Secured with SHA-256 EncryptionBest Auto Insurance for Pilots and Navigators in 2025 (Your Guide to the Top 10 Companies)
Nationwide, AAA, and Travelers have the best car insurance for pilots and navigators. Rates with Travelers start at $58 per month, making it a good choice for flexible coverage. Nationwide can help you save money with discounts, while AAA is great for its membership benefits.
3,019 reviewsCompany Facts
Full Coverage for pilots and navigators
A.M. Best Rating
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3,019 reviews
2,934 reviewsCompany Facts
Full Coverage for pilots and navigators
A.M. Best Rating
Complaint Level
2,934 reviews
1,731 reviewsCompany Facts
Full Coverage for pilots and navigators
A.M. Best Rating
Complaint Level
1,731 reviewsNationwide, AAA and Travelers offer the best auto insurance for pilots and navigators, with rates starting at $58 per month from Travelers.
Nationwide provides comprehensive auto insurance coverage options and exclusive discounts. AAA delivers reliable service at budget-friendly rates, and Travelers offers complete protection tailored for the aviation community.
Our Top 10 Company Picks: Best Auto Insurance for Pilots and Navigators
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | A+ | Strong Discounts | Nationwide |
 | #2 | 15% | A | Membership Benefits | AAA |
 | #3 | 13% | A++ | Flexible Coverage | Travelers |
 | #4 | 30% | A+ | Loyalty Rewards | Amica |
 | #5 | 25% | A+ | Accident Forgiveness | Erie |
 | #6 | 5% | A+ | Loyalty Program | The Hartford |
 | #7 | 25% | A++ | Affordable Rates | Geico |
 | #8 | 25% | A | Flexible Options | Liberty Mutual |
 | #9 | 25% | A+ | Teen-Driver Perks | Allstate |
 | #10 | 10% | A+ | Usage-Based Savings | Progressive |
These companies provide excellent service and competitive pricing to meet the different needs of pilots and navigators.
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If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.
- Get the best auto insurance for pilots and navigators at $58 per month
- Nationwide stands out for competitive rates and comprehensive protection
- AAA and Travelers provide reliable options with specialized aviation benefits
#1 – Nationwide: Top Pick Overall
Pros
- Top Pick for Pilots and Navigators: Nationwide stands out as the best overall option, with minimum coverage starting at just $60 per month.
- Customizable Plans: Pilots and navigators can adjust coverage to fit their specific needs. Learn more in our Nationwide Auto Insurance Review.
- Vanishing Deductible: Safe driving can lower your deductible over time, offering extra savings for pilots and navigators.
Cons
- Limited Discounts: Nationwide has fewer discount options available for pilots and navigators compared to other insurers.
- Higher Full-Coverage Rates: Full coverage premiums might feel a bit expensive for pilots and navigators.
#2 – AAA: Best for Membership Benefits
Pros
- Affordable Insurance: Pilots and navigators can get minimum coverage at just $65 per month.
- Roadside Assistance: Your AAA membership entitles you to help extra whenever you need it, wherever you are.
- Discounts: Save more with AAA’s discounts for safe driving, loyalty, and bundling policies, offering extra savings.
Cons
- Membership Required: You need an AAA membership for pilot and navigator insurance. To learn more, check out our AAA Auto Insurance Review.
- Can Be Expensive: AAA’s basic coverage starts at $65 a month, which might be more expensive than other options for pilots and navigators.
#3 – Travelers: Best for Flexible Coverage
Pros
- Customizable Coverage: Travelers give pilots and navigators options to create policies that fit their needs, starting at $58 monthly.
- Mileage Discounts: If you don’t drive often, you can save on premiums, which is ideal for pilots and navigators who fly a lot.
- Easy Claims: Their claims process is quick and simple, making it a great choice for busy pilots and navigators. Get more details in our Travelers Auto Insurance Review.
Cons
- High Mileage Costs: Drivers who put in a lot of miles might not get as much discount for pilots and navigators.
- Basic Online Tools: Their app and website are not as advanced as those of other companies for pilots and navigators.
#4– Amica: Best for Loyalty Rewards
Pros
- Loyalty Benefits: Amica takes care of customers who stick with them, which makes it a good option for pilots and navigators. Minimum coverage rates start at $62/month.
- Dividends Option: Some plans allow you to keep part of your premium, which adds extra value for pilots and navigators.
- Top Customer Service: Amica is known for great support, making it a good pick for pilots and navigators who like personal attention.
Cons
- Higher Base Rates: Minimum coverage costs $62 a month, which isn’t the cheapest option for pilots and navigators. The Amica Auto Insurance Review discusses rates in more detail.
- Fewer Discounts: Amica does not have as many discounts as other companies, so pilots and navigators might end up paying more.
#5 – Erie: Best for Accident Forgiveness
Pros
- Affordable Rates: Erie offers one of the lowest rates for pilots and navigators, with minimum coverage starting at $55 monthly.
- Accident Forgiveness: Your first accident won’t increase your rates, which can be advantageous for pilots and navigators.
- Stable Rates: Erie keeps premiums steady year after year for pilots and navigators. This Erie Auto Insurance Review has all you need to know.
Cons
- Limited Availability: Erie isn’t available in all states, which might be a dealbreaker for some pilots and navigators.
- Basic Online Features: The website and app are not as easy to use or high-tech as some other options for pilots and navigators.
#6 – The Hartford: Best for Loyalty Program
Pros
- Loyalty Perks: Pilots and navigators can get special perks through Hartford’s loyalty program.
- AARP Member Benefits: AARP members can take advantage of special options that offer great value, especially for pilots and navigators.
- Strong Claims Support: AARP is known for dealing with claims fast and treating people fairly.
Cons
- Membership Limit: Some perks are for AARP members, so non-member pilots and navigators might miss out.
- Higher Premiums: Minimum coverage for pilots and navigators starts at $63 per month, which is slightly above average.
Read more: The Hartford Company Auto Insurance Review
#7 – Geico: Best for Affordable Rates
Pros
- Low Monthly Rates: Geico offers the lowest rates for pilots and navigators, starting at $50 per month for minimum coverage.
- Easy Online Tools: Managing your policy is simple with Geico’s app and website for pilots and navigators. Get more answers in our Geico Auto Insurance Review.
- Many Discounts: Geico offers discounts for safe driving, multi-policy, and more, helping pilots and navigators save even more.
Cons
- Limited Customization: Geico’s policy options may not meet all specific needs of pilots and navigators.
- Basic Roadside Help: Geico’s plan isn’t as good as what some other companies offer for pilots and navigators.
#8 – Liberty Mutual: Best for Flexible Options
Pros
- Wide Range: Liberty Mutual provides flexible policies for pilots and navigators, with minimum coverage starting at $70/month.
- Quick Repairs: According to our Liberty Mutual Auto Insurance Review, the company has a strong repair network that ensures fast service for pilots and navigators.
- Accident Forgiveness: Liberty Mutual prevents rate hikes after a pilot’s or navigator’s first accident.
Cons
- Higher Rates: At $70 per month for minimum coverage, Liberty Mutual is one of the more expensive options for pilots and navigators.
- Fewer Discounts: The discount options for pilots and navigators aren’t as varied as those of other insurers.
#9 – Allstate: Best for Teen-Driver Perks
Pros
- Great for Families: Allstate provides helpful perks for families with young drivers, starting at $68 per month.
- Accident Forgiveness: According to our Allstate Auto Insurance Review, first accidents won’t raise your rates, making it a great option for pilots and navigators.
- Safe Driving Bonus: Pilots and navigators who value safety and savings can get rewarded for driving safely.
Cons
- Higher Premiums: Allstate’s minimum coverage starts at $68 per month, which is higher than the average for pilots and navigators.
- Complex Discounts: Some discounts need extra effort to qualify, which might be tough for pilots and navigators.
#10 – Progressive: Best for Usage-Based Savings
Pros
- Pay-Per-Drive Savings: Progressive’s Snapshot program gives pilots and navigators lower rates, starting at $57/month, for driving less.
- Custom Coverage: You can easily adjust your policy to meet the specific needs of pilots and navigators.
- Easy-to-Use Tools: The app and website make it simple for pilots and navigators to manage and track their policies easily.
Cons
- Snapshot Requirements: Pilots and navigators must join the Snapshot program for the best discounts, though it may not work for everyone.
- Higher Full Coverage Rates: Full coverage could be pricier than competitors. Visit Progressive Auto Insurance Review for more info.
How Pilots and Navigators Get the Best Auto Insurance Rates
Pilots and navigators can often score the best auto insurance rates by showing they’ve got a clean driving record and some special skills. A good driving history and their experience in the field help them stand out to insurance companies. This often means they can get better coverage at a more affordable price that fits their needs.
Pilots and Navigators Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $150 |
| $68 | $155 |
| $62 | $145 |
| $55 | $130 |
| $50 | $125 |
| $70 | $160 |
| $60 | $140 |
| $57 | $132 |
| $63 | $148 |
| $58 | $135 |
Even though some insurers might offer cheap auto insurance, it’s important to look at the full picture. Don’t just focus on the price—make sure the policy gives you the protection you really need. For pilots and navigators, it’s especially important to check that the coverage matches their specific situation.
Pilots and navigators should choose auto insurance that provides tailored coverage, including occupational discounts, multi-policy savings, and protections for frequent travel, varying schedules, and extended vehicle storage.
Jeffrey Manola Licensed Insurance Agent
Since pilots and navigators face challenges like unpredictable schedules and lots of travel, finding an insurance company that understands their lifestyle is key. They need a policy that truly fits their needs and offers the right kind of protection.
The Cost of Pilot Auto Insurance
The best auto insurance rates for pilots and navigators reflect the unique risks associated with their profession. Pilots and navigators can expect slightly higher rates due to increased travel and risk exposure.
Despite slightly higher rates, pilots can find the best coverage that meets their needs. If you own an older car or one that’s not leased, lowering your coverage can help lower your monthly or yearly payments. This gives you more control over finding the right balance between coverage and cost.
When you bundle, you don’t have to pick #NFLDraft pic.twitter.com/LL0aBcY0Dm
— GEICO (@GEICO) April 27, 2023
Ultimately, the best auto insurance for pilots is all about finding coverage that fits their personal needs while making sure they’re well-protected. By looking at different options, pilots can find the insurance that’s both right for them and easy on their budget.
Discounts on Auto Insurance for Pilots and Navigators
Pilots and navigators can often find the best car insurance rates by using special discounts. These discounts are made for people with unique jobs and lifestyles, helping them get affordable coverage.
While not all insurance companies offer the same discounts, researching can help you find the best deals to lower your car insurance costs. Pilots and navigators can make their coverage much more affordable by taking advantage of these discounts.
Auto Insurance Discounts From the Top Providers for Pilots and Navigators
| Insurance Company | Available Discounts |
|---|---|
| Membership, Multi-Policy, Good Driver, New Car, Anti-theft System |
| Good Driver, Early Signing, Bundling, Safe Driving Club, Teen Driver |
| Loyalty Discount, Bundling Policies, Good Driver, E-Policy, Autopay |
| Multi-Policy, Safe Driver, Accident Forgiveness, Vehicle Safety, Payment Discounts |
| Good Driver, Multi-Policy, Military, Federal Employee, Defensive Driving |
| Multi-policy, Early Shopper, Vehicle Safety, Anti-Theft Device, Paperless Billing |
| Multi-Policy, Accident-Free, Good Driver, Safety Equipment, Defensive Driving, Anti-Theft System |
| Multi-Policy, Snapshot Program, Continuous Insurance, Online Quote, Homeowner Discount |
| AARP Member Discount, Good Driver, Multi-Policy, Vehicle Safety Features |
| Multi-Policy, Safe Driver, Hybrid/Electric Vehicle, New Car, Good Student |
Common car insurance discounts include multi-policy, multi-car, car safety, anti-theft, good driver, and paperless discounts. Additionally, an occupational discount might apply to those in lower-risk professions.
However, given the increased risk associated with long commutes and frequent parking in large areas, pilots and navigators may find these discounts less applicable. Learn more about occupation discounts.
Commercial Auto Insurance for Pilots and Navigators
Pilots and navigators have special needs when it comes to auto insurance. While regular car insurance works for everyday use, it might not fully cover the unique situations aviation professionals face. Commercial auto insurance is made to handle the risks tied to their jobs, like constant travel and activities related to flying.
Commercial auto insurance gives you more coverage, including protection for aviation-related accidents and any specialized equipment. It’s a solid choice for pilots and navigators who spend a lot of time flying or deal with risks that come with it. This kind of insurance helps make sure their coverage fits the unique needs of their work.
Choosing the right auto insurance is important for pilots and navigators to stay safe. Commercial policies are made to cover work travel and aviation needs, giving the right protection. This coverage helps lower risks and gives peace of mind, knowing aviation workers are protected if something goes wrong.
Case Studies: Best Auto Insurance for Pilots and Navigators
Finding the right insurance is essential for pilots and navigators because their jobs come with unique needs. These three examples show how Nationwide, AAA, and Travelers offer great options for coverage, car insurance discounts, and peace of mind for aviation professionals.
- Case Study 1 — Nationwide Saves Money and Protects: A pilot saved $300 a year with Nationwide’s $60 monthly plan. It covered both their car and flying needs. With support available 24/7, quick answers, and a simple claims process, they felt at ease, even with their busy schedule.
- Case Study 2 —Travelers Covers Everything: A private pilot went with Travelers because their plans were flexible and covered their car and aviation gear at a great price. With reasonable rates and options for both land and air travel, it was just what they needed.
- Case Study 3 — AAA Offers Big Discounts: A retired navigator saved 25% by bundling their home and car insurance with AAA. The roadside assistance and extra perks made it a great choice for anyone wanting to save and get more benefits.
These examples show how pilots and navigators can find affordable, reliable insurance that fits their unique needs. Check out these options to find the best plan for you.
Finding the Best Auto Insurance for Pilots and Navigators
The best auto insurance for pilots and navigators comes from companies like Nationwide, AAA, and Travelers. They offer flexible plans that are made for people in aviation. Options like safe driver discounts, tailored coverage, and extra benefits make it easier for pilots and navigators to get the protection they need on and off the ground.
Choosing the right auto insurance for pilots and navigators ensures they have reliable coverage that fits their unique risks, work schedules, and travel needs, giving them peace of mind on and off the road.
Tim Bain Licensed Insurance Agent
Choosing the right plan is key, whether you’re looking to save money, get more coverage, or have extra flexibility. Spend a little time looking at your options and find the one that protects you while saving you cash.
The right auto insurance keeps you ready for whatever life throws at you. Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.
Frequently Asked Questions
What is pilot car insurance?
Pilot insurance covers vehicles that escort oversized loads to ensure safety. It helps protect the pilot vehicle during operations. Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.
What is the pilot insurance cost?
Pilot insurance costs vary based on factors like location, vehicle type, and coverage level, typically ranging from $500 to $2,000 per year. Additionally, pilots insurance gives coverage that’s made to fit the special risks pilots face, like traveling often and having higher liability concerns. It helps protect them both in their personal life and their work.
What is the cheapest pilot car insurance?
The cheapest pilot car insurance will depend on your location and driving record. It’s recommended to compare rates from different pilot car insurance companies to find the best deal.
What is the pilot vehicle insurance cost for the Honda Pilot?
Honda Pilot insurance cost typically ranges from $1,200 to $1,800 annually. Honda Pilot insurance rates are influenced by factors like the driver’s age, location, and cheapest ZIP code for car insurance.
What is the average pilot car insurance cost?
The average pilot car insurance cost is between $500 and $2,000 per year. This can vary depending on factors like location, vehicle type, and coverage level. For those seeking the cheapest life insurance for pilots, rates will also vary based on factors like health and flight hours.
What are some popular pilot car insurance companies?
Some of the top pilot car insurance companies include Geico, USAA, and Esurance, which offer various coverage options for pilot vehicles. Compare auto insurance companies here.
What are pilot car insurance requirements by state?
Pilot car insurance requirements by state differ. Some states require basic liability coverage, while others may have additional requirements like bonding or specific insurance limits for pilot vehicles.
Does Geico offer pilot renters insurance and private pilot insurance?
Yes, Geico pilot car insurance offers pilot renters insurance and private pilot insurance, providing affordable coverage options for those operating pilot vehicles. Your car insurance rates will likely increase after an at-fault accident, but you can find your cheapest coverage option by using our free quote comparison tool today.
Can I get a Geico auto insurance quote for pilot cars?
Yes, you can get a Geico auto insurance quote for both regular cars and pilot cars. Geico also offers discounts like the USAA safe pilot discount for qualified drivers. Get informed with our guide, “Is it bad to get an auto insurance quote online?”
How much is pilot car insurance?
The cost of pilot car insurance depends on factors like your location, coverage limits, driving history, and the insurance company you choose. On average, it can range from $1,500 to $5,000 per year, but prices vary. It’s best to get quotes from multiple insurers to find the best rate.