 quotes).
- Texas ranks high for SUV insurance because of weather risks and highways.
"Honda Pilot owners in Texas save $500 to $1,000 yearly by comparing three quotes," says the Sidekick Research Team, based on analysis of 1,200 verified policies.
Cheapest Rates for 2020 Honda Pilot (National Averages, Adjust +20% for 78701)
| Company | Annual Full Coverage |
|---|---|
| American Family | $1,379 |
| Progressive | $1,446 |
| USAA | $1,554 |
| State Farm | $1,638 |
| GEICO | $1,751 |
(Source: The Zebra Rate Comparison, 2026).
Factors That Change Your 2020 Honda Pilot Rate in Texas
Texas drivers pay more for Pilots because:
- Location: 78701 sees 20% higher premiums from congestion and claims.
- Vehicle: Pilots cost 10% less than luxury SUVs but more than sedans due to size.
- Driver Profile: Clean record saves $600 yearly. Accidents add $1,000.
- Coverage Type: Full coverage (collision + comprehensive) doubles minimum liability.
According to the Insurance Information Institute's 2025 Texas report, urban ZIPs like 78701 average $2,400 for midsize SUVs (Source: III State Report, 2025).
Steps to Get the Best Rate
- Compare quotes from at least three insurers. Use tools like Sidekick to match your 78701 details.
- Pick higher deductibles if you have savings. Drops premiums 15-30%.
- Bundle with home insurance. Saves 10-20% on average.
- Ask for discounts: good driver, multi-car, or low mileage.
- Check credits: Good credit lowers rates by $400 yearly in Texas.
Sidekick pulls real-time quotes for your 2020 Honda Pilot. Enter your ZIP to see personalized costs from top carriers. Owners save 25% on average.
Fresh data as of March 2026 shows Texas Pilot rates up 8% from last year due to claims. Act now to lock in lower rates before renewals.