Who Has Cheap Car Insurance Rates for a Honda Accord in San Jose?

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Finding the cheapest auto insurance for a Honda Accord in California is pretty simple for most people to do, but it depends on a lot of different factors such as annual miles driven, your address, and physical damage deductibles. Drivers pay around $1,635 each year for Accord insurance, but that price is an estimation based on a 30-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.

The issue with using an average estimated rate is the likelihood you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you live in a different area as the quoted rates. Car insurance coverage is unique to each driver, so this is why the way we recommend to find cheap insurance rates for your Honda is to just take the time to compare rates yourself.

Compare Honda Accord Insurance Rates

Your Honda's trim level can impact the annual cost of coverage, so the price you will pay to insure a Accord LX 4-Dr Sedan model will be $576 less than the insurance cost for the more expensive Accord EX-L 2-Dr Coupe trim level, as shown in the chart below.

Honda Accord Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $378 $564 $492 $30 $148 $1,612 $134
Accord EX 4-Dr Sedan $378 $564 $492 $30 $148 $1,612 $134
Accord LX-P 4-Dr Sedan $378 $564 $492 $30 $148 $1,612 $134
Accord EX-L 4-Dr Sedan $434 $686 $492 $30 $148 $1,790 $149
Accord EX 2-Dr Coupe $434 $810 $654 $38 $196 $2,132 $178
Accord LX-S 2-Dr Coupe $434 $810 $654 $38 $196 $2,132 $178
Accord EX-L 2-Dr Coupe $490 $810 $654 $38 $196 $2,188 $182
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in your specific San Jose location which can increase or decrease price quotes substantially.

Ending up with a good quality insurance provider is hard considering how many different companies sell coverage in California. The company ratings in the lists below may help you pick which auto insurance companies to look at when trying to find the cheapest insurance for a Honda Accord.

These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in California or surrounding areas will not be included in this list. To check prices from these and other top-rated companies, follow this link.

Best 15 Insurance Companies for a Honda Accord in San Jose
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
AAA of Southern California 91 94 97 92% A+ 94.1
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
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
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Data Source: Insure.com Best Car Insurance Companies

The information below highlights how deductible choice can affect insurance rates when getting quotes for cheap insurance for a Honda Accord. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

In the chart above, a 50-year-old driver could cut expenses by $506 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $762 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates $1,674 or even more just by choosing higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it will be required to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Cost comparison with and without full coverage

Paying a lower price for insurance is the goal of the majority of vehicle owners, and one great way to pay lower rates for insurance for a Honda Accord is to only buy liability insurance. The illustration below compares car insurance costs when comparing full coverage to liability only. The prices are based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

As an average, physical damage insurance costs $3,147 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 set guideline to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let's pretend your vehicle's settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying your deductible. If you are paying more than $700 annually to have full coverage, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not a good plan. If you haven't paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not remove full coverage.

Get discount San Jose insurance rates

Cheaper San Jose, CA insurance for an AccordInsurers that offer coverage for a Honda Accord may also provide policy discounts that could lower prices by as much as 35% or more if you qualify. The best insurance companies and some of the discounts are:

The information below visualizes the comparison of insurance rates with and without discounts applied to the rates. The premiums are based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, vehicle safety, multiple vehicle, marriage, anti-theft, and accident-free discounts applied. In this example, the average amount saved each year on insurance for a Honda Accord is 28% or $703.