2015 Honda Accord Insurance Rates
Average insurance rates for a 2015 Honda Accord are $1,274 a year with full coverage. Comprehensive insurance costs approximately $240, collision insurance costs $446, and liability coverage costs around $430. Buying a liability-only policy costs as low as $486 a year, and high-risk insurance costs $2,762 or more. Teen drivers receive the highest rates at up to $4,886 a year.
Annual premium for full coverage: $1,274
Rate estimates for 2015 Honda Accord Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 40-year-old driver, prices range range from as low as $486 for a discount liability-only rate to a much higher rate of $2,762 for high-risk insurance.
These differences demonstrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using price averages.
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Recommended Companies for Cheap 2015 Honda Accord Insurance
Searching for better car insurance rates for your Honda Accord? Finding the lowest cost car insurance online can be challenging for consumers not familiar with online price comaprisons. When there are so many online companies, how can consumers even start to compare every company to locate the best pricing?
Consumers need to shop coverage around quite often because insurance rates trend upward over time. Even if you think you had the lowest price for Accord insurance two years ago other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to quote online to lower your rates without sacrificing coverage.
Shopping for affordable protection is quite easy. Just about everyone who shops for insurance should be able to reduce their rates. But vehicle owners should learn how the larger insurance companies sell online and use this information to your advantage.
Car Insurance Prices Online
When shopping for car insurance there are multiple ways of comparing rate quotes from car insurance companies in your area. The recommended way to find the lowest 2015 Honda Accord rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.
Recommended Companies for the Best Insurance Rates
One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate quote forms for each company you want a rate for. In just a few minutes this one form gets you price quotes instantly. It’s definitely the quickest method.
A different way to obtain and compare quotes online consists of going to the website of each company to complete a price quote. For instance, we’ll assume you want comparison quotes from State Farm, 21st Century and GEICO. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. To view a list of companies in your area, click here.
It doesn’t matter which method you choose, just be sure to compare exactly the same coverage limits and deductibles on every quote. If you enter unequal deductibles or liability limits it will be very difficult to find the best deal for your Honda Accord. Slightly different coverages can result in a big premium difference. And when price shopping your coverage, more quotes provides better odds of finding the best price.
Lots of discounts mean lots of savings
Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be asked about prior to getting the savings.
- Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
- Driver’s Ed – Have your child successfully complete driver’s ed class in school.
- Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Accord insurance than their less cautious counterparts.
- Low Mileage – Driving fewer miles could qualify for discounted rates on garaged vehicles.
- Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Accord insurance with select insurance companies.
- Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- Auto/Home Discount – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
It’s important to understand that some of the credits will not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down the cost of coverage.
A partial list of companies that may have these discounts may include but are not limited to:
It’s a good idea to ask every prospective company which discounts you may be entitled to. Some discounts may not apply in every state.
Situations that might require an agent
When it comes to buying the best insurance coverage coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.
Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.
- Do I get a pro-rated refund if I cancel my policy early?
- Should I buy full coverage?
- Is rental equipment covered for theft or damage?
- Am I covered if I hit a deer?
- Which is better, split liability limits or combined limits?
- What is UM/UIM insurance?
- Does coverage extend to Mexico or Canada?
- How do I insure my teen driver?
- What is the ISO rating for a 2015 Honda Accord?
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form.
Car insurance coverages explained
Having a good grasp of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.
Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as hitting a deer, hail damage and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses for things like chiropractic care, prosthetic devices, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage 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. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Auto liability – Liability insurance can cover damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like pain and suffering, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.
Collision coverages – Collision insurance will pay to fix damage to your Accord caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like driving through your garage door, colliding with a tree, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,013|
|Los Angeles, CA||$2,175|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$91|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$56|
Discounts are estimated and may not be available from every company or in every state.