Who Has Cheap Insurance for a Honda Accord in Kansas?
Enter your Kansas zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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We always joke that when we write about auto insurance, the word affordable should not appear anywhere in the article as a descriptor for car insurance rates. Forgive the oxymoron, but cheap car insurance for a Honda Accord does not exist. But don’t let us ruin your dream, because we are going to show you some ways you can still find insurance that is cheaper than what you are paying now.
The odds of finding the best cheap coverage for a Honda Accord in Kansas hinges on a lot of things like whether you own a home, your geographic location, and citations or violations on your driving record. Drivers on average pay around $720 per year to buy insurance for a Honda Accord, but that rate is an estimate that uses rate data for a 40-year-old married male that wants full comprehensive and collision coverage and $500 deductibles.
There is a high probability that you are not 40 years old and maybe not even male, single instead of married, or maybe you have a speeding ticket or two that will increase rates. Every driver’s needs are different, and that is why the only real way to find cheap auto insurance rates for your Honda is to do a thorough rate comparison. Rate quotes are easy and you will receive prices from the cheapest companies in Kansas.
The specific trim level impacts the yearly cost, so the rate you pay to insure a Accord LX 4-Dr Sedan will be $254 lower than the insurance cost for the high end Accord EX-L 2-Dr Coupe trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$142||$228||$250||$14||$76||$710||$59|
|Accord EX 4-Dr Sedan||$142||$228||$250||$14||$76||$710||$59|
|Accord LX-P 4-Dr Sedan||$142||$228||$250||$14||$76||$710||$59|
|Accord EX-L 4-Dr Sedan||$164||$276||$250||$14||$76||$780||$65|
|Accord EX 2-Dr Coupe||$164||$326||$334||$20||$100||$944||$79|
|Accord LX-S 2-Dr Coupe||$164||$326||$334||$20||$100||$944||$79|
|Accord EX-L 2-Dr Coupe||$184||$326||$334||$20||$100||$964||$80|
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium amounts do not factor in garaging location in Kansas which can raise or lower premiums considerably.
Determining which company quotes the best car insurance rates for a Honda Accord will require a bit more work in order to find coverage that fits your budget. Every auto insurer has a unique approach for determining prices, so let’s look at the rankings for the lowest cost car insurance companies in Kansas.
It’s a good idea to know that Kansas car insurance rates are calculated based on many things that control the price of your policy. Improving your credit score, adding a teenager to your policy, or getting a couple of tickets can produce rate changes that can cause some rates to be more affordable than others.
|Rank||Company||Cost Per Year|
|7||Farm Bureau Mutual||$1,163|
|16||National Farmers Union||$1,533|
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USAA may have some of the lowest car insurance rates in Kansas at around $743 each year. The Hartford, Auto-Owners, Allied, and Travelers also qualify as some of the most economical Kansas auto insurance companies.
In the rate table above, if you currently have a policy with Allied and switched to The Hartford, you might realize annual savings of in the vicinity of $215. Drivers with Travelers might save as much as $234 a year, and Farmers policyholders might lower prices by $290 a year.
Bear in mind that those policy rates are averaged across all types of insureds and vehicles and and are not figured with a specific rating modification for a Honda Accord. So the car insurance company that fits your needs best may not even be featured in the list of companies shown earlier. That is why you need to compare prices as often as possible using your own driver and vehicle profiles.
Enter your zip code below to view companies that have cheap auto insurance rates.
Liability only or full coverage
Finding cheap insurance for a Honda Accord in Kansas is important to most drivers, and one of the fastest ways to lower the cost of insurance is to only buy liability coverage. The chart below illustrates the comparison of car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Kansas. The premium estimates are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no additional discounts are factored in.
If we average the cost for all age groups, full coverage on your policy costs $1,509 per year over and above liability coverage. A very common question is if it’s a good idea to buy full coverage. There isn’t a steadfast formula to drop physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s pretend your vehicle’s replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying your policy deductible. If you are currently paying more than $500 annually for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Discount Kansas auto insurance rates
Car insurance companies that offer cheap insurance for a Honda Accord in Kansas may provide price discounts that could potentially reduce rates by as much as 35% if you can meet the requirements. A list of car insurance companies and a partial list of their discounts can be read below.
|Discount||Allstate||Progressive||State Farm||Geico||Liberty Mutual|
|Defensive driving course||Yes||Yes||Yes||Yes||No|
|Own a home||No||Yes||No||No||No|
|Seat belt use||No||No||No||Yes||No|
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The chart below shows the difference between car insurance rates with and without discounts applied to the rates. The premium estimates are based on a female driver, no claims or driving violations, Kansas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with vehicle safety, safe-driver, claim-free, accident-free, anti-theft, and multiple policy discounts applied. When these discounts are applied to the policy premium, the amount saved on car insurance for a Honda Accord is 32% or $455.
Who is cheaper: Allstate, State Farm, Geico, or Progressive?
When shopping around for auto insurance, four of the best places to start are Allstate, State Farm, Geico, and Progressive. All four offer physical damage and liability coverage, but each has unique features and discounts that shoppers can select from. The next table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that are available from each company.
|Number of Discounts||1st||3rd||2nd||4th|
|Handling of Claims||1st||2nd||3rd||4th|
|Market share percentage||10%||18.3%||11.4%||8.8%|
|A.M. Best financial rating||A+||A++||A++||A+|
|Accident forgiveness coverage||Yes||No||Yes||Yes|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|New car replacement coverage||Yes||No||No||No|
|Available in Kansas||Yes||Yes||Yes||Yes|
|Where to buy||Allstate exclusive agents||Only from State Farm agents||Both online and from Geico agents||Indpendent agents or online|
|Number of agents||11,000+||18,000+||150+||30,000+|
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