Who Has the Cheapest Car Insurance Rates for a Honda Pilot in Long Beach?

Buying cheaper insurance for a Honda Pilot in California hinges on a fairly complex equation with a lot of factors such as annual vehicle mileage, if you have prior claims, and the level of deductible you choose. Drivers in California will pay on average $1,532 per year to insure their Pilot, but that cost is calculated using a 30-year-old single male driver with full coverage and $250 deductibles.

There’s a high likelihood you may not be 30 years old (or even male), you might be married instead of single, and you may just want the cheapest liability coverage you can find. Have just a small change in policy rating criteria or coverages can make a large difference in how much insurance for a Honda Pilot costs.

Different coverage needs are the reason why the best way to find the cheapest insurance price for your Honda is to just compare rates yourself. It only takes a few minutes and you can get prices from some of the best insurers that insure vehicles in California.

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The trim level of your Honda will most likely have an effect on the cost of coverage, so the price to insure a Pilot LX 2WD will be $154 cheaper than the insurance cost for the higher-end Pilot Touring 4WD model, as shown in the chart below.

Honda Pilot Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $390 $472 $578 $34 $174 $1,648 $137
Pilot EX 2WD $440 $472 $578 $34 $174 $1,698 $142
Pilot EX 4WD $440 $472 $578 $34 $174 $1,698 $142
Pilot EX-L 2WD $440 $576 $578 $34 $174 $1,802 $150
Pilot EX-L 4WD $440 $576 $578 $34 $174 $1,802 $150
Pilot Touring 2WD $440 $576 $578 $34 $174 $1,802 $150
Pilot Touring 4WD $440 $576 $578 $34 $174 $1,802 $150
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in zip code location which can alter auto insurance rates substantially.

Picking the highest-rated auto insurance company is difficult considering how many companies are available to choose from in Long Beach. The ranking information listed below can help you analyze which auto insurers to look at when comparing rate quotes.

The rankings below are only comprised of the largest companies in the United States, so companies with more of a regional focus are not taken into consideration for these rankings. To check prices from these top insurers and more, click this link.

Top 10 Large Car Insurance Companies in Long Beach Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Large Car Insurance Companies Overall in Long Beach

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Impact of careless driving on auto insurance rates

The recommended way to find the best auto insurance rates for a Pilot is to be a good driver and avoid accidents and violations. The chart below shows how traffic citations and accidents can affect auto insurance costs for different categories of driver ages. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $1,889. Add in two speeding tickets and the average cost jumps to $2,596, an increase of $707 each year. Now include one accident along with the two speeding tickets and the annual cost of auto insurance for a Honda Pilot increases to an average of $3,307. That’s an increase of $1,419, or $118 per month, just for not driving attentively!

Here’s why you should shop around

California auto insurance rates are calculated based on many things that can increase the price you have to pay for coverage. Turning one year older, buying a home instead of renting, or getting a ticket for running a stop sign can trigger rate changes resulting in some rates now being more affordable than competitors. Also, insurers modify pricing every year or even multiple times each year in order to offset underwriting gains or losses. An extended period of higher than normal claims can result in rate hikes, while profitable underwriting may produce lower-priced Pilot insurance rates.

For instance, the chart below shows the companies that have the cheapest car insurance in Long Beach, CA for a 35-year-old female driver with a clear driving record, no claims, and excellent credit. If we look at prices based on her current risk profile, USAA offers the most affordable car insurance rates in Long Beach at $1,390 each year. This is $261 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the best Long Beach, CA auto insurance companies.

Now we will give the driver from above an accident surcharge, a lower credit rating, and a few traffic violations. Because every insurance company has a proprietary formula to set policy rates, comparing insurance quotes may now present a new list of the cheapest companies as shown below.

Grange now has the cheapest price in Long Beach with GEICO, Progressive, Allstate, and Mercury also having competitive pricing. This example proves why consumers need to take the time to perform an extensive rate comparison when trying to find the lowest car insurance rates for a Honda Pilot. Insurance prices are determined by many different factors and can change without notice, so the most economical option the last time you shopped around may now be priced much higher than other options.

The agents below can most likely help you determine which auto insurance policy would work best for you, since some drivers wish to have some advice when shopping around for cheaper insurance for a Honda Pilot. It can be hard to find the cheapest rates, and getting professional guidance from a licensed agent can add satisfaction knowing your policy gives you sufficient coverage at claim time.

To find an auto insurance agency close to you, click the button at the bottom or click here to get price quotes now.

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