Estimates, not quotes

Tesla Model Y vs Honda Pilot Insurance Cost

The Honda Pilot is cheaper to insure by about $345 a year for full coverage by our estimate ($1,505 vs. $1,160), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageTesla Model YHonda PilotDifference
State minimum$530$455+$75
Standard (100/300/100)$770$660+$110
Full coverage$1,505$1,160+$345

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Model Y minus Pilot.

Why one costs more to insure

FactorTesla Model YHonda Pilot
SegmentMidsize SUVMidsize SUV
PowertrainsElectricGasoline
HLDI collision (100 = avg)11866
HLDI comprehensive7780
HLDI property damage liability8257
HLDI bodily injury liability8367
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)108

Collision losses are the biggest swing factor: the Tesla Model Y has 52 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Model Y vs Pilot insurance by state

StateModel YPilotDifference
Alabama$1,325$1,010+$315
Alaska$1,335$1,010+$325
Arizona$1,560$1,220+$340
Arkansas$1,345$1,030+$315
California$1,520$1,120+$400
Colorado$1,675$1,340+$335
Connecticut$1,590$1,225+$365
Delaware$1,645$1,295+$350
District of Columbia$1,920$1,455+$465
Florida$2,085$1,660+$425
Georgia$1,830$1,435+$395
Hawaii$1,065$790+$275
Idaho$1,025$790+$235
Illinois$1,315$1,005+$310
Indiana$1,075$825+$250
Iowa$1,020$805+$215
Kansas$1,195$945+$250
Kentucky$1,255$980+$275
Louisiana$2,060$1,610+$450
Maine$970$740+$230
Maryland$1,685$1,300+$385
Massachusetts$1,495$1,135+$360
Michigan$1,655$1,260+$395
Minnesota$1,245$980+$265
Mississippi$1,435$1,120+$315
Missouri$1,355$1,065+$290
Montana$1,190$945+$245
Nebraska$1,200$945+$255
Nevada$1,690$1,325+$365
New Hampshire$1,090$820+$270
New Jersey$1,790$1,390+$400
New Mexico$1,350$1,045+$305
New York$1,990$1,555+$435
North Carolina$1,150$865+$285
North Dakota$970$755+$215
Ohio$1,085$830+$255
Oklahoma$1,355$1,055+$300
Oregon$1,330$1,040+$290
Pennsylvania$1,330$1,015+$315
Rhode Island$1,810$1,395+$415
South Carolina$1,570$1,245+$325
South Dakota$1,135$920+$215
Tennessee$1,265$965+$300
Texas$1,775$1,385+$390
Utah$1,350$1,050+$300
Vermont$1,005$755+$250
Virginia$1,295$1,000+$295
Washington$1,300$1,010+$290
West Virginia$1,260$980+$280
Wisconsin$1,025$800+$225
Wyoming$1,165$935+$230

By driver profile (full coverage)

DriverModel YPilot
Teen driver (18, own policy)$4,135$3,195
Young adult (22)$2,405$1,860
Adult in their 30s$1,505$1,160
Adult in their 50s$1,385$1,070
Senior (72)$1,685$1,300
30s, one at-fault accident$2,180$1,685
30s, DUI on record$2,780$2,150

More comparisons

Frequently asked questions

Is the Tesla Model Y or the Honda Pilot cheaper to insure?

By our estimate the Honda Pilot is cheaper, by about $345 a year for full coverage ($1,505 vs. $1,160) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Model Y and Honda Pilot?

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 66 and comprehensive indices of 77 vs. 80 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page