Buying cheap insurance for a Honda Accord in Arizona hinges on a lot of different factors such as whether you are single or married, your residence address, and if you have tickets or violations. Drivers in Arizona will pay on average $1,017 per year to insure their Accord, but that price is a projection calculated using a 30-year-old single male driver with full coverage and $250 deductibles.
There’s a high likelihood you aren’t exactly 30 years old or even a male, you might be married instead of single, or maybe you just want liability only. Everyone has unique insurance needs, and this illustrates why the only way to find cheap car insurance rates for your Honda is to just take the time to compare rates yourself.
Your vehicle’s trim level has an effect on the annual cost of coverage, so the price you will pay to insure a Accord LX 4-Dr Sedan trim level will cost $356 less than the insurance cost for the higher-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||$230||$320||$334||$20||$100||$1,004||$84|
|Accord EX 4-Dr Sedan||$230||$320||$334||$20||$100||$1,004||$84|
|Accord LX-P 4-Dr Sedan||$230||$320||$334||$20||$100||$1,004||$84|
|Accord EX-L 4-Dr Sedan||$264||$390||$334||$20||$100||$1,108||$92|
|Accord EX 2-Dr Coupe||$264||$460||$444||$26||$132||$1,326||$111|
|Accord LX-S 2-Dr Coupe||$264||$460||$444||$26||$132||$1,326||$111|
|Accord EX-L 2-Dr Coupe||$298||$460||$444||$26||$132||$1,360||$113|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific location information which can increase or decrease premiums noticeably.
Deciding which company has the cheapest insurance rates for a Honda Accord requires more time in order to find a policy that fits your budget. Every insurance provider uses their own calculation to establish rates, so we’ll take a look at the most competitive insurance companies in Tucson.
It’s important that readers know that Tucson, AZ insurance rates are influenced by many factors that can increase the price you pay for coverage. Turning one year older, increasing deductibles, or getting a reckless driving citation can cause premium changes that can now make some companies more affordable than others.
Cheapest Insurance Rates for Your Accord
The Hartford offers some of the lowest car insurance rates in Tucson at around $820 per year. This is $608 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also are some of the cheapest Tucson, AZ car insurance companies.
As illustrated above, if you are a customer of Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of upwards of $104. Customers with Travelers could save as much as $255 a year, and USAA insureds might realize rate reductions of up to $293 a year.
To see how much you can save, click here to start a quote or visit several of the following companies.
It’s important to note that these prices are averaged across all drivers and vehicles in Arizona and are not factoring in a specific vehicle garaging location for a Honda Accord. So the car insurance company that is best for you may not even be in the list above. That illustrates why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.
Discounts on Tucson auto insurance rates
Insurance companies that offer coverage for a Honda Accord may also offer special discounts that could lower prices by as much as 35% or more if you meet specific eligibility requirements. Companies and some of the premium reductions they offer include:
- State Farm may have discounts that include defensive driving training, passive restraint, multiple policy, student away at school, and Steer Clear safe driver discount.
- Farmers Insurance may include discounts for alternative fuel, distant student, pay in full, homeowner, switch companies, bundle discounts, and business and professional.
- GEICO may offer discounts for membership and employees, seat belt use, air bags, military active duty, anti-theft, and anti-lock brakes.
- American Family discounts include good student, Steer into Savings, bundled insurance, multi-vehicle, TimeAway discount, mySafetyValet, and accident-free.
- Nationwide has savings for Farm Bureau membership, good student, family plan, business or organization, and easy pay.
- Progressive policyholders can earn discounts including multi-vehicle, online quote discount, homeowner, continuous coverage, online signing, and multi-policy.
The example below visualizes the comparison of car insurance costs with and without discounts. The data is based on a female driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, marriage, safe-driver, anti-theft, multiple vehicle, and accident-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Honda Accord is 28% or $413.
Your cheap Accord insurance may actually be overpriced
Arizona insurance rates are determined by lots of factors that can increase the price you have to pay. Turning one year older, having a teenage driver, or having a fender bender can trigger rate changes that can cause some rates to be much cheaper than others.
And not only may your rating factors change, but insurers change rates as needed in order to protect their financial rating. A period of higher than normal claims can cause higher rates, while a profitable period may result in lower-cost Accord insurance rates.
The bar chart below shows which company has the cheapest car insurance in Tucson, AZ for a 30-year-old male driver with no accidents, a clean driving record, and a decent credit rating. If we estimate rates based on his personal risk profile, The Hartford might offer the best car insurance rates in Tucson at $1,039 a year. This is $389 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the top five cheapest Tucson, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a claim surcharge, a little lower credit rating, and a couple of points charged on his driving record. Since every insurance provider has a proprietary formula for establishing rates, getting updated rate quotes may now show a slightly different list of affordable companies as shown below.
GEICO now has the lowest car insurance rate in Tucson, AZ with Ameriprise Group, Allied, CSAA, and Auto-Owners now being in the top five. This example illustrates why Arizona drivers need to compare as many rates as possible when trying to get the lowest auto insurance rates for a Honda Accord. Auto insurance prices consist of many different factors and can change substantially, so the cheapest rate three years ago may now be one of the higher cost companies.
The agents listed below can help you determine which coverage meets your needs best, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when trying to find lower insurance rates for an Accord. It can be time-consuming to find the cheapest auto insurance company, and insurance agents licensed in the state of Arizona can provide you comfort knowing you have sufficient coverage for your assets.
To find an auto insurance agency closest to you, click the button at the bottom of the list or click here to compare price quotes now.
- Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488
- Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683
6245 E Broadway BlvdSte 310 – Tucson, AZ 85711 – (520) 624-3456
- American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017