Cheap Insurance Quotes for a Honda Accord in Arizona

When writing about auto insurance, the words “affordable” or “cheap” should never be used as a descriptor for auto insurance rates. It’s a simple fact that cheap auto insurance for a Honda Accord can be hard, if not impossible, to find. But don’t let that discourage you, because we will tell you how you can still get insurance that is cheaper than what you have now.

Your chances of buying the cheapest insurance for a Honda Accord in Arizona hinges on a very complex rating algorithm that uses multiple factors such as how long your commute is, if you have ever had a coverage lapse, and any driving offenses on your record. Arizona drivers on average pay approximately $1,110 each year to buy insurance for a Honda Accord, but that rate is an estimation based on cost data for a 30-year-old single male with comprehensive and collision coverage and $100 physical damage deductibles.

Most likely you are not 30 and possibly not even male, you might be married instead of single, or you just want cheap liability insurance instead of full coverage. Making even small differences in rating factors may result in a big change in the policy rate.

Auto insurance is not the same for everyone, so your best chance at finding cheap insurance rates for your Honda is to make a habit of comparing rates at every renewal.

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Vehicle trim level will have an impact the coverage cost, so the price you will be charged to insure a Accord LX 4-Dr Sedan will be $390 lower than the insurance cost for the more costly Accord EX-L 2-Dr Coupe trim level, as shown in the chart below.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in specific Arizona garaging location which can change coverage rates significantly.

What is the best auto insurance company in Arizona?

Picking a highly-rated insurer can be challenging considering how many companies are available to choose from in Arizona. The ranking information shown below can help you select which insurers to look at comparing rates from. These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Arizona business are not factored into this list.

How to get discounts on Arizona insurance rates

Insurance companies that sell cheap insurance for a Honda Accord in Arizona may also provide rate discounts that can reduce rates by as much as 25% or more if you meet specific eligibility requirements. Popular auto insurance companies and a selection of discounts are included below.

The chart below shows the comparison of auto insurance costs with and without some available policy discounts. The rates are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, multiple policy, vehicle safety, marriage, multiple vehicle, and safe-driver discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Honda Accord is 13% or $276.

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How much more does full coverage cost?

Finding cheap insurance for a Honda Accord in Arizona should be important to the majority of vehicle owners, and one way to find cheap insurance is to not pay for full coverage. The chart below shows the difference between insurance prices with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $500 deductibles, single marital status, and no other discounts are factored in.

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If all age groups are averaged, physical damage coverage costs an extra $1,417 per year more than buying just liability insurance. Lot’s of drivers question if full coverage is worth the money. There is no specific rule to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your vehicle’s book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your policy deductible. If you are paying more than $400 a year to have full coverage, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Which major car insurance company is best?

When it comes to insurance for an Accord in Arizona, the top insurers to get price quotes from are State Farm, Progressive, Geico, and Allstate. All of them offer physical damage and liability coverage, but each has a little bit different set of discounts and options that you can choose from. The data below illustrates pricing and service ratings, plus some optional coverages you can expect with each one.