Honda Accord insurance policy image courtesy of QuoteInspector.com
Buying cheap car insurance for a Honda Accord in Pennsylvania is fairly easy, but it is dependent upon a complicated rating formula that uses factors such as whether you are male or female, if you are a frequent claim filer, and your policy deductibles. Pennsylvania drivers pay around $853 annually for Accord insurance, but that cost is an estimation calculated using a 30-year-old married female driver with full physical damage coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you are not 30 years old and maybe not even female, single instead of married, or maybe you just want liability only. Having what appears to be a very minor change in rating criteria or coverage limits can result in a large change in the cost of insurance.
There is no perfect policy for every driver, so the only way to find the cheapest rates for your Honda is to compare rates from as many companies as possible. Quotes are free and you will receive rate quotes from the cheapest companies around.
The trim level of your vehicle will influence the cost of coverage, so the price you pay to insure a Accord LX 4-Dr Sedan will be $302 less than the price to insure the more costly Accord EX-L 2-Dr Coupe trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $174 | $278 | $286 | $16 | $86 | $840 | $70 |
| Accord EX 4-Dr Sedan | $174 | $278 | $286 | $16 | $86 | $840 | $70 |
| Accord LX-P 4-Dr Sedan | $174 | $278 | $286 | $16 | $86 | $840 | $70 |
| Accord EX-L 4-Dr Sedan | $200 | $338 | $286 | $16 | $86 | $926 | $77 |
| Accord EX 2-Dr Coupe | $200 | $400 | $380 | $22 | $114 | $1,116 | $93 |
| Accord LX-S 2-Dr Coupe | $200 | $400 | $380 | $22 | $114 | $1,116 | $93 |
| Accord EX-L 2-Dr Coupe | $226 | $400 | $380 | $22 | $114 | $1,142 | $95 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in garaging location in Philadelphia which can change price quotes noticeably.
Trying to buy reasonably-priced car insurance is challenging, and deciding which companies quote the most affordable car insurance rates for a Honda Accord involves even more rate comparisons. Every auto insurer uses a slightly different approach for determining prices, so we'll go over the car insurance companies with the overall cheapest rates in Pennsylvania.
It's important that readers know that Philadelphia car insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. This price variation is why it is critical to spend some time comparing rates to find the most budget-friendly car insurance rates for a Honda Accord. Auto insurance prices can be determined by many factors and can decrease or increase without notice, so the most economical company the last time you shopped your coverage around may now be priced much higher than other options.
Lowest Insurance Price Quotes for Your Accord
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | General Casualty | $740 |
| 2 | USAA | $793 |
| 3 | Erie | $800 |
| 4 | Travelers | $803 |
| 5 | Penn National | $816 |
| 6 | Auto-Owners | $1,003 |
| 7 | Atlantic States | $1,005 |
| 8 | Amica | $1,022 |
| 9 | Donegal Mutual | $1,069 |
| 10 | GEICO | $1,123 |
| 11 | Allied | $1,144 |
| 12 | State Farm | $1,162 |
| 13 | California Casualty | $1,186 |
| 14 | State Auto | $1,241 |
| 15 | Encompass | $1,357 |
| 16 | Mutual Benefit Group | $1,411 |
| 17 | Progressive | $1,414 |
| 18 | Nationwide | $1,433 |
| 19 | Harleysville | $1,452 |
| 20 | Chubb | $1,536 |
| Find Cheaper Rates Go | ||
General Casualty may offer some of the most affordable car insurance rates in Philadelphia at around $740 annually. USAA, Erie, Travelers, and Penn National also are some of the cheaper Philadelphia, PA insurance companies.
As illustrated above, if you are currently insured with Travelers and switched to General Casualty, you might realize an annual savings of approximately $63. Policyholders with Penn National could save as much as $76 a year, and Auto-Owners insureds might lower prices by up to $263 a year.
To find out how much you can save, click here to get a free quote or click through to the companies below.
Understand that those premiums are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location for a Honda Accord. So the auto insurance company that fits your age and vehicle best may not even be in the top 30 companies in the list above. That is why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
Get discounts on Philadelphia car insurance rates
Insurance companies that offer quotes for a Honda Accord may additionally offer special discounts that could reduce prices by 35% or more if you qualify for them. A list of car insurance companies and their possible discounts can be found below.
- The Hartford offers premium reductions for air bag, defensive driver, anti-theft, good student, and vehicle fuel type.
- American Family offers discounts including defensive driver, mySafetyValet, good driver, bundled insurance, and early bird.
- Progressive policyholders can earn discounts including good student, continuous coverage, homeowner, multi-vehicle, online signing, online quote discount, and multi-policy.
- Travelers has discounts for new car, hybrid/electric vehicle, multi-policy, IntelliDrive, driver training, and multi-car.
- Farmers Insurance has savings for youthful driver, distant student, early shopping, pay in full, business and professional, teen driver, and good student.
- USAA may include discounts for vehicle storage, annual mileage, military installation, defensive driver, and new vehicle.
- Liberty Mutual offers discounts for teen driver discount, multi-car, newly married, good student, exclusive group savings, and hybrid vehicle.
The information below illustrates the difference between premium costs with and without discounts being applied to the rates. The prices are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, multiple vehicle, vehicle safety, homeowner, claim-free, and marriage discounts applied. With discounts applied, the average savings per year on car insurance for a Honda Accord is 28% or $478.
The illustration below shows how different deductible levels can influence yearly insurance costs when searching for cheap insurance for a Honda Accord. The prices are based on a single male driver, comp and collision included, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $270 a year by changing from a $100 deductible to a $500 deductible, or save $408 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save $888 or more just by choosing higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it will be necessary to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find low-cost insurance for a Honda Accord
It's not impossible to find cheaper rates, and here are a few penny-pinching ideas that can help Pennsylvania drivers quote cheap coverage.
- Frequent claims will increase rates
- Better credit rating means better rates
- Bundle home and auto and earn a discount
- Raise your physical damage coverage deductibles
- Do not get tickets
- Drive attentively and avoid accidents
- Shop around for cheaper rates regularly
The final tip is extremely crucial, as was stressed in the prior article. Coverage rates in Philadelphia adjust frequently, so don't be hesitant to switch carriers if a more affordable price is available.
Staying with the same company for years is fine, but is isn't recommended if that dedication is costing a lot of money. In less than five minutes you could compare rates to find cheaper insurance for a Honda Accord.