Finding affordable auto insurance for a Honda Accord in California is dependent upon a lot of different factors such as whether you are male or female, the size of your vehicle, and citations on your driving record. California drivers pay approximately $897 per year to insure their Accord, but that is an estimation calculated using a 50-year-old married male driver with full coverage and $1,000 deductibles.
Odds are that you may not be 50 years old (or even male), possibly single instead of married, or maybe your Accord is old enough that it doesn’t require full coverage. Having what appears to be a very minor change in the rating criteria used to formulate rates can make a large difference in the price of a policy.
Insurance is an individual thing, so the way we recommend to find the cheapest rates for your Honda is to compare as many rates as possible. It takes less than five minutes and you can get rates from the best auto insurance companies that sell coverage in California.
View Honda Accord Insurance Rates
Your vehicle’s trim level tends to impact the cost of insurance, so the rate you will pay to insure a Accord LX 4-Dr Sedan model will be $314 less than the insurance cost for the more well-appointed Accord EX-L 2-Dr Coupe trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $144 | $252 | $360 | $22 | $108 | $886 | $74 |
| Accord EX 4-Dr Sedan | $144 | $252 | $360 | $22 | $108 | $886 | $74 |
| Accord LX-P 4-Dr Sedan | $144 | $252 | $360 | $22 | $108 | $886 | $74 |
| Accord EX-L 4-Dr Sedan | $164 | $308 | $360 | $22 | $108 | $962 | $80 |
| Accord EX 2-Dr Coupe | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Accord LX-S 2-Dr Coupe | $164 | $362 | $480 | $28 | $144 | $1,178 | $98 |
| Accord EX-L 2-Dr Coupe | $186 | $362 | $480 | $28 | $144 | $1,200 | $100 |
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in specific garaging location which can increase or decrease prices noticeably.
Ending up with the right auto insurance provider can be rather challenging considering how many companies there are in California. The information shown next may help you decide which companies you want to consider when looking for cheaper rates. These rankings include companies with a nationwide focus, so companies that have a smaller presence are not factored into the list.
Top 10 Large Auto Insurance Companies in Fresno Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Large Auto Insurance Companies in Fresno Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
The diagram below shows how choosing a deductible can increase or decrease insurance costs when searching for cheap insurance for a Honda Accord. The premiums are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could lower their policy premium by $420 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $632 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, can cut as much as $1,068 annually by using higher deductibles when buying full coverage.
When raising deductibles, it is important to have spare funds to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Why you should compare rates
Fresno, CA auto insurance rates are influenced by many factors that will increase or decrease the price of your policy. Turning one year older, having a claim, or getting a speeding ticket may cause policy rate changes resulting in some companies being cheaper in comparison to the competition.
Additionally, insurers change their prices every year or even multiple times each year in order to protect their financial rating. Significantly higher claims can result in additional price hikes, while profitable underwriting may cause more affordable Accord insurance rates.
As an example, the chart below shows which company has the cheapest car insurance in Fresno, CA for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. When comparing rates based on his personal profile, USAA might offer the lowest car insurance rates in Fresno at $1,258 each year. This is $393 less than the average price paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide are the rest of the cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver in the first chart an accident surcharge, a little lower credit rating, and a traffic citation. Since each insurance company has a different process for setting rates, analyzing rates could result in a completely different list of affordable companies as shown below.
Grange now has the cheapest insurance rate in Fresno, CA with Progressive, Allstate, Allied, and Mercury now being in the top five. This illustrates why it is critical to compare rates when trying to find the lowest insurance rates for a Honda Accord. Auto insurance prices are determined by many things and change dramatically, so the cheapest option three years ago may now be quite expensive.
How to find low-cost insurance for a Honda Accord
The list below details many penny-pinching solutions that can help Fresno drivers get low-cost coverage.
- Do not pay for full coverage on older vehicles
- Raise your deductibles
- Pay cheaper rates with good credit scores
- Bundle car and home insurance and save money
- If possible, pay for small claims out-of-pocket
- Buy vehicles with good safety ratings
- Look for cheaper rates once a year by shopping around
That last idea is particularly necessary, as was emphasized in the prior information. Insurance rates in Fresno can be adjusted at any time, so you should be ready to buy from a new company if a lower-cost policy is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that devotion results in you overpaying a small fortune. If you have a few minutes, compare rates and find cheaper auto insurance for a Honda Accord.