How Much are Insurance Quotes for a Honda Accord in Utah?

The chances of buying cheap auto insurance for a Honda Accord in Utah hinges on a lot of rating criteria like age of the vehicle, if you have maintained coverage continuously, and violations on your driving record. Drivers in Utah will pay around $810 per year for Accord insurance, but that figure is an approximation using rate data for a 50-year-old single male who requires full coverage and $250 deductibles.

There is a really good chance that you are not 50 and possibly not even male, you might be married instead of single, or maybe you do not need full coverage. Having just a slight change in input factors could end up in a significant change in the price of coverage.

Insurance rates are unique for each driver, so your best shot at finding the cheapest insurance price for your Honda is to do the rate comparisons yourself.

Insure Your Honda for Less

The specific model of Accord will likely have an effect on the cost of coverage, so the price you will be charged to insure a Accord LX 4-Dr Sedan model will be $288 lower than the cost to insure the higher-priced Accord EX-L 2-Dr Coupe model, as shown in the table below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Utah minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in specific location which can change premiums considerably.

Picking the right insurer can be rather challenging considering how many companies sell insurance in Utah. The information displayed below could help you decide which insurers to look at shopping prices with.

The ratings below include companies who write in the majority of U.S. states, so companies that focus mainly on Utah business are not taken into consideration for this list. To view rates from many more Utah auto insurance companies, click this link.

Tickets and at-fault accidents raise rates

The ideal way to get the cheapest insurance prices in Utah for an Accord is to drive carefully and not get tickets or have accidents. The example below illustrates how violations and accident claims can affect auto insurance costs for different categories of driver ages. The price estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1861,2023,3465],[‘Age 30’, 975,1137,2581],[‘Age 40’, 947,1105,2551],[‘Age 50’, 867,1029,2473],[‘Age 60’, 851,1013,2455],[‘Age 70’, 991,1149,2595]]);var options = {title: ‘Effect of Violations and Accidents on Utah Honda Accord Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Utah’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of auto insurance per year with no accidents or violations is $1,082. Get one speeding ticket and the average cost hikes up to $1,243, an increase of $161 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Honda Accord increases to an average of $2,687. That’s an increase of $1,605, or $134 per month, just for a couple of infractions!

The diagram below demonstrates how deductible levels can influence premium costs when getting quotes for cheap insurance for a Honda Accord. The rates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3107,2831,2525,2237],[‘Age 30’, 1631,1485,1317,1157],[‘Age 40’, 1561,1429,1275,1127],[‘Age 50’, 1427,1307,1167,1035],[‘Age 60’, 1405,1285,1147,1019],[‘Age 70’, 1609,1479,1335,1197]]);var options = {title: ‘Effect of Deductibles on Honda Accord Insurance Rates in Utah’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord’,minValue: 0,format: ‘$###,###’},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);}

A 40-year-old driver could lower their policy premium by $260 a year by increasing from a $100 deductible to a $500 deductible, or save $392 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices $870 each year by selecting a higher deductible.

When using a larger deductible, it is a good idea to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.