1. Vehicles
  2. Honda
  3. Accord
  4. 1999 Model Year

1999 Honda Accord Insurance Rates

Average insurance rates for a 1999 Honda Accord are $860 a year for full coverage. Comprehensive insurance costs around $116 each year, collision costs $144, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, with high-risk insurance costing $1,846 or more. Teen drivers receive the highest rates at $3,580 a year or more.

Annual premium for full coverage: $860

Rate estimates for 1999 Honda Accord Insurance

Comprehensive $116
Collision $144
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1999 Honda Accord models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for just liability insurance to a high rate of $1,846 for a high risk driver.

Liability Only $496
Full Coverage $860
High Risk $1,846

View Chart as Image

1999 Honda Accord insurance rates compared
Column chart showing 1999 Honda Accord insurance prices range from $533 to $3,580 for full coverage

These differences show why all drivers should compare rates for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Companies will appear below. Click here to view full page.

Recommended Companies for Cheap 1999 Honda Accord Insurance

Searching Companies

Looking for the cheapest insurance coverage rates for your Honda Accord? Finding lower rates for insurance coverage can seem to be a challenge for beginners to shopping for insurance online. People have so many options available that it can be a real hassle to find lower rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. The purpose of this article is to instruct you on how car insurance quotes work and some tips to save money. But car owners do need to understand the way insurance companies price online insurance and use this information to your advantage.

Save with discounts on 1999 Honda Accord insurance

Companies don’t always publicize every available discount in a way that’s easy to find, so we took the time to find some of the more common and the more hidden ways to save on insurance.

  • No Accidents – Drivers who don’t have accidents can save substantially compared to frequent claim filers.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Accord insurance depending on your company.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 15% off your medical payments premium.
  • Homeowners Pay Less – Being a homeowner can save you money because owning a home requires personal responsibility.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Accord insurance than less cautious drivers.
  • Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% on Accord insurance.

It’s important to note that many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous.

Recommended Companies for the Best Insurance Rates

Searching Companies

Companies that may offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. Discounts may not apply in your area.

Comprehensive Insurance Comparison

Most companies such as State Farm and Allstate provide coverage prices directly from their websites. Obtaining pricing is fairly straightforward as you just type in the amount of coverage you want into the quote form. Upon sending the form, the company’s rating system obtains reports for credit and driving violations and quotes a price determined by many factors.

Being able to quote online makes it a lot easier to compare rates but the time required to go to different websites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to do this in order to find better insurance pricing.

An easier way to compare rates uses one form that analyzes rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the pricing results. If you find a better price you can simply submit the application and purchase coverage. The whole process only takes a few minutes and may result in a nice savings.

To compare rates now, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you input the limits and deductibles identical to your current policy. This makes sure you will receive comparison quotes using the exact same coverages.

Factors that can influence insurance rates for a Honda Accord

Smart consumers have a good feel for the different types of things that help determine your insurance coverage rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get big savings.

The following are a partial list of the pieces used by your company to calculate your rates.

  • How credit affects insurance coverage rates – A driver’s credit rating is a important factor in calculating your insurance coverage rates. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower ratings. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your 1999 Honda Accord by improving your rating.
  • Younger drivers pay higher rates – Young drivers have a tendency to be less responsible when behind the wheel so insurance coverage rates are higher. Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you if you are found liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Too many insurance coverage claims drive up costs – Car insurance companies give discounts to people who do not rely on their insurance for small claims. If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Having a spouse can save you money – Having a spouse can actually save you money on your policy. Having a spouse is viewed as being more mature and responsible and it’s statistically proven that drivers who are married are more cautious.
  • High deductibles save money – Physical damage deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be running into the backend of another car, vandalism, and burglary. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive on Accord insurance.

Tailor your coverage to you

When buying the best insurance coverage coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • How many claims can I have before being canceled?
  • Are rock chip repairs covered?
  • How much liability insurance is required?
  • Is business equipment covered while in my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Is extra glass coverage worth it?
  • Is rental equipment covered for theft or damage?
  • Should I buy full coverage?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Are you falling for claims of savings?

Auto insurance companies such as State Farm and Allstate continually stream ads on television and other media. They all seem to say the same thing of big savings after switching to them. How does each company make the same claim?

All companies are able to cherry pick for the type of driver they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, is a homeowner, and has excellent credit. A customer that hits that “sweet spot” will qualify for the lowest rates and most likely will save when switching.

Drivers who don’t measure up to this ideal profile will be charged higher rates and ends up with business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently advertise the savings. That is why drivers should get as many quotes as possible. Because you never know which auto insurance company will have the lowest Honda Accord insurance rates.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as structural damage, funeral expenses, medical services, pain and suffering and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

Collision insurance pays for damage to your Accord from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, rehabilitation expenses, funeral costs, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Honda Accord.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Save for a rainy day

In this article, we covered a lot of techniques to shop for 1999 Honda Accord insurance online. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.

Drivers switch companies for many reasons like not issuing a premium refund, poor customer service, an unsatisfactory settlement offer or even high prices. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

When you buy insurance online, do not skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability limits or collision coverage and learned later that it was a big mistake. Your goal should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Much more information about auto insurance can be found on the following sites:

Find the Cheapest Quotes in Your Area

Get multiple rate quotes instantly and find your cheapest rate

Rates by U.S. City

1999 Honda Accord Insurance Rates by City
New York City, NY$1,362
Los Angeles, CA$1,470
Philadelphia, PA$1,148
Jacksonville, FL$1,248
Phoenix, AZ$1,002
Chicago, IL$1,152
Houston, TX$1,344
Seattle, WA$837
Columbus, OH$721
Indianapolis, IN$730

Find companies with the cheapest rates in your area

Need a specific model?

Choose your model and trim below

Rates by Driver Age

1999 Honda Accord Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

1999 Honda Accord Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$993
300 CSL$1,236
500 CSL$1,413

Full coverage, driver age 40

Rates for High Risk Drivers

1999 Honda Accord Insurance Rates for High Risk Drivers

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $113

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

5-yr Accident Free$49
5-yr Claim Free$53
Paid in Full/EFT$28
Advance Quote$36
Online Quote$56
Total Discounts$327
Rate after discounts $533

Discounts are estimated and may not be available from every company or in every state.

You May Also Enjoy These Articles