Buying cheaper coverage for a Honda Accord doesn’t take too much effort, but it hinges on an enormous amount of factors such as whether you are married or single, your address, and your choice of deductibles. Drivers will pay around $696 annually to insure their Accord, but that amount is a projection based upon a 40-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.
The problem with using this number is the good chance you’re not a 40-year-old male, you might be married instead of single, or maybe you just want different deductibles. Having just a slight change in the criteria used to calculate rates can make a big difference in the policy rate.
There is no perfect policy for every driver, so the best method for finding the cheapest coverage for your Honda is to compare rates from as many companies as possible. In just a few minutes you will be able to see rates from the best companies that insure vehicles in Missouri.
Your vehicle’s trim level can impact the annual cost of coverage, so the price to insure a Accord LX 4-Dr Sedan model will be $246 less expensive the cost to insure the more expensive 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 | $108 | $206 | $274 | $16 | $82 | $686 | $57 |
| Accord EX 4-Dr Sedan | $108 | $206 | $274 | $16 | $82 | $686 | $57 |
| Accord LX-P 4-Dr Sedan | $108 | $206 | $274 | $16 | $82 | $686 | $57 |
| Accord EX-L 4-Dr Sedan | $124 | $250 | $274 | $16 | $82 | $746 | $62 |
| Accord EX 2-Dr Coupe | $124 | $296 | $364 | $22 | $110 | $916 | $76 |
| Accord LX-S 2-Dr Coupe | $124 | $296 | $364 | $22 | $110 | $916 | $76 |
| Accord EX-L 2-Dr Coupe | $140 | $296 | $364 | $22 | $110 | $932 | $78 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can influence rates considerably.
Deciphering which companies have the cheapest insurance rates for a Honda Accord calls for more time in order to find the most economical policy. Each auto insurer has a proprietary method for filing rates in each state, so we’ll go over the insurance companies that tend to be cheaper in Kansas City.
We do need to point out that Kansas City insurance rates are impacted by many things that will increase or decrease the price you have to pay. Improving your credit rating, increasing deductibles, or getting a couple of tickets may prompt premium changes resulting in some companies being more affordable than the competition.
Cheapest Insurance Rates for Your Accord
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $662 |
| 2 | The Hartford | $785 |
| 3 | Electric | $875 |
| 4 | Allied | $875 |
| 5 | Auto-Owners | $1,027 |
| 6 | MO Farm Bureau | $1,032 |
| 7 | Travelers | $1,038 |
| 8 | Farmers | $1,105 |
| 9 | Nationwide | $1,131 |
| 10 | Cameron Mutual | $1,166 |
| 11 | American Family | $1,241 |
| 12 | State Farm | $1,271 |
| 13 | GEICO | $1,392 |
| 14 | Shelter | $1,404 |
| 15 | Safe Auto | $1,405 |
| 16 | Safeco | $1,412 |
| 17 | Progressive | $1,424 |
| 18 | MetLife | $1,458 |
| 19 | California Casualty | $1,469 |
| 20 | Encompass | $1,532 |
| View More Rates Go | ||
USAA offers some of the best car insurance rates in Kansas City at around $662 each year. The Hartford, Electric, Allied, and Auto-Owners also rank well as some of the most economical Kansas City, MO car insurance companies.
In the above rates, if you are insured with Auto-Owners and switched to The Hartford, you may realize annual savings of in the vicinity of $242. Policyholders with MO Farm Bureau might save as much as $247 a year, and Travelers policyholders might realize rate reductions of up to $253 a year.
Understand that those prices are averages across all ages of drivers and types of vehicles and are not factoring in a vehicle location for a Honda Accord. So the insurer that can offer you the lowest price may not even be in the list above. That’s why you need to get quotes using your own personal information and vehicle type.
Careless drivers pay higher rates
The recommended way to obtain low insurance prices in Kansas City for an Accord is to be a careful driver and maintain a clean driving record. The chart below illustrates how traffic citations and accident claims can influence insurance costs for different age groups. The data is based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of auto insurance in Missouri per year with no accidents or violations is $957. Get two speeding tickets and the average cost rises to $1,310, an increase of $353 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Honda Accord goes up to an average of $2,788. That’s an increase of $1,830, or $153 per month, just for not being a responsible driver!
How to get discounts on Kansas City car insurance rates
Auto insurance companies that offer quotes for a Honda Accord may have discounts that could lower prices by as much as 35% if you qualify for them. The best insurance companies and a selection of discounts are outlined below.
- Mercury Insurance has discounts for professional/association, low natural disaster claims, ease of repair, location of vehicle, accident-free, and annual mileage.
- Farmers Insurance has savings for multi-car, switch companies, teen driver, pay in full, youthful driver, and mature driver.
- Farm Bureau offers discounts including multi-policy, good student, multi-vehicle, driver training, and youthful driver.
- State Farm may include discounts for accident-free, anti-theft, student away at school, Steer Clear safe driver discount, and multiple autos.
- Allstate policyholders can earn discounts including early signing, auto/life discount, multi-policy, good student, utility vehicle, farm vehicle, and teenSMART discount.
- GEICO may offer discounts for defensive driver, daytime running lights, federal employee, good student, and five-year accident-free.
The diagram below illustrates the comparison of premium costs with and without discounts applied to the premium. The data is based on a male driver, no violations or claims, Missouri state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, anti-theft, marriage, passive restraint, accident-free, and defensive driving course discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a Honda Accord is 28% or $569.
How to find low-cost insurance for a Honda Accord
The list below shows many penny-pinching suggestions that can help you locate more affordable coverage.
- Good credit can mean cheaper rates
- Avoid getting tickets or violations
- Do not get into accidents
- Safer vehicles cost less to insure
- Pay for small claims rather than turning them in to your insurance company
- Compare prices as often as possible
The final tip is certainly valuable, as was discussed in the prior information. Car insurance rates change a lot, so don’t be tentative to change insurance companies if you find a cheaper price.
Having a favorite company is great, but it isn’t a good idea if that loyalty ends up costing hundreds every year. If you have a few minutes, compare rates to find cheaper auto insurance for a Honda Accord in Kansas City.
The auto insurance agents in Kansas City shown below can probably answer your questions and help you decide which is the best policy, as some drivers wish to get some help when shopping for cheaper insurance for a Honda Accord. It’s not always simple to find the cheapest rate yourself, so insurance agents can give peace of mind knowing your coverage gives you enough protection.
To find an auto insurance agency close to where you live, click the link at the bottom or click here to compare prices now.
- American Family Insurance – Tony Osborn
6510 N Oak Trafficway – Kansas City, MO 64118 – (816) 454-6555 - American Family Insurance – Paul Arnone
3851 N Oak Trafficway – Kansas City, MO 64116 – (816) 454-2152 - Jesse Valenciano State Farm®
7932 N Oak Trafficway #208 – Kansas City, MO 64118 – (816) 436-3004