Who Has the Cheapest Insurance for a Honda Accord in Georgia?

Our editors have a joke that when writing about auto insurance, the word “cheap” should not appear as a descriptor for car insurance rates. Nonetheless, cheap car insurance for a Honda Accord is not easy to find. Don’t let that bother you, though, because we are going to show you how you can quote auto insurance that you are able to afford.

The chances of finding the best cheap coverage for a Honda Accord in Georgia hinges on many factors like the number of years you have been licensed, the performance level of your vehicle, and if you have any chargeable driving offenses. Drivers in Georgia pay an average of $1,010 per year to insure a Honda Accord, but that price is an estimation that uses rate data for a 40-year-old married female that includes both comprehensive and collision coverage and $500 deductibles.

Odds are that you are not 40 years old and maybe not even female, you might be single instead of married, or you just want cheap liability insurance instead of full coverage. Just a minor change in policy rating factors could result in a significant change in the policy cost.

Different coverage needs are the reason why the way we recommend to find cheap insurance rates for your Honda is to make a habit of comparing prices at least once a year.

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The trim level of your Accord will likely have an effect on the yearly cost, so the price you will pay to insure a Accord LX 4-Dr Sedan will be $354 cheaper than the price to insure the more well-appointed Accord EX-L 2-Dr Coupe version, as shown by the rates below.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium amounts do not factor in your specific Georgia location which can affect price quotes greatly.

Insuring your vehicle with the right car insurance provider can be rather challenging considering how many companies sell insurance in Georgia. The ranking data displayed below can help you pick which providers you want to consider when shopping insurance around for a Honda Accord.

These rankings are only made up of companies with a nationwide focus, so smaller companies are not taken into consideration for the list. To compare price quotes and find the cheapest rates for a Honda Accord, simply click here.

Top 10 Major Auto Insurance Companies in Georgia Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Major Auto Insurance Companies in Georgia Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Honda Accord Insurance in Georgia

The diagram below shows how choosing a deductible can affect insurance costs when searching for cheap insurance for a Honda Accord. The data is based on a married male driver, full coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3721,3375,2989,2627],[‘Age 30’, 1961,1777,1567,1363],[‘Age 40’, 1871,1703,1509,1323],[‘Age 50’, 1711,1557,1383,1215],[‘Age 60’, 1679,1529,1357,1191],[‘Age 70’, 1917,1751,1569,1395]]);var options = {title: ‘Effect of Deductibles on Honda Accord Insurance Rates in Georgia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 50-year-old driver could reduce rates by $328 a year by increasing from a $100 deductible up to a $500 deductible, or save $496 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could lower their rates $1,094 every year just by using higher deductibles. If you do raise deductibles, it will now be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Your cheap Accord insurance may actually be overpriced

Georgia insurance rates are impacted by many things which can substantially decrease or increase the price you have to pay. Simply improving your credit, adding a teenager to your policy, or getting a ticket for careless driving may generate price changes resulting in some rates now being much cheaper than others.

Also, companies change premium rates at least once a year to help ensure profitability. Significantly higher claims can cause more expensive prices, while a lower level of claims may cause cheaper Accord insurance rates.

To illustrate this example, the chart below shows a variety of companies that have the cheapest car insurance in Georgia for a 40-year-old female driver with no accidents, a clean driving record, and solid credit. When comparing rates based on her personal profile, Auto-Owners offers the most affordable car insurance rates in Georgia at $864 each year. This is $665 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife also make the list of the top five cheapest Georgia auto insurance companies.

google.charts.setOnLoadCallback(drawGAWitcqcibChart);function drawGAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Auto-Owners’, 864, ‘#0D6781’],[‘The Hartford’, 913, ‘#0A556B’],[‘USAA’, 978, ‘#084659’],[‘Central Mutual’, 1169, ‘#063A4A’],[‘MetLife’, 1226, ‘#05303D’]]);var options = {title: ‘Best Car Insurance Rates for a Honda Accord’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1326,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

In the next rate comparison, we’ll give the driver in the first example a claim, a lower credit score, and a speeding ticket. Due to the fact that each insurance company has their own guidelines for setting rates, comparing prices may now result in a different set of affordable Georgia car insurance companies as shown below.

google.charts.setOnLoadCallback(drawGAWcqcibChart);function drawGAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1449.8, ‘#C76400’],[‘The Hartford’, 1460.8, ‘#A55300’],[‘USAA’, 1467, ‘#894500’],[‘Mercury’, 1505.9, ‘#723900’],[‘Country’, 1514.7, ‘#5F2F00’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1614.7,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Travelers now has the lowest price on auto insurance in Georgia with The Hartford, USAA, Mercury, and Country completing the list. This shows why consumers need to shop around when trying to find the most affordable car insurance rates for a Honda Accord. Insurance prices are made up of many different factors and can increase or decrease at any time, so the cheapest rate when you last compared rates may now be one of the higher cost companies.

How to find economical car insurance for a Honda Accord

It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching solutions that can help drivers locate more affordable coverage.

• Buy a safer vehicle
• You will pay more if you get tickets or have at-fault accidents
• Prevent rate increases by staying accident-free
• Increase deductibles to save money
• Improve your credit
• Shop around and save

The last idea is incredibly valuable, as was noted in this article. Auto insurance rates in Georgia can change significantly in a year, so drivers shouldn’t hesitate to change insurance companies if you can find a cheaper rate. Brand loyalty is great, but it’s not recommended if that dedication is costing a considerable chunk of change every month. If you have a few minutes, shop around and find cheaper auto insurance for a Honda Accord.