Honda Accord car insurance rates don't tend to be among the more costly options; however, costs may depend on factors like age and driving record.
A Honda Accord typically costs an average of around $1,310 annually or $109 monthly to fully insure with full coverage, though good drivers could save as much as $540 through policy discounts and policy upgrades.
Driver Age
Age plays an essential part when purchasing Accord insurance policies, with younger drivers often paying higher premiums due to inexperience driving on public roads. Good drivers, however, may qualify for discounts such as military, educator, student and professional organization discounts as well as bundling policies or having a clean driving history which could lower rates considerably.
Age can also play a part in rates, with older vehicles often costing less to insure than newer models. For instance, an older Honda Accord model costs $160 less per year to insure than its 2019 counterpart due to having cheaper parts and repair costs.
Drivers can save by choosing a safer vehicle with advanced safety technologies. For instance, the Honda Accord comes equipped with standard anti-lock brake system to reduce accidents and injuries by stopping tires from spinning freely; additionally, it features Vehicle Stability Assist with Traction Control which prevents skidding during sharp turns.
Another variable influencing the average Honda Accord car insurance cost is your location. Certain states offer higher or lower premiums depending on state-mandated coverage levels - Maine offers one of the lowest premiums at $68, while Michigan ranks first at an eye-watering $199.
If you're in search of inexpensive Honda Accord insurance, considering purchasing used or opting for liability-only policies might be your answer. When shopping around and comparing quotes from various providers is key; USAA and Nationwide offer low premiums for current and former members of the military while Ohio Mutual and CaliforniaCasualty may offer premiums as low as $22/month with liability-only and $33/month when full coverage. But keep in mind there may be other factors considered by insurers when calculating monthly premiums; take that as just two options out there as potential solutions!
Driver’s Record
Honda Accord car insurance prices can be heavily influenced by drivers' past driving records. Drivers with minimal accidents and violations tend to enjoy lower premiums; conversely, those involved in multiple collisions or speeding tickets could see their premiums increase substantially.
State laws also play a role in determining the cost of auto insurance policies, with states with stricter traffic laws and higher minimum coverage requirements typically costing more than less-restrictive states with more forgiving minimum requirements.
Age and model of your Accord can have a dramatic effect on its insurance rates. Older models typically cost less to insure due to being worth less and requiring fewer repairs; moreover, older Accords may provide safety features not offered on newer models.
Your vehicle's safety ratings and fuel economy can also have an effect on its rate. For instance, the Honda Accord LX with front-wheel drive typically has lower premiums than the EX-L version with all-wheel drive.
Whenever possible, full coverage auto insurance should be purchased if budget allows. This policy can protect against all manner of potential damages, from medical bills to lost income. Furthermore, full coverage policies usually include collision and comprehensive coverage as well as collision damage reimbursement which reimburse you if your vehicle is involved in an accident.
No matter the state of the economy, saving money on car insurance doesn't need to be difficult! By following some basic tips you could potentially save hundreds on premiums. These include maintaining a clean driving record, avoiding tickets and accidents, maintaining high credit scores, shopping around for quotes at every renewal and qualifying for all available discounts - these will all help lower rates for your Honda Accord - find affordable coverage if you are willing to shop around regularly and compare quotes regularly; enter your zip code now to start exploring options!
Vehicle’s Safety Ratings
Purchase of a vehicle that boasts excellent crash test ratings and safety features is one of the best ways to keep car insurance costs at a minimum. Honda Accord models, for instance, boast excellent crash test ratings as well as features such as airbags, anti-lock brakes, electronic stability control, lane departure warning, adaptive cruise control and much more - which make this sedan perfect for families while helping keep its insurance rates lower than other comparable vehicles.
The 2023 Honda Accord earned top safety marks across government crash tests to win this prestigious honor, receiving good or acceptable ratings in every one. These included driver-side small overlap front, passenger-side small overlap front, updated side test, original moderate overlap front test as well as its headlights - this year marking an increase in requirements for receiving this accolade from IIHS to include good or acceptable headlight ratings as part of earning it.
Full coverage insurance costs approximately $1,310 annually or approximately $109 monthly when purchasing an Accord, covering liability, collision, and comprehensive. However, drivers with clean driving records who qualify for policy discounts could see savings amount to as much as $540 yearly or $44 each month according to Expert Insurance Reviews.
When searching for Honda Accord insurance quotes, it is essential to keep in mind that rates can differ based on region and state; additional personal factors could also have an effect on their costs. You can get personalized estimates tailored specifically for you by entering your zip code below and receiving personalized quotes tailored just to you!
Average Honda Accord drivers pay $58 more annually than the national average due to age-based rates; teens and young adults face increased risks of filing claims; however, drivers can save money by choosing lower deductibles and only purchasing liability coverage; where their Accord is driven can also have an effect as urban areas often incur more physical damage claims than rural regions.
Location
Honda Accord is one of the most beloved vehicles on the road, making its insurance rates no surprise. On average, full coverage costs an average of $1310 annually or $109 monthly; this figure exceeds the national average by about 11%. Good drivers can save money up to $540 by shopping around and finding their optimal car insurance rate.
The cost of Honda Accord car insurance will depend on several factors, including your age, state of residence and driving record. Other variables that impact policy costs are vehicle model and type. Being a mid-sized sedan makes the Accord safer to drive than smaller cars; its excellent crash test ratings and safety features also can help lower insurance premiums.
Other factors affecting the cost of Honda Accord car insurance include your location, credit score, and driving habits - such as how far and often you travel each year. Drivers in more rural settings typically pay less, while those living in more densely-packed cities may experience higher premiums.
Insurance companies will consider both the make and model of your vehicle as well as how many drivers are on it before offering you car insurance policies. Additional drivers could increase your premium; although Honda Accord is generally safe to drive, adding them may lead to higher premium payments than some models would provide.
Honda Accord's impressive safety features are coupled with exceptional gas mileage and reasonable repair costs, making it an excellent family vehicle choice. Keep in mind, however, that its fuel economy may have an effect on your insurance rates; its availability comes in both hybrid and regular gas versions so it is wise to compare both prices before making your choice.
If you're shopping around for cheap Honda Accord car insurance, begin by entering your ZIP code above. Get instantaneous personalized quotes from some of the leading insurers and quickly make an informed decision about coverage.