Finding economical car insurance for a Honda Accord in Arizona relies on an enormous amount of factors such as how long your commute is, the likelihood of your vehicle being stolen, and physical damage deductibles. Arizona drivers pay on average $849 per year to insure their Accord, but that figure is an approximation using a 50-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you’re not a 50-year-old male, possibly single instead of married, and maybe you have sub-par credit that needs to be factored in. Even a minor change in the rating criteria used to formulate rates can make a large difference in policy price.
Auto insurance is unique to each driver, so the only real way to find the cheapest insurance price for your Honda is to put in the effort to do a thorough rate comparison.
The specific model of Accord tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Accord LX 4-Dr Sedan trim level will be $304 less expensive the price to insure the more expensive Accord EX-L 2-Dr Coupe model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $176 | $326 | $244 | $14 | $74 | $834 | $70 |
| Accord EX 4-Dr Sedan | $176 | $326 | $244 | $14 | $74 | $834 | $70 |
| Accord LX-P 4-Dr Sedan | $176 | $326 | $244 | $14 | $74 | $834 | $70 |
| Accord EX-L 4-Dr Sedan | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Accord EX 2-Dr Coupe | $202 | $466 | $326 | $20 | $98 | $1,112 | $93 |
| Accord LX-S 2-Dr Coupe | $202 | $466 | $326 | $20 | $98 | $1,112 | $93 |
| Accord EX-L 2-Dr Coupe | $228 | $466 | $326 | $20 | $98 | $1,138 | $95 |
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in your specific Mesa location which can affect premiums noticeably.
Finding the top car insurance company is difficult considering how many companies sell insurance in Mesa. The company ratings in the next section could help you select which auto insurance companies you want to consider when comparing auto insurance rates for a Honda Accord. The rankings below are for companies who write in the majority of U.S. states, so companies that only write business in Arizona or surrounding areas are not taken into consideration for this list.
Top 10 Major Car Insurance Companies in Mesa Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Major Car Insurance Companies Overall in Mesa
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Does it make sense to buy full coverage?
Buying cheaper car insurance is probably important to most drivers, and a good way to save on the cost of insurance for a Honda Accord is to not pay for full coverage. The information below compares insurance costs with liability coverage only compared to full coverage. The prices are based on a clean driving record, no claims, $250 deductibles, drivers are single, and no discounts are factored in.
If all age groups are averaged, physical damage coverage costs an extra $1,579 per year more than carrying just liability coverage. Many of you may wonder if you should buy full coverage at all. There is no clear-cut rule to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
Discounts on Mesa car insurance
Car insurance companies that offer cheap quotes for a Honda Accord may also provide discounts that can lower rates by as much as 40% or more if you are eligible. A few popular companies and some of the premium reductions they offer are detailed below.
- Farm Bureau may include discounts for good student, driver training, multi-vehicle, multi-policy, youthful driver, safe driver, and 55 and retired.
- State Farm offers discounts for student away at school, driver’s education, good driver, accident-free, and Steer Clear safe driver discount.
- Progressive policyholders can earn discounts including homeowner, continuous coverage, good student, online quote discount, online signing, and multi-policy.
- Allstate discounts include premier discount, safe driver, resident student, auto/life discount, teenSMART discount, senior citizen, and new car.
- Nationwide has savings for defensive driving, easy pay, anti-theft, Farm Bureau membership, and good student.
- MetLife offers premium reductions for claim-free, good driver, accident-free, good student, and defensive driver.
The illustration below shows the comparison of insurance premiums with and without policy discounts. The prices are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple policy, vehicle safety, safe-driver, accident-free, defensive driving course, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on car insurance for a Honda Accord is 28% or $335.
Compare rates to save
Arizona car insurance rates are influenced by many factors that will increase or decrease the cost of a policy. Getting older, buying a home, or getting a DUI can trigger price changes that may make certain companies affordable when they were higher priced. Also, insurance companies amend pricing as needed to adjust for unexpected claims or profits. An extended period of higher than normal claims may result in higher prices, while less frequent claims may cause lower-cost Accord insurance rates.
For example, the bar chart below shows the companies that have the cheapest car insurance in Mesa, AZ for a 40-year-old female driver with no violations or accidents, and good financial standing. Based on her current risk factors, The Hartford quotes the most affordable car insurance rates in Mesa at $1,078 a year. This is $350 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remainder of the cheapest Mesa, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison some claims, poor credit, and an imperfect driving record. Since each auto insurance company uses a different method for determining prices, analyzing rates may result in a new list of the cheapest Mesa car insurance companies as shown below.
Progressive now has the best car insurance rate in Mesa with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual now being in the top five. This illustrates why it is critical to compare lots of rates to get the most budget-friendly auto insurance quotes for a Honda Accord.
Insurance rates can be altered by many different factors and change substantially, so the cheapest company the last time you shopped your coverage around may now be quite expensive.
How to find budget-friendly insurance for a Honda Accord
Below you’ll find some penny-pinching ideas that can help you quote lower-cost auto insurance.
- Buying car and homeowners insurance together can save money
- Having too many claims will increase rates substantially
- At-fault accidents will increase rates
- Avoid speeding and other traffic citations and pay less
- Buy vehicles with good safety ratings
- Comparison shop frequently
The final tip is incredibly significant, as we pointed out in this piece. Rates can be adjusted at any time, so don’t hesitate to change to a new company if a cheaper rate is available. Brand loyalty is great, but is isn’t recommended if that stubbornness costs you a small fortune year after year. Now is a great time to compare rates and find cheaper auto insurance for a Honda Accord in Mesa.