Finding economical insurance for a Honda Accord in California depends on an enormous amount of rating factors such as when you were born, your geographic location, and citations on your driving record. California drivers pay on average $1,109 each year to insure their Accord, but that price is an estimate using a 40-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even male, you might be single instead of married, and maybe you have sub-par credit that needs to be factored in. There is no perfect policy for every driver, so the best way to find the cheapest rates for your Honda is to compare rates from as many companies as possible. Get your free quotes now and you will receive rate quotes from some of the best insurers around.
The trim level of your Accord will most likely have an effect on the cost of coverage, so the price to insure a Accord LX 4-Dr Sedan model will be $392 less than the insurance cost for the higher-end Accord EX-L 2-Dr Coupe version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$220||$350||$386||$22||$116||$1,094||$91|
|Accord EX 4-Dr Sedan||$220||$350||$386||$22||$116||$1,094||$91|
|Accord LX-P 4-Dr Sedan||$220||$350||$386||$22||$116||$1,094||$91|
|Accord EX-L 4-Dr Sedan||$252||$426||$386||$22||$116||$1,202||$100|
|Accord EX 2-Dr Coupe||$252||$502||$514||$30||$154||$1,452||$121|
|Accord LX-S 2-Dr Coupe||$252||$502||$514||$30||$154||$1,452||$121|
|Accord EX-L 2-Dr Coupe||$286||$502||$514||$30||$154||$1,486||$124|
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in specific Sacramento garaging location which can modify auto insurance rates substantially.
Finding out which insurers offer the best auto insurance rates for a Honda Accord will take a little more sweat in order to find the lowest price. Each insurance company has their own guidelines for determining prices, so we will examine the overall cheapest auto insurance companies in Sacramento, CA.
It’s important that you understand Sacramento auto insurance rates are calculated based on many things that may substantially change the price you pay. Simply turning a year older, having a claim, or having a fender bender can cause premium changes that may make certain companies cheaper than competitors.
Lowest Insurance Price Quotes for Your Accord
|Rank||Company||Cost Per Year|
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USAA normally has some of the cheapest car insurance rates in Sacramento at around $1,155 a year. This is $496 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also are some of the best Sacramento, CA insurance companies.
In the above example, if you currently buy coverage from Nationwide and switched to Wawanesa, you could earn savings of in the neighborhood of $71. Policyholders with 21st Century might save as much as $187 a year, and Grange insureds might lower prices by up to $255 a year.
If you want to find out if you’re overpaying, click here or quote rates from the companies below.
Remember that these premiums are averages across all drivers and vehicles and do not take into consideration an exact vehicle garaging location for a Honda Accord. So the company that can offer the best rates for your situation may not even be in the list above. That emphasizes why you need to get auto insurance quotes using your own driver information and specific vehicle type.
The chart below illustrates how choosing a deductible can raise or lower annual premium costs when quoting cheap insurance for a Honda Accord. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied.
The chart above illustrates that a 30-year-old driver could cut expenses by $552 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $830 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, can cut up to $1,640 every year just by using higher deductibles.
When choosing a higher deductible, it is a good idea to have enough savings set aside to pay the extra out-of-pocket expense that comes with higher deductibles.
The benefit of shopping around
California auto insurance rates are impacted by many factors that will increase or decrease the cost of a policy. Turning one year older, filing a claim, or getting a few speeding tickets may generate price changes that can now make some companies cheaper than others. In addition to those changes, auto insurance companies change prices as often as every quarter to adjust for heavy claims or excess profits. Higher than normal claims can result in more expensive prices, while a better claims history can result in more affordable Accord insurance rates.
To illustrate this point, the data below shows which company has the cheapest car insurance in Sacramento, CA for a 45-year-old female driver with a good driving record, no prior claims, and good credit. When comparing rates based on her current situation, USAA may offer the lowest car insurance rates in Sacramento at $1,448 annually. This is $203 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the most affordable Sacramento, CA auto insurance companies.
The example below compares rates after we give the driver in the first example a chargeable accident, a little lower credit rating, and a few blemishes on her driving record. Since each company has their own guidelines to set their prices, comparing prices may now show a significantly different list of affordable Sacramento car insurance companies as shown below.
Grange now has the best price on car insurance in Sacramento, CA with GEICO, Mercury, Progressive, and Allstate completing the list. This demonstrates why it is critical to shop around with many companies when trying to get cheap insurance quotes for a Honda Accord.
Insurance rates are influenced by many risk factors and can increase or decrease at any time, so the cheapest company the last time you checked may now be quite expensive.