What Insurance is Cheapest for a Honda Accord in Scottsdale?

Finding competitive car insurance for a Honda Accord in Arizona depends on lots of different factors such as your financial responsibility, your profession, and driving citations. Arizona drivers will pay around $928 annually to insure their Accord, but that cost is a valuation calculated based on a 40-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.

When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 40 years old or even a male, single instead of married, or maybe you are just looking for cheap liability insurance. Each driver’s needs are different, and that demonstrates why the best way to find the most affordable coverage for your Honda is to do your own rate comparisons.

Compare Honda Accord Insurance Rates

The trim level of your Honda has an effect on the cost of coverage, so the price you will be charged to insure a Accord LX 4-Dr Sedan trim level will be $330 cheaper than the cost to insure the higher-end Accord EX-L 2-Dr Coupe version, as shown in the chart below.

Honda Accord Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $204 $352 $262 $16 $78 $912 $76
Accord EX 4-Dr Sedan $204 $352 $262 $16 $78 $912 $76
Accord LX-P 4-Dr Sedan $204 $352 $262 $16 $78 $912 $76
Accord EX-L 4-Dr Sedan $234 $428 $262 $16 $78 $1,018 $85
Accord EX 2-Dr Coupe $234 $506 $348 $20 $104 $1,212 $101
Accord LX-S 2-Dr Coupe $234 $506 $348 $20 $104 $1,212 $101
Accord EX-L 2-Dr Coupe $264 $506 $348 $20 $104 $1,242 $104
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific location information which can revise insurance rates considerably.

Selecting the highest-rated insurer is hard considering how many companies there are in Arizona. The company ratings below can help you pick which coverage providers to look at when comparing rate quotes. These ratings include the largest companies in America, so companies without a large exposure are not factored into the list.

Top Ten Car Insurance Companies for a Honda Accord in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
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Data Source: Insure.com Best Car Insurance Companies

The information below shows how choosing a deductible can impact yearly insurance costs when getting quotes for cheap insurance for a Honda Accord. The premium estimates are based on a married female driver, full coverage, and no discounts are applied.

A 40-year-old driver could reduce rates by $246 a year by switching from a $100 deductible up to a $500 deductible, or save $370 by selecting a $1,000 deductible. Younger drivers, such as the 20-year-old example, could roll back prices $606 every year just by choosing larger deductibles.

If you do raise deductibles, it will be necessary to have enough in a savings account to allow you to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Why are you paying too much for Accord insurance?

Scottsdale, AZ car insurance rates are based on many factors which can substantially change the cost of having a policy. Simply improving your credit, increasing deductibles, or getting caught speeding can trigger changes in premium that may make certain companies cheaper in comparison to the competition.

Also, car insurance companies amend premium rates every year to adjust for heavy claims or excess profits. Significantly higher claims can cause higher priced premiums, while a profitable period can produce lower-cost Accord insurance rates.

The chart below compares the cheapest car insurance in Scottsdale, AZ for a 40-year-old female driver with no prior accidents, a clean driving record, and good financial standing. When comparing rates based on her current risk profile, The Hartford may offer the lowest car insurance rates in Scottsdale at $1,140 each year. This is $288 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the list of the cheapest Scottsdale, AZ auto insurance companies.

In this example, we will give the driver from the first set of rates a claim or two, poor credit, and a stop sign violation. Since each insurance company uses a different method for setting prices, comparing insurance quotes most likely will result in a completely different list of the cheapest Scottsdale car insurance companies as shown below.

Progressive now has the best price in Scottsdale, AZ with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual also being competitive. This example proves why consumers need to perform an extensive rate comparison to find the most affordable insurance quotes for a Honda Accord. Car insurance prices are impacted by many factors and can increase or decrease at any time, so the cheapest company when you bought your policy may now be quite expensive.