Honda Pilot Cost to Own
By CarWhere Research · Updated
A 2026 Honda Pilot costs about $49,812 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $28,570 (53.4% of the median new price); fuel $14,832 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
5-year total
$49,812
depreciation + fuel + insurance
Depreciation
$28,570
53.4% of new price
Fuel
$14,832
$2,966/yr
Insurance
$6,410
national average
5-year cost-to-own breakdown
Assumptions: 5 years, 15,000 miles a year (75,000 total), bought new. Every line shows its formula and source.
| Line | 5 years | Per year | How it’s calculated | Source |
|---|---|---|---|---|
| Depreciation | $28,570 | $5,714 | $53,502 median new price (2026) × 53.4% below new for 5-year-old (2021) listings | CarWhere depreciation study |
| Fuel | $14,832 | $2,966 | 75,000 mi ÷ 21 MPG × $4.153/gal regular (median of 4 EPA versions) | EPA × EIA November 2, 2026 |
| Insurance | $6,410 | $1,282 | U.S. average expenditure per insured car (2023) × 5 years. Not specific to the Pilot. | NAIC, by state |
| Scheduled maintenance | See note | — | Honda Maintenance Program (1 year / 12,000 miles on 2026 models) is included; beyond its terms, the Honda schedule below applies. No manufacturer-published service prices. | Honda schedule |
| Registration and fees | Varies by state | — | State registration, title and taxes. | State title guides |
| Total | $49,812 | $9,962 | Depreciation + fuel + national-average insurance. Maintenance, repairs and fees not included. | |
Depreciation
New Pilots list for a median $53,502 (14,624 listings). In CarWhere’s used-market study, 2021 models (5 years old) list 53.4% below that, so a Pilot loses about $28,570 in its first five years.
| Model year | Age | Median listing | Below new | Listings |
|---|---|---|---|---|
| 2021 | 5 | $24,934 | 53.4% | 1,218 |
Fuel
The EPA rates the 2026 Pilot at 21 MPG combined; 20–22 MPG across 4 EPA-listed versions. At $4.153/gal regular (EIA, week of November 2, 2026), 75,000 miles cost about $14,832, or $2,966 a year.
EPA versions included: Pilot AWD, Pilot AWD Touring/Elite/Black, Pilot AWD TrailSport, Pilot FWD.
Insurance
Insurance varies by driver, location and coverage. Across all insured cars, U.S. drivers spent an average of $1,282 a year in 2023 (NAIC); see car insurance cost by state for your state’s average.
Is the Pilot expensive to maintain?
Honda's published oil-change interval: set by the Maintenance Minder (oil-life monitor); no fixed mileage. Honda Maintenance Program: 1 year / 12,000 miles on 2026 models. For the Pilot: rear differential severe/towing: 7,500 miles, then every 15,000. We list the schedule rather than a dollar figure because Honda doesn't publish service prices.
For repair patterns owners report, see Pilot known issues.
Honda Maintenance Program
Term: 1 year / 12,000 miles on 2026 models (named in Honda's 2026 spec sheets; Honda Service Pass at its 2023 launch: first 2 years or 24,000 miles)
Covers: Service Pass covers select factory-scheduled maintenance as shown by the Maintenance Minder (oil and filter changes, tire rotation, multi-point inspection) at participating Honda dealers. It transfers to later owners while active and is valid in the U.S. only. The 2026 spec sheets name the program but don't describe what it covers.
Source: 2026 Honda Civic Sedan Specifications & Features (Honda newsroom)
Oil changes
Normal: Set by the Maintenance Minder (oil-life monitor); no fixed mileage. Change the oil at least every 12 months even if no Minder message appears.
Severe or special conditions: No fixed severe-service oil interval; the Maintenance Minder adjusts to driving conditions.
Code A = oil change; code B = oil and filter plus inspections. 'Maintenance Due Soon' shows at 15% oil life.
Source: 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
| Interval | Items | Source |
|---|---|---|
| Maintenance Minder code A |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Maintenance Minder code B |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 1 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 2 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 3 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 4 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 5 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 6 (AWD) |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 7 / every 3 years |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Tune-up (2026 spec sheets) |
| 2026 Honda Civic Sedan Specifications & Features (Honda newsroom) |
Pilot-specific notes
- V6 timing belt: replace and inspect water pump under sub-item 4 (every 60,000 miles in extreme heat or cold or when towing)
- Sub-item 3 also covers transfer fluid
- Rear differential severe/towing: 7,500 miles, then every 15,000
More Pilot research
Frequently asked questions
How much does it cost to own a Honda Pilot?
A 2026 Honda Pilot costs about $49,812 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $28,570 (53.4% of the median new price); fuel $14,832 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
Is the Pilot expensive to maintain?
Honda's published oil-change interval: set by the Maintenance Minder (oil-life monitor); no fixed mileage. Honda Maintenance Program: 1 year / 12,000 miles on 2026 models. For the Pilot: rear differential severe/towing: 7,500 miles, then every 15,000. We list the schedule rather than a dollar figure because Honda doesn't publish service prices.
Is the Pilot expensive to insure?
Insurance varies by driver, location and coverage, and CarWhere doesn't publish model-specific premiums. Across all insured cars, U.S. drivers spent an average of $1,282 a year (NAIC, 2023), or $6,410 over 5 years; our state-by-state study shows the average where you live.
How much does a Pilot depreciate in 5 years?
In CarWhere's used-market study, 5-year-old Pilots (model year 2021) list for 53.4% below the median new price of $53,502, about $28,570 of lost value.
How much does a Pilot cost to fuel per year?
About $2,966 a year at 15,000 miles, based on the EPA rating of 21 MPG combined; 20–22 MPG across 4 EPA-listed versions and $4.153/gal regular (EIA, week of November 2, 2026).
Sources and method
Formula: 5-year total = depreciation (median new price × % below new at age 5) + fuel (75,000 mi ÷ EPA combined MPG × EIA national price, or kWh/100 mi × EIA residential rate for EVs) + insurance (NAIC national average expenditure × 5). Lines without a citable source are left blank.
- CarWhere car depreciation by model study — CarWhere Research (data as of 2026-10-25)
- Fuel economy data (vehicles.csv) — U.S. EPA / DOE, fueleconomy.gov
- Weekly U.S. retail gasoline and diesel prices — U.S. Energy Information Administration (week of November 2, 2026)
- Auto Insurance Database Report (average expenditure) — NAIC, via CarWhere state study (2023 data)
- 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) — Honda (opened 2026-11-06)
- 2025 Honda Accord Sedan Maintenance Minder (gas) — Honda (opened 2026-11-06)
- 2025 Honda Accord Hybrid Maintenance Minder — Honda (opened 2026-11-06)
- 2025 Honda Civic Sedan Maintenance Minder System — Honda (opened 2026-11-06)
- 2025 Honda Pilot Maintenance Minder System — Honda (opened 2026-11-06)
- 2025 Honda Odyssey Maintenance Minder System — Honda (opened 2026-11-06)
- 2026 Honda Civic Sedan Specifications & Features (Honda newsroom) — Honda (opened 2026-11-06)
- 2026 Honda Odyssey Specifications & Features (Honda newsroom) — Honda (opened 2026-11-06)
- New Honda Service Pass Delivers Two Years of Select Maintenance for 2023 Honda Models (Honda newsroom) — Honda (opened 2026-11-06)