Buying cheap car insurance for a Honda Accord in California relies on a fairly complex equation with a lot of factors such as how far you commute, your residence address, and your motor vehicle report. Drivers in California pay on average $897 annually for Accord insurance, but that amount is a valuation calculated based on a 50-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
There’s a good chance you’re not a 50-year-old male, single instead of married, and maybe you want different deductibles. Just a very minor change in rating variables could result in a significant change in the cost of a policy.
This illustrates why the best way to find the cheapest coverage for your Honda is to do a thorough rate comparison. To start saving now, get free quotes and you can get prices from the best companies that sell coverage in California.
View Honda Accord Insurance Rates
The specific trim level tends to impact price, so the price you pay to insure a Accord LX 4-Dr Sedan will be $314 cheaper than the cost to insure the higher-priced Accord EX-L 2-Dr Coupe version, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $144 | $252 | $360 | $22 | $108 | $886 | $74 |
| Accord EX 4-Dr Sedan | $144 | $252 | $360 | $22 | $108 | $886 | $74 |
| Accord LX-P 4-Dr Sedan | $144 | $252 | $360 | $22 | $108 | $886 | $74 |
| Accord EX-L 4-Dr Sedan | $164 | $308 | $360 | $22 | $108 | $962 | $80 |
| Accord EX 2-Dr Coupe | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Accord LX-S 2-Dr Coupe | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Accord EX-L 2-Dr Coupe | $186 | $362 | $480 | $28 | $144 | $1,200 | $100 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific Long Beach garaging location which can raise or lower insurance rates noticeably.
Selecting the right car insurance company can be a challenge considering how many companies provide coverage in Long Beach. The ranking data shown below could help you pick which car insurance providers you want to consider when buying insurance for a Honda Accord. These ratings are only made up of major nationwide insurance companies, so companies with more of a regional focus are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Long Beach insurance rates
Car insurance companies that sell policies for a Honda Accord may also provide discounts that could reduce prices by as much as 30% if you qualify. Larger insurance companies and some of the premium reductions they offer are included below.
- Progressive includes discounts for online signing, multi-vehicle, continuous coverage, online quote discount, homeowner, and multi-policy.
- SAFECO offers discounts for anti-lock brakes, accident prevention training, drive less, bundle discounts, and safe driver.
- American Family may offer discounts for good student, accident-free, multi-vehicle, air bags, Steer into Savings, and defensive driver.
- MetLife offers premium reductions for defensive driver, accident-free, claim-free, multi-policy, and good driver.
- GEICO may include discounts for daytime running lights, anti-theft, air bags, anti-lock brakes, and federal employee.
- The Hartford has discounts for vehicle fuel type, good student, air bag, bundle, driver training, anti-theft, and defensive driver.
The illustration below shows the difference between auto insurance costs with and without discounts applied. The premiums assume a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, defensive driving course, passive restraint, anti-theft, multiple vehicle, and marriage discounts applied. When drivers take advantage of discounts, theamount saved on insurance for a Honda Accord is 28% or $608.
Accidents and violations increase rates
A great way to maintain the most affordable insurance premiums in California for an Accord is to be a cautious driver and avoid tickets and accidents. The chart below demonstrates how traffic citations and accident claims increase yearly insurance costs for different age groups of insureds. The rate quotes are based on a married female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The data above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,598. Get written up for two speeding tickets and the average cost swells to $2,264, an increase of $666 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for a Honda Accord jumps again to an average of $4,870. That’s an increase of $3,272, or $273 per month, just for not driving carefully!
The chart below demonstrates how deductible levels can change insurance prices when trying to find cheap insurance for a Honda Accord. Data assumes a single female driver, comp and collision included, and no discounts are factored in.
As shown above, a 50-year-old driver could lower their policy premium by $350 a year by switching from a $100 deductible to a $500 deductible, or save $530 by selecting a $1,000 deductible. Young drivers, like the Age 20 chart data, could drop their prices up to $888 each year just by choosing larger deductibles. If you do raise deductibles, it is important to have emergency funds available to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.