Finding competitive auto insurance for a Honda Accord doesn’t take a lot of effort, but it hinges on a whole bunch of factors such as the age of the Accord, the likelihood of vehicle theft, and any prior driving offenses. Drivers in Florida pay on average $1,090 per year to insure their Accord, but that amount is an estimate using a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 40 years old (or even male), maybe you are married instead of single, and maybe you have sub-par credit that needs to be factored in. Even a slight change in rating criteria could end up in a significant change in the price of coverage.
There is no perfect policy for every driver, so the way we recommend to find affordable rates for your Honda is to just take the time to compare rates yourself.
The trim level of your vehicle will likely have an effect on price, so the price you will pay to insure a Accord LX 4-Dr Sedan model will be $380 less than the cost to insure the more well-appointed Accord EX-L 2-Dr Coupe version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $170 | $322 | $430 | $26 | $128 | $1,076 | $90 |
| Accord EX 4-Dr Sedan | $170 | $322 | $430 | $26 | $128 | $1,076 | $90 |
| Accord LX-P 4-Dr Sedan | $170 | $322 | $430 | $26 | $128 | $1,076 | $90 |
| Accord EX-L 4-Dr Sedan | $196 | $392 | $430 | $26 | $128 | $1,172 | $98 |
| Accord EX 2-Dr Coupe | $196 | $462 | $570 | $34 | $170 | $1,432 | $119 |
| Accord LX-S 2-Dr Coupe | $196 | $462 | $570 | $34 | $170 | $1,432 | $119 |
| Accord EX-L 2-Dr Coupe | $220 | $462 | $570 | $34 | $170 | $1,456 | $121 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Prices do not factor in zip code location which can modify price quotes significantly.
Selecting a high-quality insurance provider can be rather challenging considering how many choices there are in Miami. The ranking information in the next section could help you select which auto insurers you want to consider to insure your vehicles. These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Florida business will not be included in these rankings.
Top 10 Large Auto Insurance Companies in Miami Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurance Companies in Miami Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Discount Miami car insurance
Car insurance companies that provide coverage for a Honda Accord may have premium discounts that may potentially lower prices by 35% or more if you qualify for them. A few popular companies and a partial list of their discounts are outlined below.
- GEICO offers discounts for driver training, military active duty, multi-policy, membership and employees, anti-lock brakes, and five-year accident-free.
- Auto-Owners Insurance offers premium reductions for paid in full, multiple vehicles, company car, air bags, good student, and student away at school.
- American Family discounts include Steer into Savings, multi-vehicle, good driver, early bird, and air bags.
- Esurance may have discounts that include anti-theft, claim free, good driver, multi-car, and defensive driver.
- Progressive policyholders can earn discounts including online quote discount, multi-vehicle, continuous coverage, multi-policy, good student, homeowner, and online signing.
- State Farm includes discounts for Steer Clear safe driver discount, anti-theft, defensive driving training, accident-free, and passive restraint.
- AAA offers discounts including multi-policy, pay-in-full, good student, AAA membership discount, anti-theft, and multi-car.
The example below visualizes the comparison of insurance costs with and without discounts. The premiums assume a female driver, no accidents or driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, accident-free, multiple policy, claim-free, homeowner, and passive restraint discounts applied. In this example, theaverage yearly reduction on car insurance for a Honda Accord is 28% or $632.
The diagram below illustrates how your choice of deductibles can impact insurance prices when getting quotes for cheap insurance for a Honda Accord. The price estimates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
A 40-year-old driver could cut expenses by $286 a year by changing from a $100 deductible to a $500 deductible, or save $432 by selecting a $1,000 deductible. Younger drivers, such as the Age 20 example, could reduce their rates up to $708 or even more by choosing a higher deductible.
When using a larger deductible, it is a good idea to have plenty of savings on hand to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
If you aren’t sure which coverage to buy and prefer to have the advice of a professional agent when shopping for the best coverage for a Honda Accord, the insurance agencies listed below are willing to help you determine which coverages are best.
To locate a Miami auto insurance agent in your neighborhood, click the link after the list or click here to compare price quotes.
- GEICO Insurance Agent
8514 SW 8th St – Miami, FL 33144 – (305) 595-2911 - AV Insurance Agency Inc
2497 NW 79th St – Miami, FL 33147 – (305) 696-2291 - Cari Insurance Agency Inc.
12890 NW 7th Ave – Miami, FL 33168 – (305) 685-0305 - Miami International Insurance Agency
2200 SW 16th St, Suite 212 – Miami, FL 33145 – (305) 856-3333 - Ekono Insurance Agency
11626 NE 2nd Ave – Miami, FL 33161 – (305) 757-6767
View more Miami, FL insurance agencies
Ideas to find more affordable car insurance for a Honda Accord
Lowering your rates is not difficult, and here are some penny-pinching ideas that can help you get more affordable car insurance.
- Do not pay for comprehensive and collision coverage on older vehicles
- Maintaining good credit helps earn cheaper rates
- Accident-free drivers may qualify for discounts
- Be a cautious driver
- Raise physical damage deductibles
- Drive safe vehicles
- Compare prices as often as possible
That final tip is very crucial, as we noted in this write-up. Prices in Miami go up and down frequently, so don’t be tentative to buy from a different company if a more affordable rate is found.
Staying with the same company for years is fine, but it isn’t a good idea if your bullheadedness ends up costing you a fortune every year. Take a couple minutes and compare prices to find cheaper auto insurance for a Honda Accord.