Finding affordable car insurance for a Honda Accord is pretty easy for most people, but it depends on a lot of rating criteria such as the safety rating of your vehicle, the size of your vehicle, and driving violations. Drivers in California pay on average $1,225 each year to insure their Accord, but that is a valuation using a 50-year-old married female driver with full coverage and $100 deductibles.
There is a good probability you may not be 50 years old (or even female), single instead of married, and maybe your Accord just needs liability-only coverage. Having even a minor difference in policy rating criteria or coverages may result in significant differences in the cost of a policy.
Auto insurance is unique to each driver, so the best method for finding the most affordable coverage for your Honda is to compare as many rates as possible. Do a quick rate comparison now and you will receive prices from the cheapest companies that offer coverage in California.
Compare Honda Accord Insurance Rates
Your vehicle’s trim level will have an impact price, so the cost to insure a Accord LX 4-Dr Sedan trim level will cost $436 less than the price to insure the high end Accord EX-L 2-Dr Coupe version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $256 | $468 | $354 | $20 | $106 | $1,204 | $100 |
| Accord EX 4-Dr Sedan | $256 | $468 | $354 | $20 | $106 | $1,204 | $100 |
| Accord LX-P 4-Dr Sedan | $256 | $468 | $354 | $20 | $106 | $1,204 | $100 |
| Accord EX-L 4-Dr Sedan | $292 | $570 | $354 | $20 | $106 | $1,342 | $112 |
| Accord EX 2-Dr Coupe | $292 | $672 | $470 | $28 | $140 | $1,602 | $134 |
| Accord LX-S 2-Dr Coupe | $292 | $672 | $470 | $28 | $140 | $1,602 | $134 |
| Accord EX-L 2-Dr Coupe | $330 | $672 | $470 | $28 | $140 | $1,640 | $137 |
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Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in Los Angeles location which can change prices significantly.
Figuring out which companies quote the best car insurance rates for a Honda Accord involves more work in order to find the most economical policy.
Every car insurance company uses a little different formula for filing rates in each state, so let’s take a look at the car insurance companies with the most affordable rates in Los Angeles, CA. Keep in mind that Los Angeles, CA car insurance rates are based on many factors that can increase the cost of a policy. Simply having a birthday, adding a teenager to your policy, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be more affordable than before.
Find the Cheapest Auto Insurance for Your Accord
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | GEICO | $1,513 |
| 10 | Progressive | $1,558 |
| 11 | Allstate | $1,559 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
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USAA may offer some of the most affordable car insurance rates in Los Angeles at around $1,121 a year. This is $530 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide would also make the list of some of the most economical Los Angeles, CA insurance companies.
As illustrated above, if you are currently insured with Century National and switched to USAA, you could see savings of approximately $57. California drivers with Wawanesa could save as much as $60 a year, and CSAA customers might reduce rates by $113 a year.
These prices are averaged for all types of insureds and vehicles and do not take into consideration an exact location for a Honda Accord. So the auto insurance company that can offer you the best price may not even be in the list above. That emphasizes why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Illustration showing the impact of accidents and violations
The best way to find low car insurance rates for an Accord is to be a good driver and avoid accidents and violations. The example below illustrates how speeding tickets and at-fault collisions influence car insurance rates for each age group. The prices are based on a married female driver, full coverage, $100 deductibles, and no other discounts are factored in.
In the example above, the average cost of car insurance in Los Angeles per year with no violations or accidents is $2,596. Factor in one speeding ticket and the average cost swells to $3,023, an increase of $427 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for a Honda Accord increases to an average of $4,252. That’s an increase of $1,656, or $138 per month, just for not being attentive to the road!
The information below shows how choosing a deductible can change premium costs when trying to find cheap insurance for a Honda Accord. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 40-year-old driver could reduce rates by $350 a year by increasing from a $100 deductible up to a $500 deductible, or save $530 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, could potentially save as much as $888 every year by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it will be important to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to get discounts on Los Angeles auto insurance
Car insurance companies that sell policies for a Honda Accord could also offer premium discounts that can lower rates by as much as 35% if you are eligible. A list of car insurance companies and a partial list of their discounts are shown below.
- Progressive has savings for continuous coverage, multi-vehicle, multi-policy, online signing, and good student.
- SAFECO may offer discounts for safe driver, teen safe driver, anti-theft, bundle discounts, accident prevention training, multi-car, and homeowner.
- American Family offers premium reductions for air bags, early bird, good driver, multi-vehicle, and good student.
- MetLife may have discounts that include accident-free, good student, good driver, claim-free, defensive driver, and multi-policy.
- GEICO has discounts for daytime running lights, defensive driver, anti-lock brakes, military active duty, federal employee, and anti-theft.
- The Hartford includes discounts for vehicle fuel type, bundle, good student, defensive driver, and anti-theft.
The example below shows the difference between car insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with claim-free, homeowner, marriage, multiple vehicle, accident-free, and safe-driver discounts applied. When drivers take advantage of discounts, theaverage amount saved on car insurance for a Honda Accord is 28% or $662.