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  4. 2005 Model Year

2005 Honda Accord Insurance Rates

Average insurance rates for a 2005 Honda Accord are $974 a year with full coverage. Comprehensive costs approximately $150 a year, collision costs $218, and liability costs around $454. Buying a liability-only policy costs as low as $500 a year, with high-risk insurance costing around $2,100. Teenage drivers receive the highest rates at $3,936 a year or more.

Annual premium for full coverage: $974

Rate estimates for 2005 Honda Accord Insurance

Comprehensive $150
Collision $218
Liability $454

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 the average driver, prices range go from as low as $500 for only liability insurance to a high of $2,100 for a driver that may need high-risk insurance.

Liability Only $500
Full Coverage $974
High Risk $2,100

View Chart as Image

2005 Honda Accord insurance rates compared
Column chart showing 2005 Honda Accord insurance prices range from $589 to $3,936 for full coverage

These differences demonstrate why it is important for drivers to compare prices using their specific location and risk profile, instead of using average rates.

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.

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Recommended Companies for Cheap 2005 Honda Accord Insurance

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Want cheaper insurance coverage rates for your Honda Accord? People not familiar with buying insurance online will find purchasing the cheapest insurance coverage quite challenging.

The purpose of this article is to help educate you on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Although vehicle owners need to have an understanding of the methods companies use to price online insurance and apply this information to your search.

Pay less for 2005 Honda Accord insurance

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Most are applied when you complete an application, but some must be asked for before being credited.

  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Good Student Discount – Performing well in school can save 20 to 25%. This discount can apply up to age 25.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Life Insurance Discount – Larger companies have a discount if you purchase auto and life insurance together.

A little note about advertised discounts, most discount credits are not given the whole policy. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you won’t be that lucky. Any amount of discount will reduce the cost of coverage.

Recommended Companies for the Best Insurance Rates

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A partial list of companies who might offer some of the above discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts may not apply in your area.

The method we recommend to compare car insurance rates is to realize almost all companies will pay a fee to provide you with a free rate quote. To begin a comparison, all you need to do is provide a little information such as if you are currently licensed, whether you are married, daily mileage, and whether you have decent credit. That information is instantly submitted to all major companies and you receive quotes with very little delay.

To check rates for your Honda Accord , click here and find out if lower rates are available.

Honda Accord rates influenced by many factors

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for auto insurance. Understanding what determines base rates enables informed choices that can help you get better auto insurance rates.

Listed below are a partial list of the pieces auto insurance companies consider when setting your rates.

  • More miles equals more premium – The more miles you rack up on your Honda in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage qualify for better rates compared to those used for work or business. Improper usage on your Accord can result in significantly higher rates. Verify your auto insurance policy properly reflects how each vehicle is driven.
  • Do you qualify for a multi-policy discount? – Most insurers will give a discount to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Your location affects your rates – Being located in a small town can be a good thing when insuring your vehicles. Less people living in that area means a lower chance of having an accident. Drivers who live in large cities regularly have much more traffic to deal with and much longer commute distances. Higher commute times means higher likelihood of an accident.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Do I benefit by insuring my home with the same company?
  • Does liability extend to a camper or trailer?
  • Why am I required to buy liability insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered when delivering products for my home-based business?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form.

Misconceptions in insurance advertisements

Insurance companies such as GEICO, State Farm and Progressive continually stream ads on television and other media. They all seem to make the same claim about savings after switching to them. But how can every company say the same thing? This is how they do it.

All companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a preferred risk could be a mature driver, a clean driving record, and drives newer vehicles. Any new insured that hits that “sweet spot” is entitled to the best price and most likely will save when they switch companies.

Potential insureds who are not a match for the “perfect” profile will be charged more money which leads to the customer not buying. The ads say “people who switch” not “everyone that quotes” save that much. That’s why insurance companies can confidently claim big savings.

That is why you should get as many comparisons as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Auto insurance coverages

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, crashing into a ditch, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from flooding and hitting a bird. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Accord.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical services, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as X-ray expenses, dental work, prosthetic devices, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

More choices the merrier

You just read some good ideas how you can compare 2005 Honda Accord insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. You may even find the lowest rates come from the smaller companies.

As you shop your coverage around, you should never skimp on coverage in order to save money. There have been many cases where an insured dropped uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, policy cancellation, policy non-renewal or not issuing a premium refund. No matter why you want to switch, choosing a new company is not as hard as you think.

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Rates by U.S. City

2005 Honda Accord Insurance Rates by City
CityPremium
New York City, NY$1,899
Los Angeles, CA$1,638
Philadelphia, PA$1,532
Jacksonville, FL$1,524
Phoenix, AZ$1,369
Chicago, IL$1,300
Houston, TX$1,217
Seattle, WA$1,079
Columbus, OH$830
Indianapolis, IN$784

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Rates by Driver Age

2005 Honda Accord Insurance Rates by Driver Age
Driver AgePremium
16$3,936
20$2,234
30$988
40$974
50$892
60$874

Full coverage, $500 deductibles

Rates by Deductible

2005 Honda Accord Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,134
$250$1,062
$500$974
$1,000$890

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$974
50/100$1,065
100/300$1,178
250/500$1,473
100 CSL$1,110
300 CSL$1,360
500 CSL$1,542

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Honda Accord Insurance Rates for High Risk Drivers
AgePremium
16$5,544
20$3,562
30$2,116
40$2,100
50$2,008
60$1,986

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 $132

Potential Rate Discounts

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

DiscountSavings
Multi-policy$49
Multi-vehicle$53
Homeowner$17
5-yr Accident Free$60
5-yr Claim Free$61
Paid in Full/EFT$36
Advance Quote$43
Online Quote$66
Total Discounts$385
Rate after discounts $589

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

2005 Honda Accord Insurance Rates by State
StatePremium
Alabama$934
Alaska$798
Arizona$978
Arkansas$984
California$1,092
Colorado$1,010
Connecticut$1,272
Delaware$1,182
Florida$1,314
Georgia$966
Hawaii$1,050
Idaho$676
Illinois$722
Indiana$694
Iowa$732
Kansas$892
Kentucky$1,260
Louisiana$1,576
Maine$666
Maryland$1,000
Massachusetts$856
Michigan$1,790
Minnesota$854
Mississippi$952
Missouri$830
Montana$880
Nebraska$802
Nevada$1,254
New Hampshire$794
New Jersey$968
New Mexico$902
New York$1,266
North Carolina$690
North Dakota$946
Ohio$686
Oklahoma$1,182
Oregon$912
Pennsylvania$1,094
Rhode Island$1,178
South Carolina$904
South Dakota$762
Tennessee$876
Texas$936
Utah$860
Vermont$692
Virginia$698
Washington$856
West Virginia$992
Wisconsin$992
Wyoming$1,074

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