Finding the best cheap insurance for a Honda Accord can be pretty simple, but it relies on a large number of rating criteria such as whether you are a homeower, if you have prior claims, and violations on your driving record. Arizona drivers will pay around $806 annually to insure their Accord, but that price is based upon a 30-year-old single male driver with full coverage and $1,000 deductibles.
There’s a high likelihood you aren’t exactly 30 years old or even a male, possibly married instead of single, and maybe your Accord just needs liability-only coverage. Just a very minor change in the rating criteria used to formulate rates may result in a big change in rates.
Each driver’s needs are different, and that demonstrates why the best way to find cheap insurance prices for your Honda is to do the rate comparisons yourself. Get your free quotes now and you can get prices from some of the cheapest companies that sell coverage in Arizona.
The trim level of your vehicle can impact the annual cost of coverage, so the price you will pay to insure a Accord LX 4-Dr Sedan trim level will be $278 lower than the insurance cost for the higher-end Accord EX-L 2-Dr Coupe model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $142 | $202 | $334 | $20 | $100 | $798 | $67 |
| Accord EX 4-Dr Sedan | $142 | $202 | $334 | $20 | $100 | $798 | $67 |
| Accord LX-P 4-Dr Sedan | $142 | $202 | $334 | $20 | $100 | $798 | $67 |
| Accord EX-L 4-Dr Sedan | $164 | $246 | $334 | $20 | $100 | $864 | $72 |
| Accord EX 2-Dr Coupe | $164 | $290 | $444 | $26 | $132 | $1,056 | $88 |
| Accord LX-S 2-Dr Coupe | $164 | $290 | $444 | $26 | $132 | $1,056 | $88 |
| Accord EX-L 2-Dr Coupe | $184 | $290 | $444 | $26 | $132 | $1,076 | $90 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in vehicle location which can revise auto insurance rates greatly.
Best car insurance company in Chandler
Buying coverage from the best company can be rather challenging considering how many companies are available to choose from in Arizona. The company ratings shown below could help you analyze which providers to look at when shopping car insurance rates for a Honda Accord.
The ratings below are for major nationwide insurance companies, so smaller companies are not taken into consideration for this list. To compare prices and find the cheapest rates for a Honda Accord, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Chandler auto insurance
Insurance providers that offer quotes for a Honda Accord may also give you special discounts that can reduce rates by 30% or more if you meet specific eligibility requirements. Larger car insurance companies and their offered discounts are included below.
- GEICO policyholders can earn discounts including seat belt use, federal employee, military active duty, air bags, daytime running lights, and anti-theft.
- Auto-Owners Insurance may include discounts for teen driver, group or association, company car, anti-theft, mature driver, multiple vehicles, and safe driver.
- American Family has savings for defensive driver, Steer into Savings, TimeAway discount, early bird, and accident-free.
- Esurance discounts include online quote, emergency road assistance, paid-in-full, homeowner, anti-theft, anti-lock brakes, and online shopper.
- Progressive may have discounts that include multi-vehicle, good student, homeowner, online quote discount, continuous coverage, and online signing.
- State Farm has discounts for good student, Drive Safe & Save, student away at school, driver’s education, and Steer Clear safe driver discount.
- AAA offers discounts including multi-policy, anti-theft, multi-car, pay-in-full, good student, and AAA membership discount.
The information below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. The data is based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with passive restraint, anti-theft, marriage, safe-driver, vehicle safety, and homeowner discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Honda Accord is 28% or $482.
The chart below illustrates how your choice of deductibles can increase or decrease insurance prices when trying to find cheap insurance for a Honda Accord. The data is based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 50-year-old driver could save $334 a year by increasing from a $100 deductible to a $500 deductible, or save $502 by using a $1,000 deductible. Young drivers, like the 20-year-old, could shave up to $1,114 or even more just by choosing larger deductibles.
When raising deductibles, it will be necessary to have enough funds in savings to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Are you paying too much for car insurance?
Chandler, AZ car insurance rates are based on many factors that may substantially change the price of your policy. Improving your credit rating, buying a home, or getting a ticket for careless driving can produce rate changes that can cause some rates to be more affordable than the competition. Not only may your situation change, but car insurance companies file new Arizona auto insurance rates every year in order to remain profitable. A period of higher than normal claims may result in additional premium costs, while a better claims history may result in more affordable Accord insurance rates.
As an example, the bar chart below analyzes the cheapest car insurance in Chandler, AZ for a 40-year-old female driver with no violations or accidents, and excellent credit. If we estimate prices based on her current rating profile, The Hartford may offer the most affordable car insurance rates in Chandler at $1,083 annually. This is $345 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the cheapest Chandler, AZ auto insurance companies.
In this example, we will give the driver from the first rate comparison a claim or two, a lower credit rating, and a traffic ticket or two. Because every insurance company has a different formula to determine rates, comparing quotes may result in a new list of the cheapest companies as shown below.
GEICO now has the best insurance rate in Chandler with Allied, CSAA, Ameriprise Group, and Safeco completing the list. This demonstrates why it is crucial to take the time to shop around when trying to find the lowest auto insurance rates for a Honda Accord. Auto insurance prices are determined by many risk factors and change substantially, so the best company the last time you checked may now be wasting a lot of money.
If you prefer to have a consultation when shopping for the best coverage for an Accord, the agents shown below can help you decide which car insurance policy is best.
To locate an agency using an interactive map, click the button at the bottom.
- Citywide Insurance, Inc.
369 S Arizona Ave – Chandler, AZ 85225 – (480) 821-3772 - Parrish Insurance
1256 W Chandler Blvd # G – Chandler, AZ 85224 – (480) 821-1005 - State Farm: Randy Eller
7050 W Chandler Blvd – Chandler, AZ 85226 – (480) 961-4884 - Farmers Insurance – Joe Baselice
5355 W Chandler Blvd #8 – Chandler, AZ 85226 – (480) 940-0909
View map of Chandler, AZ insurance agents
How to find budget-friendly insurance for a Honda Accord
Here are some of the recommended penny-pinching ideas that can help you buy cheap coverage.
- At-fault accidents will increase rates
- Increase the comprehensive and collision deductibles on your policy
- Improve your credit score
- Save money by obeying traffic laws and keeping a clean driving record
- Drive a car with a high safety rating
- Look for cheaper rates once a year by shopping around
The last idea is notably critical, as was stressed in this piece. Prices charged by auto insurers can change considerably in a year, so drivers shouldn’t hesitate to switch companies if a more affordable price is available. Being loyal to a particular company is commendable, but it’s not a good idea if that inflexibility results in costing you a considerable chunk of change every month. In just a couple of minutes you could compare prices to find cheaper car insurance for a Honda Accord in Chandler.