Best Cheap Insurance for a Honda Accord in New York

Buying cheap insurance for a Honda Accord in New York is dependent upon a whole bunch of rating criteria like when you were born, your address, and if you have any chargeable driving offenses. New York drivers pay around $690 a year for Accord insurance, but that price is an estimation that uses a 30-year-old married female that includes full coverage including both comprehensive and collision and $500 deductibles.

If we were betting, you are not 30 and maybe not even a female, possibly single instead of married, or you need different deductibles. This demonstrates why your best shot at finding the cheapest insurance price for your Honda is to take your time and compare rates from as many companies as possible. Comparing quotes is easy and you will be able to see rates from some of the best companies that insure vehicles in New York.

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The specific trim level will likely have an effect on the cost of coverage, so the price you will pay to insure a Accord LX 4-Dr Sedan trim level will be $242 cheaper than the price to insure the high end Accord EX-L 2-Dr Coupe model, as shown in the table below.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in specific garaging location which can affect premium rates significantly.

Finding dependable, low-cost car insurance is hard enough, and determining which insurers offer the best auto insurance rates for a Honda Accord will involve even more perseverance.

Each auto insurer has their own unique process to establish rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in New York. We do need to point out that New York auto insurance rates are impacted by many factors which can significantly increase or decrease the cost of having a policy. Improving your financial situation, having a claim, or getting a ticket for careless driving may prompt premium changes that can now make some companies cheaper than before.

Best Car Insurance Prices for Your Accord

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USAA generally has some of the most affordable car insurance rates in New York at around $1,163 each year. Erie, Progressive, Travelers, and Utica National also are some of the cheaper New York auto insurance companies.

As shown in the rates above, if you currently have coverage with Utica National and switched to Erie, you might see an annual premium reduction of in the neighborhood of $279. Policyholders with Amica may save as much as $325 a year, and MetLife insureds might see rate reductions of $333 a year.

If you want to find out if you’re overpaying, click here to start your free quote or quote rates from the companies below.

Be aware that those policy rates are averages across all drivers and vehicles in New York and and are not calculated with a specific rate factor for a Honda Accord. So the auto insurance company that fits your situation best may not even be in the list of companies shown earlier. That emphasizes why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Discounts on the best cheap insurance for a Honda Accord in New York

Car insurance companies that sell policies for a Honda Accord may have rate discounts that could lower prices by 35% or more if you are eligible. Larger auto insurance companies and the discounts they provide are detailed below.

The diagram below visualizes the comparison of insurance costs with and without discounts applied to the rates. The information is based on a female driver, no accidents, no driving violations, New York state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, claim-free, anti-theft, multiple vehicle, safe-driver, and defensive driving course discounts applied. When these discounts are applied, the the average yearly reduction on auto insurance for a Honda Accord is % or $.

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Which major car insurance company is best?

If you are shopping around for insurance for an Accord, four companies you’ll want quotes from are Progressive, State Farm, Allstate, and Geico. Between them, they make up almost 50% of all vehicles in the U.S.. The data below compares and contrasts some of the different options and features that policyholders can buy.