How Much Does Insurance Cost for a Honda Accord in Pennsylvania?
We always joke that when we write about car insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere to describe car insurance prices. Be that as it may, cheap car insurance for a Honda Accord is not always easy to find. But don’t despair, because we are going to show you how you can quote auto insurance that is cheaper than your current policy.
Your ability to find affordable auto insurance for a Honda Accord in Pennsylvania depends on a lot of rating criteria such as annual vehicle mileage, your geographic location, and the deductible amount you use. Drivers in Pennsylvania will pay on average $1,230 per year to insure their Accord, but that amount is an approximation using cost data for a 40-year-old single female driver that purchased full physical damage coverage and $100 physical damage deductibles.
There’s a good chance you are not 40 years old and maybe not even female, maybe you are married instead of single, or maybe you prefer higher deductibles. Insurance is an individual thing, so the best method for finding cheap car insurance rates for your Honda is to do the rate comparisons yourself.
The trim level of your vehicle tends to have a direct impact on the annual cost of coverage, so the price you pay to insure a Accord LX 4-Dr Sedan trim level will be $438 less expensive the price to insure the high end Accord EX-L 2-Dr Coupe version, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$236||$476||$364||$22||$108||$1,206||$101|
|Accord EX 4-Dr Sedan||$236||$476||$364||$22||$108||$1,206||$101|
|Accord LX-P 4-Dr Sedan||$236||$476||$364||$22||$108||$1,206||$101|
|Accord EX-L 4-Dr Sedan||$272||$578||$364||$22||$108||$1,344||$112|
|Accord EX 2-Dr Coupe||$272||$682||$484||$28||$144||$1,610||$134|
|Accord LX-S 2-Dr Coupe||$272||$682||$484||$28||$144||$1,610||$134|
|Accord EX-L 2-Dr Coupe||$306||$682||$484||$28||$144||$1,644||$137|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific location which can impact auto insurance rates substantially.
Finding decent, cheap auto insurance is easier said than done, and figuring out which company has the most affordable auto insurance rates for a Honda Accord will require a little more work. Each insurance company has a different process to determine premium rates, so to begin we’ll rank the lowest cost auto insurance companies in Pennsylvania.
Keep in mind that Pennsylvania auto insurance rates are impacted by many factors that control the price of your policy. This price variation is why consumers need to take the time to compare lots of rates when trying to get the most budget-friendly auto insurance rates for a Honda Accord. Insurance prices are impacted by many things and can decrease or increase without notice, so the lowest-price company three years ago may now cost much more than other companies.
Best Auto Insurance Prices for Your Accord
|Rank||Company||Cost Per Year|
|16||Mutual Benefit Group||$1,397|
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General Casualty generally has some of the lowest car insurance rates in Pennsylvania at around $718 each year. Travelers, USAA, Erie, and Penn National also rank well as some of the cheapest Pennsylvania car insurance companies.
In this example, if you buy coverage from Penn National and switched to Travelers, you may realize an annual premium reduction of about $45. Customers with Amica could save as much as $195 a year, and Auto-Owners customers might cut rates by $206 a year.
Understand that those rates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Honda Accord. So the insurer that is best for you may not even be in the chart above. That points out the importance of why you need to get quotes using your own specific driver and vehicle information.
Discounts on Pennsylvania car insurance rates
Auto insurance companies that provide cheap insurance for a Honda Accord in Pennsylvania may have price discounts that could lower prices by 40% or more if you qualify. Larger auto insurance companies and some of their more popular discounts can be found below.
|Discount||State Farm||Geico||Allstate||Progressive||Liberty Mutual||Nationwide||Farmers|
|Defensive driving course||Yes||Yes||Yes||Yes||No||Yes||Yes|
|Student at college||Yes||No||Yes||Yes||Yes||Yes||Yes|
|Own your home||No||No||No||Yes||No||No||Yes|
|Seat belt usage||No||Yes||No||No||No||No||No|
|Get quote online||No||No||No||Yes||No||No||No|
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The illustration below shows the difference between insurance prices with and without discounts applied to the policy premium. The data is based on a male driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with claim-free, passive restraint, defensive driving course, vehicle safety, marriage, and accident-free discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Honda Accord is % or $.
Impact of citations and accidents on insurance rates
The ideal way to maintain good auto insurance rates for an Accord is to drive safely and not receive tickets or have accidents. The example below highlights how traffic violations and at-fault claims can increase insurance costs for different insured age categories. The data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,624. Factor in one speeding ticket and the average cost rises to $1,885, an increase of $261 each year. Now add in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Honda Accord increases to an average of $4,028. That’s an increase of $2,405, or $200 per month, just for not being more responsible behind the wheel!
Tips for buying economical car insurance for a Honda Accord
The list below summarizes a few thrifty ideas that can help drivers buy cheap coverage.
- Do not get traffic violations
- Too many claims can make car insurance unaffordable
- Increase deductibles to save money
- Do not pay for full coverage on older vehicles
- At-fault accidents can raise rates significantly
- Compare rates regularly to ensure the best deal
That final tip is notably crucial, as was pointed out in the article above. Insurance rates in Pennsylvania change a lot, so drivers shouldn’t hesitate to switch to a new company if a better deal can be had. Having a favorite company is great, but it isn’t a good idea if that inflexibility results in costing you a lot of money. Take a few minutes and compare prices and find cheaper insurance for a Honda Accord.
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