Finding cheap auto insurance for a Honda Accord is pretty simple, but it relies on many different factors such as how you use your vehicle, what you do for a living, and driving violations and tickets. Washington drivers pay around $876 a year for Accord insurance, but that price is an estimate using a 40-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
If we were betting, you are not 40 years old and maybe not even male, maybe you are married instead of single, or maybe you just want different deductibles. There is no one cookie-cutter policy that works for everyone, so the best way to find the cheapest rates for your Honda is to compare as many rates as you can. In less than five minutes you will be able to compare rates from some of the best insurers around.
Cheapest Honda Accord Insurance Rates
The specific trim level tends to impact price, so the rate you will pay to insure a Accord LX 4-Dr Sedan model will be $310 lower than the cost to insure the high 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 | $158 | $292 | $304 | $18 | $90 | $862 | $72 |
| Accord EX 4-Dr Sedan | $158 | $292 | $304 | $18 | $90 | $862 | $72 |
| Accord LX-P 4-Dr Sedan | $158 | $292 | $304 | $18 | $90 | $862 | $72 |
| Accord EX-L 4-Dr Sedan | $182 | $356 | $304 | $18 | $90 | $950 | $79 |
| Accord EX 2-Dr Coupe | $182 | $420 | $404 | $24 | $120 | $1,150 | $96 |
| Accord LX-S 2-Dr Coupe | $182 | $420 | $404 | $24 | $120 | $1,150 | $96 |
| Accord EX-L 2-Dr Coupe | $204 | $420 | $404 | $24 | $120 | $1,172 | $98 |
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can revise rates substantially.
Establishing which company offers the lowest-priced auto insurance rates for a Honda Accord involves more work than just quoting one company’s rates. Each insurance company has a unique approach for filing rates in each state, so let’s examine the auto insurance companies that tend to have lower prices in Seattle.
Lowest Insurance Price Quotes for Your Accord
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Capital | $777 |
| 2 | Grange | $838 |
| 3 | PEMCO | $974 |
| 4 | Nationwide | $981 |
| 5 | Travelers | $1,038 |
| 6 | Mutual Enumclaw | $1,054 |
| 7 | California Casualty | $1,083 |
| 8 | The Hartford | $1,090 |
| 9 | USAA | $1,092 |
| 10 | Allied | $1,098 |
| 11 | Chubb | $1,116 |
| 12 | State Farm | $1,176 |
| 13 | American Family | $1,208 |
| 14 | Safeco | $1,216 |
| 15 | Amica | $1,256 |
| 16 | Liberty Mutual | $1,257 |
| 17 | Farmers | $1,369 |
| 18 | Progressive | $1,510 |
| 19 | National General | $1,540 |
| 20 | MetLife | $1,681 |
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Capital may have some of the cheapest car insurance rates in Seattle at around $777 each year. Grange, PEMCO, Nationwide, and Travelers also rank well as some of the cheapest Seattle, WA car insurance companies.
As shown in the table above, if you are currently insured with PEMCO and switched to Capital, you might see annual savings of approximately $197. Customers with Nationwide might save as much as $204 a year, and Travelers customers might reduce prices by as much as $261 a year.
To get a quick, customized rate comparison, click here to start a quote or quote rates from the companies below.
These rates are averaged for all drivers and vehicles and do not factor in a specific location for a Honda Accord. So the insurer that is best suited for you may not even be in the top 25 companies in the list above. That point stresses why you need to compare as many prices as possible using your own driver data and vehicle information.
Auto insurance rates are higher with tickets and accidents
The easiest method to score the cheapest auto insurance premiums in Washington for an Accord is to be a careful driver and have a clean driving record. The diagram below shows how speeding tickets and fender-benders drive up car insurance costs for different insured age categories. The data is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of car insurance per year with a clean driving record and no accidents is $1,553. Receive one speeding ticket and the average cost hikes up to $1,748, an increase of $195 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for a Honda Accord increases to an average of $3,440. That’s an increase of $1,887, or $157 per month, just for not being more responsible behind the wheel!
Discount Seattle insurance rates
Insurance providers that offer cheap quotes for a Honda Accord may additionally offer policy discounts that could potentially reduce rates by as much as 25% or more if you are eligible. A list of companies and a summarized list of policyholder discounts are shown below.
- GEICO discounts include five-year accident-free, anti-theft, federal employee, defensive driver, air bags, and daytime running lights.
- Auto-Owners Insurance includes discounts for student away at school, mature driver, safe driver, anti-lock brakes, anti-theft, paid in full, and multiple vehicles.
- American Family offers discounts for early bird, air bags, TimeAway discount, Steer into Savings, defensive driver, and accident-free.
- Esurance offers discounts including claim free, multi-policy, good student, emergency road assistance, renters, and Switch & Save.
- Progressive has savings for multi-vehicle, online quote discount, good student, multi-policy, online signing, and continuous coverage.
- State Farm has discounts for passive restraint, anti-theft, student away at school, multiple policy, safe vehicle, good student, and good driver.
- AAA policyholders can earn discounts including good driver, multi-car, anti-theft, AAA membership discount, and pay-in-full.
The information below visualizes the comparison of insurance prices with and without policy discounts. The rates are based on a female driver, no claims or driving citations, Washington state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with accident-free, safe-driver, claim-free, vehicle safety, anti-theft, and multiple vehicle discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Honda Accord is 28% or $604.
Don’t make the mistake of not shopping around
Seattle, WA auto insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Simply getting older, having a teenage driver, or getting a ticket for running a stop sign may generate price changes resulting in some rates now being cheaper than others.
Not only may things change on your end, but companies file new rates every year or even multiple times each year to adjust for unexpected claims or profits. Unexpectedly high claims may cause additional price hikes, while lower claims can cause lower-priced Accord insurance rates.
To illustrate this example, the bar chart below analyzes the cheapest car insurance in Seattle, WA for a 40-year-old female driver with no prior claims, no tickets, and excellent credit. If we estimate prices based on her current rating profile, Capital might quote the lowest car insurance rates in Seattle at $1,041 a year. This is $371 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Mutual Enumclaw also make the list of the cheapest Seattle, WA auto insurance companies.
Now we will give the driver from the first example a claim or two, bad credit, and a speeding citation. Because each insurer has a proprietary formula to set their prices, getting updated rate quotes may now present a new list of the cheapest Seattle car insurance companies as shown below.
The Hartford now has the cheapest insurance rate in Seattle with USAA, Chubb, California Casualty, and State Farm also having competitive pricing. This example illustrates why it is crucial to take the time to shop around to get affordable car insurance rates for a Honda Accord. Insurance prices consist of many different factors and change frequently, so the most economical option the last time you shopped around may now be one of the more expensive options.
If you aren’t sure which coverage to buy and prefer to have professional advice when shopping for the best coverage for an Accord, the agents listed below are a good start to aid you in deciding which insurance coverage will be best for you. To locate a Seattle car insurance agency close to you, click the button following the list.
- Kent Christianson – State Farm Insurance Agent
1705 N 45th, Ste A – Seattle, WA 98103 – (206) 632-8000 - Luan Vu – State Farm Insurance Agent
6951 Martin Luther King Jr Way S #224 – Seattle, WA 98118 – (206) 243-3041 - Jeff Kalvelage – State Farm Insurance Agent
315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559 - Ati Agency Inc
2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200 - Lucho Singh – State Farm Insurance Agent
1420 Harvard Ave – Seattle, WA 98122 – (206) 329-4450
View map of Seattle, WA insurance agents
Tips to find cheaper auto insurance for a Honda Accord
The list below details some money-saving suggestions that can help Washington drivers get cheaper auto insurance.
- Prevent price hikes by avoiding at-fault accidents
- Avoid getting citations and tickets
- Don’t waste money on full coverage for older vehicles
- Clean up your credit
- Increase the comprehensive and collision deductibles on your policy
- Safer vehicles generally have cheaper insurance rates
- Compare rates regularly to ensure the best deal
The last suggestion is notably vital, as was stressed in the article above. Prices charged by companies vary considerably, so drivers shouldn’t be resistant to buy a different policy if a better rate can be found.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that faithfulness ends up costing you a small fortune. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for a Honda Accord in Seattle.