Cheap Insurance for a Honda Accord in California

The chances that you’ll find affordable insurance for a Honda Accord in California depends on a pretty complex algorithm that uses a lot of factors such as whether you are married or single, the likelihood of vehicle theft, and your choice of physical damage deductibles. California drivers pay an average rate of $880 annually to buy Honda Accord insurance, but that rate is an approximation using rate data for a 50-year-old married female with both comprehensive and collision coverage and $1,000 physical damage deductibles.

Most likely you’re not a 50-year-old female, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Everyone has unique insurance needs, and this illustrates why the most reliable method for finding the most affordable coverage for your Honda is to comparison shop your policy at every renewal or at least every couple of years. Get your free quotes now and you will be able to compare rates from some of the best companies around.

Compare Honda Accord Insurance Rates

Vehicle trim level tends to have a direct impact on the cost of coverage, so the price you will be charged to insure a Accord LX 4-Dr Sedan will be $308 lower than the price to insure the more expensive Accord EX-L 2-Dr Coupe version, as shown by the rates below.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in garaging location in California which can lower or raise coverage prices significantly.

Establishing which company quotes the lowest-priced insurance rates for a Honda Accord will involve a bit more work than just comparing rates from one or two companies.

Every insurance company used slightly different criteria to set their prices, so let’s examine the most budget-friendly insurance companies in California. It’s a good idea to know that California insurance rates are influenced by many factors that may substantially change the price you have to pay. Turning one year older, getting married, or getting a ticket for careless driving can trigger price changes that can now make some companies more affordable than the competition.

Find the Best Cheap Insurance for Your Accord

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USAA offers some of the cheapest car insurance rates in California at around $1,155 a year. Wawanesa, CSAA, Century National, and Nationwide are also some of the best California insurance companies.

In this example, if you currently have coverage with Century National and switched to USAA, you might realize an annual savings of roughly $71. California drivers with Nationwide may save as much as $95 a year, and 21st Century policyholders might lower prices by up to $170 a year.

To get a fast rate comparison, click here to get a free quote or feel free to get quotes from the companies below.

Bear in mind that those policy rates are averages across all drivers and vehicles and and are not calculated with a specific rating modification for a Honda Accord. So the insurer that has the cheapest price for you may not even be featured in the list of companies above. That’s why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The chart below highlights how deductible selection can influence insurance prices when searching for cheap insurance for a Honda Accord. The prices are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

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A 30-year-old driver could save $482 a year by switching from a $100 deductible up to a $500 deductible, or save $724 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, can cut up to $1,068 every year by choosing larger deductibles on their policy.

When increasing deductibles, it will now be necessary to have enough savings set aside to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Discount California insurance rates

Insurance providers that sell cheap insurance for a Honda Accord in California may additionally offer rate discounts that could lower prices by as much as 35% or more if you can meet the requirements. A few popular companies and some of the premium reductions they offer can be found below.

The chart below compares yearly insurance costs with and without discounts applied to the rates. The rates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with accident-free, homeowner, multiple policy, claim-free, safe-driver, and marriage discounts applied. With discounts applied, the the average yearly reduction on insurance for a Honda Accord is % or $.

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