---
title: "2020 Honda Pilot Insurance Cost in Texas 78701"
description: "Find 2020 Honda Pilot insurance costs in Texas 78701: $1,800-$2,500/year full coverage. Cheapest rates from American Family at $1,379. Compare quotes, tips to save 25% with Sidekick data. Updated 2026."
canonical: "https://sidekick.vin/answers/how-much-does-insurance-cost-for-a-honda-pilot-in-texas"
type: "qa"
vertical: "insurance"
lastModified: "2026-03-26T18:49:39.081Z"
keywords: ["2020 Honda Pilot insurance Texas", "Honda Pilot car insurance 78701", "cheap Honda Pilot insurance Austin", "full coverage Honda Pilot Texas cost", "Honda Pilot insurance quotes TX"]
---
# How much does insurance cost for a Honda Pilot in Texas?

> **Quick Answer:** A 2020 Honda Pilot in Texas ZIP 78701 costs $1,800 to $2,500 per year for full coverage. American Family offers the lowest at $1,379 annually. Rates rise in urban Austin due to traffic and theft risks. Shop quotes to save up to 40%.

**Category:** insurance
**Question Type:** cost

**Related Questions:**
- What's the insurance cost for a 2020 Honda Pilot in Austin TX?
- Average car insurance rates for Honda Pilot in 78701?
- Honda Pilot insurance quotes Texas 78701
- How much to insure a 2020 Honda Pilot in Texas?
- Cost of full coverage on Honda Pilot in Austin

---
# 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
1. Compare quotes from at least three insurers. Use tools like Sidekick to match your 78701 details.
2. Pick higher deductibles if you have savings. Drops premiums 15-30%.
3. Bundle with home insurance. Saves 10-20% on average.
4. Ask for discounts: good driver, multi-car, or low mileage.
5. 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.