Finding affordable car insurance for a Honda Accord in North Carolina hinges on many rating criteria such as how many miles you drive each year, whether or not you have prior claims, and the level of deductible you choose. Drivers in North Carolina pay approximately $561 a year for Accord insurance, but that price is an estimate calculated based on a 50-year-old married female driver with full comprehensive and collision coverage and $500 deductibles.
But there is a high likelihood that you are not 50 and maybe not even a female, maybe you are single instead of married, or you just want cheap liability insurance instead of full coverage. This demonstrates why the only real way to find the cheapest insurance price for your Honda is to do a thorough rate comparison.
Your vehicle’s trim level tends to impact the cost of coverage, so the price you will be charged to insure a Accord LX 4-Dr Sedan model will be $200 cheaper than the price to insure the fancier 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||$104||$178||$198||$12||$60||$552||$46|
|Accord EX 4-Dr Sedan||$104||$178||$198||$12||$60||$552||$46|
|Accord LX-P 4-Dr Sedan||$104||$178||$198||$12||$60||$552||$46|
|Accord EX-L 4-Dr Sedan||$120||$218||$198||$12||$60||$608||$51|
|Accord EX 2-Dr Coupe||$120||$256||$264||$16||$80||$736||$61|
|Accord LX-S 2-Dr Coupe||$120||$256||$264||$16||$80||$736||$61|
|Accord EX-L 2-Dr Coupe||$136||$256||$264||$16||$80||$752||$63|
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in specific zip code location which can revise premiums substantially.
Raleigh car insurance companies ranked
Finding a good quality auto insurance provider can be a challenge considering how many different companies insure vehicles in North Carolina. The information listed below could help you select which car insurance providers to look at comparing rates with. The ratings below are for the companies with a significant amount of written premium nationwide, so smaller companies that only insure vehicles in North Carolina will not be included in this list.
Top 10 Large Auto Insurance Providers in Raleigh Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
- Titan Insurance
Top 10 Large Auto Insurance Providers in Raleigh Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Get discounts on Raleigh insurance
Insurance companies that provide coverage for a Honda Accord may also offer special discounts that could lower prices by 25% or more if you can meet the requirements. Larger car insurance companies and their offered discounts include:
- State Farm may offer discounts for multiple autos, good student, defensive driving training, Steer Clear safe driver discount, safe vehicle, and anti-theft.
- Progressive offers premium reductions for good student, homeowner, online quote discount, continuous coverage, online signing, multi-vehicle, and multi-policy.
- Progressive discounts include multi-policy, online signing, homeowner, multi-vehicle, good student, continuous coverage, and online quote discount.
- MetLife may include discounts for defensive driver, claim-free, good student, accident-free, multi-policy, and good driver.
- Farm Bureau offers discounts including 55 and retired, multi-policy, good student, driver training, youthful driver, safe driver, and multi-vehicle.
- GEICO includes discounts for five-year accident-free, driver training, daytime running lights, anti-theft, and defensive driver.
- SAFECO offers discounts for anti-theft, anti-lock brakes, accident prevention training, safe driver, multi-car, and homeowner.
The illustration below illustrates the difference between yearly insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no claims or violations, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, defensive driving course, accident-free, homeowner, and safe-driver discounts applied. When discounts are applied, the average amount saved each year on car insurance for a Honda Accord is 27% or $361.
Accidents and violations increase rates
The recommended way to maintain affordable car insurance premiums in Raleigh for an Accord is to drive safe and not receive tickets or have accidents. The illustration below illustrates how violations and at-fault fender-benders drive up auto insurance costs for different age categories. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy in North Carolina per year with a clean driving record and no accidents is $1,573. Get written up for one speeding ticket and the average cost rises to $1,774, an increase of $201 each year. Now include one accident along with the one speeding ticket and the annual cost of car insurance for a Honda Accord jumps again to an average of $2,337. That’s an increase of $765, or $64 per month, just for not keeping your driving record clean!
Ideas for finding more affordable car insurance for a Honda Accord
Below you’ll find some of the recommended thrifty suggestions that can help you quote cheaper car insurance.
- Get cheaper liability coverage by choosing a safer vehicle
- Increase your credit rating
- Earn a discount by not filing claims
- Save money by insuring your home and auto with the same company
- Higher physical damage deductibles lower rates
- On older vehicles, drop full coverage
- Keep rates low by shopping around frequently
The last tip is certainly crucial, as we emphasized in this piece. Auto insurance rates fluctuate considerably, so you should be ready to switch companies if you can save money. Many consumers stick with the same company and that’s fine, but is isn’t recommended if that inflexibility results in costing you several hundred dollars every year. Take a few minutes and compare prices to find cheaper insurance for a Honda Accord in Raleigh.
The Raleigh car insurance agencies listed below can probably aid you in deciding which coverages are best, since many people would rather have some advice when trying to find the best insurance rates for an Accord. It can be complicated to do it yourself, so insurance agents licensed in the state of North Carolina can provide you comfort knowing your coverage gives you suitable coverage if you have an accident.
To find a Raleigh insurance agent closest to you, click the button link following the list.
- ACF Insurance Services, Inc.
4634 Capital Blvd – Raleigh, NC 27604 – (919) 878-7786
- Green and Wooten Insurance
800 Salem Woods Dr – Raleigh, NC 27615 – (919) 870-0021
- Lee Winters Insurance Agency
1330 St Marys St Suite 250 – Raleigh, NC 27605 – (919) 828-7130
- Highsmith and Associates Insurance
3700 Glenwood Ave #430 – Raleigh, NC 27612 – (919) 878-9412