Buying cheaper insurance for a Honda Accord is usually pretty straightforward, but it is dependent upon a pretty complex algorithm that uses a lot of factors such as your age, if you have a tendency to file claims, and any past driving violations you may have had. Drivers in California will pay around $897 per year to insure their Accord, but that is an approximation based upon a 50-year-old married male driver with full coverage and $1,000 deductibles.
It’s highly likely you are not 50 and maybe not even a male, possibly single instead of married, and maybe your Accord just needs liability-only coverage. There is no perfect policy for every driver, so the only way to find the most affordable coverage for your Honda is to compare as many rates as possible. It’s really quite easy you will receive rate quotes from some of the best insurers that insure Honda vehicles in California.
Compare Honda Accord Insurance Rates
The specific trim level will likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Accord LX 4-Dr Sedan trim level will be $314 cheaper than the insurance cost for the more well-appointed Accord EX-L 2-Dr Coupe model, as shown by the rates 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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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in specific location information which can decrease or increase insurance rates considerably.
Ending up with the highest-rated insurance company can be challenging considering how many choices there are in Riverside. The information shown next can help you decide which insurers to look at when comparing auto insurance rates for a Honda Accord.
The rankings below are only comprised of large nationwide companies, so companies that focus mainly on California business are not included in this list. To get rate quotes from these and other companies in California, click here.
| 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
Does full coverage make sense?
Reducing the cost of auto insurance is important to most vehicle owners, and one of the easiest ways to find cheaper insurance for a Honda Accord is to buy only liability coverage. The illustration below illustrates the difference between insurance rates with full coverage compared to only the California minimum liability coverage. The rates are based on no claims, a clean driving record, $1,000 deductibles, single status, and no discounts are taken into consideration.
If we average the cost for all age groups, full coverage costs an additional $2,467 per year over liability only. Many drivers may wonder if you should buy full coverage at all. There is no exact formula of when to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
Why you should shop around for Accord insurance
Riverside auto insurance rates are impacted by many things that will increase or decrease the price you pay. Improving your credit score, getting married, or getting a DUI can cause premium changes resulting in some companies being cheaper than competitors.
In addition to those changes, car insurance companies file new California car insurance rates without warning to adjust for heavy claims or excess profits. An extended period of higher than normal claims can cause more expensive premiums, while lower claims may produce more affordable Accord insurance rates.
For example, the data below shows the company with the cheapest car insurance in Riverside, CA for a 45-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. When comparing rates based on her personal risk profile, USAA might offer the lowest car insurance rates in Riverside at $1,299 a year. This is $352 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the remaining most affordable Riverside, CA auto insurance companies.
Now we will pretend the driver in the first example a claim surcharge, slightly worse credit, and a traffic ticket or two. Because each insurer has their own process for setting prices, comparing insurance quotes could result in a different set of cheap Riverside auto insurance companies as shown below.
Grange now has the cheapest auto insurance in Riverside, CA with GEICO, Mercury, Allstate, and Allied also being competitive. This example proves why consumers need to perform a complete rate comparison to get the most economical auto insurance quotes for a Honda Accord.
Auto insurance prices are determined by many different factors and change frequently, so the lowest-price company three years ago may now be costing you a lot of money.
The agents shown below can answer your questions and help you decide which coverages and limits you need, since some people have coverage questions and would like to have a consultation when trying to find lower insurance rates for a Honda Accord. It can be time-consuming to find coverage yourself, so insurance agents can give comfort knowing your policy gives you sufficient coverage at claim time.
To locate a Riverside insurance agent by location nearest to you, click the button after the list.
Atchley and Associates Insurance Services
7891 Mission Grove Pkwy S – Riverside, CA 92508 – (951) 275-0340
Gibson-Hadley Insurance Agency Inc – Mercury Insurance Agent
10363 Hole Ave – Riverside, CA 92505 – (888) 955-0950
Olmedo Insurance Agency
10600 Magnolia Avenue, #B – Riverside, CA 92505 – (951) 689-0540
Troy Manning – State Farm Insurance Agent
4955 Felspar St j – Riverside, CA 92509 – (951) 360-9921
View more Riverside, CA insurance agencies
How to find budget-friendly auto insurance for a Honda Accord
Below you’ll find some penny-pinching solutions that can help drivers quote cheap coverage.
- Buy a safer vehicle
- Pay lower rates with good credit
- Increase deductibles to save money
- Drop full coverage on older vehicles
- Be a safe driver
- At-fault accidents can raise rates significantly
- Shop around for cheaper rates regularly
The last tip is particularly crucial, as we pointed out in this piece. Insurance rates can change considerably based on profitability, so drivers shouldn’t be resistant to switch to a new company if a cheaper rate is available.
Staying with the same car insurance company is fine, but it’s not a good idea if that loyalty results in overpaying a lot of money. In just a couple of minutes you could compare prices and find cheaper auto insurance for a Honda Accord in Riverside.