Who Has Cheap Car Insurance Quotes for a Honda Pilot in Santa Ana?

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Finding affordable car insurance for a Honda Pilot is dependent upon a fairly complex equation with a lot of factors such as whether you are married, your credit score, and your motor vehicle report. California drivers pay around $1,457 annually for Pilot insurance, but that is a valuation based upon a 50-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

There's a high likelihood you aren't exactly 50 years old or even a female, possibly married instead of single, or maybe you just want liability only. The different assumptions illustrate why the only way to find cheap car insurance rates for your Honda is to do the rate comparisons yourself.

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Vehicle trim level tends to have a direct effect on the cost of insurance, so the cost to insure a Pilot LX 2WD model will be $162 lower than the insurance cost for the more costly Pilot Touring 4WD model, as shown in the prices below.

Honda Pilot Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $326 $554 $500 $30 $150 $1,560 $130
Pilot EX 2WD $370 $554 $500 $30 $150 $1,604 $134
Pilot EX 4WD $370 $554 $500 $30 $150 $1,604 $134
Pilot EX-L 2WD $370 $672 $500 $30 $150 $1,722 $144
Pilot EX-L 4WD $370 $672 $500 $30 $150 $1,722 $144
Pilot Touring 2WD $370 $672 $500 $30 $150 $1,722 $144
Pilot Touring 4WD $370 $672 $500 $30 $150 $1,722 $144
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can raise or lower price quotes greatly.

Deciding which company has the cheapest auto insurance rates for a Honda Pilot involves a little more effort in order to find a policy that fits your budget. Each auto insurance company has a unique formula to establish rates, so to begin we'll rank the auto insurance companies with the overall cheapest rates in California.

It's important to understand that Santa Ana auto insurance rates are impacted by many things that control the cost of having a policy. Improving your credit rating, moving to a different location, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper than others.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 Century National $1,178
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,325
7 Mercury $1,488
8 Grange $1,491
9 Progressive $1,542
10 Allstate $1,543
11 Allied $1,556
12 GEICO $1,575
13 MetLife $1,606
14 The Hartford $1,639
15 Esurance $1,688
16 State Farm $1,699
17 Unitrin $1,750
18 Travelers $1,842
19 Bristol West $1,849
20 Farmers $2,006
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Wawanesa has some of the lowest car insurance rates in Santa Ana at around $1,146 per year. USAA, Century National, CSAA, and Nationwide would also make the list of some of the most economical Santa Ana, CA auto insurance companies.

As shown in the table above, if you are a customer of Century National and switched to Wawanesa, you could earn a yearly price reduction of in the neighborhood of $32. Insureds with CSAA might save as much as $88 a year, and Nationwide customers might lower prices by $104 a year.

Understand that those policy prices are averaged for all drivers and vehicles and and are not calculated with a specific zip code for a Honda Pilot. So the auto insurance company that is best for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

Should you buy full coverage?

Reducing the cost of auto insurance should be important to most people, and one way to find cheaper insurance for a Honda Pilot is to only buy liability coverage. The illustration below compares auto insurance costs with full coverage compared to only the California minimum liability coverage. The rate quotes are based on no violations or claims, $1,000 deductibles, drivers are single, and no discounts are factored in.

Averaged for all age groups, full coverage costs an additional $2,222 per year more than insuring for liability only. Many drivers will wonder if you should buy full coverage. There is no exact rule of when to phase out full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

You may be paying too much for Pilot insurance

Santa Ana, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the policy price. Simply turning a year older, increasing liability limits, or having an at-fault accident can trigger changes in premium that can cause some rates to be much cheaper than others.

Not only may your risk profile change, but companies change premium rates at least once a year in order to protect their financial rating. Unexpectedly high claims can cause more expensive prices, while better underwriting can produce more affordable Pilot insurance rates.

For instance, the graph below shows a variety of companies that have the cheapest car insurance in Santa Ana, CA for a 45-year-old male driver with a clear driving record, no claims, and a good credit history. If we estimate rates based on his current situation, USAA might quote the most affordable car insurance rates in Santa Ana at $1,248 each year. This is $403 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the best Santa Ana, CA auto insurance companies.

Now we will give the driver from above some claims, a lower credit rating, and a blemish on his driving record. Due to the fact that every auto insurer has a unique formula to determine rates, comparing insurance quotes could now result in a slightly different list of companies as shown below.

Grange now has the cheapest price in Santa Ana with Progressive, Allstate, Mercury, and Allied completing the list. This illustrates why drivers need to spend some time comparing rates when trying to get affordable car insurance quotes for a Honda Pilot.

Insurance rates consist of many different factors and change frequently, so the lowest-price company the last time you shopped your coverage around may now be an over-priced policy.