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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.

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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.

Honda Accord Insurance Rates in Pennsylvania
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly 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

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Who has the cheapest car insurance in Pennsylvania?
RankCompanyCost Per Year
1General Casualty$718
2Travelers$787
3USAA$793
4Erie$824
5Penn National$832
6Amica$982
7Auto-Owners$993
8Atlantic States$1,047
9Donegal Mutual$1,102
10GEICO$1,123
11Allied$1,144
12California Casualty$1,186
13State Farm$1,198
14State Auto$1,279
15Encompass$1,357
16Mutual Benefit Group$1,397
17Harleysville$1,438
18Progressive$1,457
19Nationwide$1,491
20Chubb$1,551
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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

Discounts on auto insurance for a Honda AccordAuto 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.

Car Insurance Discounts for Popular Insurance Companies
DiscountState FarmGeicoAllstateProgressiveLiberty MutualNationwideFarmers
Bundled policiesYesYesYesYesYesYesYes
Multiple vehiclesYesYesNoYesYesYesYes
Theft preventionYesYesYesYesYesYesYes
Safe vehicleYesYesYesNoYesNoNo
Air bagsYesYesYesNoYesYesYes
Running lightsYesYesNoNoNoNoYes
New carYesNoYesNoNoYesYes
No accidentsYesYesYesYesNoYesYes
Defensive driving courseYesYesYesYesNoYesYes
MilitaryYesYesNoYesNoNoYes
Professional affiliationNoYesNoNoYesYesYes
Full paymentNoYesYesYesYesYesYes
Email statementsNoYesYesYesYesYesYes
Brand loyaltyYesNoNoYesNoYesYes
Good studentYesYesYesYesYesYesYes
Student at collegeYesNoYesYesYesYesYes
Own your homeNoNoNoYesNoNoYes
Seat belt usageNoYesNoNoNoNoNo
Get quote onlineNoNoNoYesNoNoNo
Teen driverNoNoNoYesYesNoNo
Federal employeeNoYesNoNoNoNoNo
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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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