2019 Honda Accord Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Honda Accord are $1,290 a year with full coverage. Comprehensive costs around $256, collision insurance costs $478, and liability costs around $398. Buying a liability-only policy costs as low as $460 a year, and high-risk insurance costs around $2,796. Teen drivers receive the highest rates at up to $4,886 a year.
Annual premium for full coverage: $1,290
Rate estimates for 2019 Honda Accord Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 range from as low as $460 for only liability insurance to the much higher price of $2,796 for a driver that may need high-risk insurance.
These differences demonstrate why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on 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.
Recommended Companies for Cheap 2019 Honda Accord Insurance
Trying to find cheaper car insurance rates for your Honda Accord? There isn’t a single person who looks forward to paying for car insurance, especially when they are aware that they could get a better deal. People have many car insurance companies to insure vehicles with, and although it’s nice to be able to choose, more choices can make it harder to compare rates.
Compare insurance coverage rates
Most of the larger companies provide insurance quotes directly from their websites. Getting prices online can be done by anyone as you just type in your required coverages on the page. Upon sending the form, the quote system gets credit information and your driving record and returns a price based on the information you submitted. Being able to quote online makes it easy to compare insurance prices but the process of having to visit multiple sites and type in the same data is repetitive and time-consuming. But it’s very important to get many rate quotes if you want to find the best price on insurance coverage.
Quote rates the easy way
A less time-consuming method to get multiple rate quotes requires only one form that analyzes rates from multiple companies. This type of form saves time, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. Once the form is submitted, your coverage is rated with multiple companies and you can pick your choice of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the policy. It can be completed in a matter of minutes and you will know how your current rates stack up.
To quickly compare rates using this form now, simply enter your zip code here and input your coverage information. If you have a policy now, it’s recommended you complete the form with your coverages exactly as they are listed on your policy. This helps ensure you are getting a rate comparison for similar coverage.
Insurance coverage advertising gotchas
Consumers can’t escape the ads that claim the cheapest rates from companies such as Allstate, GEICO and Progressive. They all seem to make the promise about how much you will save just by moving your policy.
It sounds good, but how can they all offer drivers better rates? It’s all in the words they use.
Insurance companies have a certain “appetite” for the type of driver that will add to their bottom line. A good example of a desirable risk might have to be a female over age 40, insures multiple vehicles, and drives a vehicle with a low ISO rating. Any new insured who matches that profile receive the lowest rate quotes as well as pay quite a bit less when switching companies.
Potential insureds who do not meet these stringent criteria will see more expensive rates and ends up with the driver buying from a lower-cost company. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can state the savings. This really illustrates why drivers should get a wide range of price quotes. It’s just too difficult to predict which insurance coverage company will be your best fit.
Take advantage of every auto insurance discount
Companies don’t always publicize every disount available very well, so we break down both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.
- Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote on Accord insurance than drivers with accident claims.
- Professional Organizations – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on auto insurance.
- Senior Citizens – Drivers over the age of 55 may qualify for lower premium rates on Accord insurance.
- Renewal Discounts – Select insurance companies give a discount for signing up prior to the expiration date on your current policy. Ten percent is about the average savings.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy auto and life insurance together.
As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like comp or med pay. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will definitely reduce your policy premium.
To locate companies who offer free auto insurance quotes, enter your zip code here.
How to know if you need help
When buying proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight if you may require specific advice.
- How do I buy GAP insurance?
- Why am I required to buy liability insurance?
- Should I buy more coverage than the required minimum liability coverage?
- Am I covered when using my vehicle for business?
- What can I do if my company won’t pay a claim?
- Why do I need rental car insurance?
- What is an SR-22 filing?
- Should I buy full coverage?
- Can I afford low physical damage deductibles?
If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and you can get the answers you need.
Insurance coverages 101
Having a good grasp of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as ambulance fees, nursing services, rehabilitation expenses, EMT expenses and dental work. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as a tree branch falling on your vehicle, theft, hail damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2019 Honda Accord.
Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Auto liability – This can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.
Liability can pay for things such as emergency aid, bail bonds and pain and suffering. How much coverage you buy is up to you, but buy as high a limit as you can afford.
Collision – Collision coverage will pay to fix damage to your Accord resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like hitting a parking meter, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Coverage on a shoestring budget
Budget-friendly auto insurance is definitely available both online as well as from insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer internet price quotes and usually these small insurance companies prefer to sell through independent agencies.
When trying to cut insurance costs, do not reduce coverage to reduce premium. There have been many situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your goal should be to buy enough coverage for the lowest cost while not skimping on critical coverages.
For more information, feel free to browse the resources below:
Rates by U.S. City
|New York City, NY||$2,040|
|Los Angeles, CA||$2,205|
Need a specific model?
Choose your model and trim below
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||$94|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.