What Insurance is Cheapest for a Honda Accord in Chula Vista?

Buying affordable auto insurance for a Honda Accord is fairly simple, but it depends on a large number of rating criteria such as whether the vehicle is new, the performance level of your vehicle, and driving violations and tickets. Drivers in California will pay around $1,419 each year for Accord insurance, but that cost is an estimation based on a 30-year-old married female driver with full coverage and $100 deductibles.

There’s a good chance you’re not a 30-year-old female, you might be single instead of married, and maybe you want higher deductibles. Even a slight change in rating variables or coverage information can make a big difference in the price of a policy.

This shows why the best method for finding the most affordable coverage for your Honda is to compare rates from as many companies as possible.

View Honda Accord Insurance Rates

The specific trim level has an effect on the annual cost of coverage, so the price you pay to insure a Accord LX 4-Dr Sedan model will be $504 less expensive the price to insure the more costly Accord EX-L 2-Dr Coupe model, as shown below.

Honda Accord Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $322 $554 $384 $22 $114 $1,396 $116
Accord EX 4-Dr Sedan $322 $554 $384 $22 $114 $1,396 $116
Accord LX-P 4-Dr Sedan $322 $554 $384 $22 $114 $1,396 $116
Accord EX-L 4-Dr Sedan $368 $672 $384 $22 $114 $1,560 $130
Accord EX 2-Dr Coupe $368 $792 $510 $30 $152 $1,852 $154
Accord LX-S 2-Dr Coupe $368 $792 $510 $30 $152 $1,852 $154
Accord EX-L 2-Dr Coupe $416 $792 $510 $30 $152 $1,900 $158
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific location which can affect insurance rates considerably.

Finding good, reasonably-priced auto insurance is confusing at best, and figuring out which company quotes the best auto insurance rates for a Honda Accord involves additional perseverance. Every insurance provider uses a slightly different approach to set policy rates, so first let’s look at the rankings for the auto insurance companies that tend to have lower prices in Chula Vista.

It’s important to know that Chula Vista, CA auto insurance rates are based on many factors which can substantially change the price of your policy. Simply turning a year older, buying a safer car, or getting a speeding ticket can cause premium changes resulting in some companies being cheaper than before.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 CSAA $1,186
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,477
8 Mercury $1,488
9 Allied $1,556
10 Progressive $1,558
11 Allstate $1,559
12 GEICO $1,559
13 The Hartford $1,575
14 MetLife $1,638
15 Unitrin $1,699
16 State Farm $1,733
17 Esurance $1,739
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $2,026
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USAA may have some of the most affordable car insurance rates in Chula Vista at around $1,121 per year. Wawanesa, CSAA, Century National, and Nationwide also are some of the cheaper Chula Vista, CA car insurance companies.

As the example above demonstrates, if you are currently insured with Century National and switched to USAA, you could realize an annual savings of about $105. Policyholders with Nationwide could save as much as $142 a year, and 21st Century insureds might cut rates by $245 a year.

Be aware that those estimates are averages across all drivers and vehicles and and are not figured with an exact zip code location for a Honda Accord. So the auto insurance company that is best suited for you may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get quotes using your own specific driver information and vehicle.

The illustration below demonstrates how deductible levels can influence insurance prices when trying to find cheap insurance for a Honda Accord. The data assumes a single male driver, full physical damage coverage, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could lower their car insurance rates by $362 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $546 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 category, could shave up to $1,190 every year by using a higher deductible.

If you do make the decision to raise your deductibles, it will be required to have additional savings on hand to pay the extra out-of-pocket expense that comes with higher deductibles.

Should you buy full coverage?

Paying a lower price for auto insurance should be important to the majority of people, and an effective way to find cheaper insurance for a Honda Accord is to only buy liability insurance. The chart below shows the difference between yearly insurance costs with full physical damage coverage and with liability coverage only. The prices are based on no accidents or driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.

As an average, full coverage on your policy costs $3,093 per year more than just buying liability insurance. Many people question when is it a good idea to stop buying full coverage. There is no specific rule of when to stop paying for full coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage.

How to find the cheapest auto insurance for a Honda Accord

Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help Chula Vista drivers get low-cost car insurance.

That last piece of advice is remarkably vital, as we noted in this piece. Insurance prices in Chula Vista change a lot, so drivers shouldn’t hesitate to buy a different policy if you can find a cheaper rate. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that stubbornness costs you money that could be used for better things. Take a couple minutes and compare rates and find cheaper auto insurance for a Honda Accord.

If you wish to get help from a professional when shopping for the best coverage for an Accord, the agents listed below are a good start to help you determine which auto insurance policy fits you best. To locate a Chula Vista car insurance agency using an interactive map, click the button link following the list.

State Farm: Danny Patel
345 F St #160Chula Vista, CA 91910(619) 426-8352

Farmers Insurance – Melissa Talbot
885 Canarios Ct #104Chula Vista, CA 91910(619) 781-8716

Brian Konishi – Allstate Insurance Agent
786 Third AveChula Vista, CA 91910(619) 426-6580

View more Chula Vista, CA insurance agencies