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Cheap Insurance Quotes for a Honda Accord in California

When writing about car insurance, the words “affordable” or “cheap” shouldn’t be used as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap auto insurance for a Honda Accord may be a thing of the past. Don’t let that bother you, though, because we will show you how you can still get auto insurance that may not be cheap, but it is affordable.

Your odds of finding the best cheap car insurance for a Honda Accord in California is dependent upon a lot of rating criteria like annual miles driven, your geographic location, and any prior driving offenses. California drivers on average will pay $1,340 per year for Accord insurance, but that is an estimation calculated using a 30-year-old single male that has full coverage and $500 deductibles.

Chances are that rate is not what you would pay, because most likely you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you want different physical damage deductibles. What appears to be a small change in rating variables or coverage information can lead to a significant difference in the policy cost.

Not every driver requires the same auto insurance coverages, so the most reliable method for finding the cheapest coverage for your Honda is to put in the effort and compare rates. In just a couple of minutes you will get price quotes from top-rated car insurance companies that insure vehicles in California.

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Your Honda’s trim level can impact the coverage cost, so the price to insure a Accord LX 4-Dr Sedan trim level will cost $464 less than the price to insure the higher-end Accord EX-L 2-Dr Coupe model, as shown below.

Honda Accord Insurance Rates in California
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Accord LX 4-Dr Sedan$276$382$492$30$148$1,328$111
Accord EX 4-Dr Sedan$276$382$492$30$148$1,328$111
Accord LX-P 4-Dr Sedan$276$382$492$30$148$1,328$111
Accord EX-L 4-Dr Sedan$316$464$492$30$148$1,450$121
Accord EX 2-Dr Coupe$316$546$654$38$196$1,750$146
Accord LX-S 2-Dr Coupe$316$546$654$38$196$1,750$146
Accord EX-L 2-Dr Coupe$358$546$654$38$196$1,792$149
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can impact price quotes noticeably.

Finding a highly-rated car insurance company can be difficult considering how many companies sell coverage in California. The company ratings shown next can help you decide which companies to look at comparing prices from.

These rankings are only made up of companies with a national presence, so companies that only write business in California or surrounding areas are not included in these rankings. To compare prices from these top-rated insurers and more, follow this link.

Top 10 Major Auto Insurance Companies in California Ranked by Customer Service

  1. AAA of Southern California
  2. State Farm
  3. GEICO
  4. The Hartford
  5. Mercury Insurance
  6. Progressive
  7. The General
  8. Allstate
  9. American Family
  10. AAA Insurance

Top 10 Major Auto Insurance Companies Overall in California

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Top Companies for Honda Accord Insurance in California

Impact of careless driving on insurance rates

The best way to obtain cheap insurance for a Honda Accord in California is to drive safe and not have accidents or get tickets. The information below demonstrates how traffic citations and at-fault accidents raise insurance costs for each different age group. The premiums are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.

In the chart above, the average cost of auto insurance per year with no accidents or violations is $2,075. Get written up for two speeding tickets and the average cost hikes up to $2,743, an increase of $668 each year. Now include two accidents along with the two speeding tickets and the annual cost of insurance for a Honda Accord goes up to an average of $5,349. That’s an increase of $3,273, or $273 per month, just for not maintaining a clean driving record!

Should you buy full coverage?

Finding cheap insurance for a Honda Accord in California is the goal of the majority of vehicle owners, and one easy way to find cheaper insurance is to buy only liability coverage. The chart below illustrates the difference between annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, physical damage coverage on your policy costs $2,075 per year over and above liability only. That touches on the question if physical damage coverage is worth the money. There is no clear-cut formula that is best for determining when to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $8,000 after the policy deductible has been paid. If it’s costing you more than $800 a year for full coverage, then it might be time to consider dropping full coverage.

Cheapest car insurance: State Farm, Geico, Allstate, or Progressive

When comparing insurance for an Accord in California, some of the first companies to look at are State Farm, Geico, Allstate, and Progressive. If you add them together, they insure almost 50% of all auto insurance written. The following table compares pricing and service ratings, as well as optional policy coverages shoppers can expect to find with each one.

Comparison of Top Four U.S. Auto Insurance Companies
State FarmGeicoAllstateProgressive
Claims Handling2nd3rd1st4th
Price Ranking2nd1st4th3rd
Policy Discounts3rd2nd1st4th
Customer Satisfaction4th1st2nd3rd
Percent of U.S. market18.3%11.9%9.7%9.1%
Customer recommendation88%87%86%88%
Rating from A.M. BestA++A++A+A+
New car replacement insuranceNoNoYesNo
Rate for vehicle usageYesNoYesYes
Breakdown insuranceNoYesNoYes
Rideshare coverageYesYesYesYes
Accident forgiveness coverageNoYesYesYes
Roadside serviceYesYesYesYes
Insure in CaliforniaYesYesYesYes
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How to get cheap insurance for a Honda Accord in California

It is possible to find better rates, and here are many penny-pinching solutions that can help California drivers buy more affordable car insurance.

  • Vehicles with safetly features generally cost less to insure
  • Maintain a clean driving record
  • Raise deductibles to save money
  • Clean up your credit rating
  • Being accident-free can lower rates significantly
  • Compare price quotes at least once a year

The last tip in the list is highly critical, as was noted in the prior article. Insurance prices can change considerably based on profitability, so drivers shouldn’t hesitate to change insurance companies if you find a better deal. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that inflexibility results in costing you big bucks every year. Take a couple minutes and compare rates to find cheaper car insurance for a Honda Accord.

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