Who Has Affordable Car Insurance Quotes for a Honda Accord in Henderson?

Buying economical coverage for a Honda Accord doesn’t take a ton of time, but it relies on a complex formula that considers things such as how far you drive to work, whether you are claim-free, and driving violations. Nevada drivers pay on average $1,243 each year for Accord insurance, but that figure is an estimation calculated using a 30-year-old single female driver with full comprehensive and collision coverage and $100 deductibles.

Most likely you are not 30 and maybe not even a female, possibly married instead of single, or maybe you are just looking for cheap liability insurance. This example demonstrates why the best method for finding affordable rates for your Honda is to just take the time to compare rates yourself.

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Your Honda’s trim level will most likely have an effect on the coverage cost, so the price to insure a Accord LX 4-Dr Sedan trim level will be $444 cheaper than the cost to insure the higher-priced Accord EX-L 2-Dr Coupe trim level, as shown in the chart below.

Honda Accord Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $256 $484 $354 $20 $106 $1,220 $102
Accord EX 4-Dr Sedan $256 $484 $354 $20 $106 $1,220 $102
Accord LX-P 4-Dr Sedan $256 $484 $354 $20 $106 $1,220 $102
Accord EX-L 4-Dr Sedan $294 $590 $354 $20 $106 $1,364 $114
Accord EX 2-Dr Coupe $294 $694 $470 $28 $140 $1,626 $136
Accord LX-S 2-Dr Coupe $294 $694 $470 $28 $140 $1,626 $136
Accord EX-L 2-Dr Coupe $332 $694 $470 $28 $140 $1,664 $139
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in specific Henderson garaging location which can influence premium rates substantially.

Buying coverage from the right insurance company can be challenging considering how many companies there are in Henderson. The company information in the next section can help you analyze which car insurance companies to look at comparing price quotes from. These rankings are for companies that write coverage in many states, so companies that focus mainly on Nevada business are not taken into consideration for this list.

Top 15 Car Insurance Companies for a Honda Accord in Nevada
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
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
Esurance 85 80 95 87% A+ 85.9
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Data Source: Insure.com Best Car Insurance Companies

The illustration below demonstrates how deductibles can raise or lower insurance premiums when searching for cheap insurance for a Honda Accord. The premiums assume a married female driver, full physical damage coverage, and no other discounts are factored in.

A 50-year-old driver could save $210 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $318 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could drop their prices $522 each year just by choosing larger deductibles.

If you do decide to increase 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 shortcoming of high deductibles.

Here’s why you should compare rates often

Nevada car insurance rates are influenced by many factors that may substantially change the cost of your policy. Simply improving your credit, getting divorced, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being more affordable than others. Not only may things change on your end, but auto insurance companies file new rates as often as every three months in order to offset underwriting gains or losses. An extended period of higher than normal claims can result in rate increases, while a better claims history may cause cheaper Accord insurance rates.

The bar chart below shows a variety of companies that have the cheapest car insurance in Henderson, NV for a 40-year-old female driver with a clean driving record, no accidents, and good financial standing. If we compare prices based on her current situation, Allied might quote the cheapest car insurance rates in Henderson at $1,469 a year. This is $105 less than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive are the rest of the best Henderson, NV auto insurance companies.

The next chart shows rates after we give the driver from the above example an accident claim, bad credit, and a blemish on her driving record. Due to the fact that every auto insurer has a proprietary formula for determining rates in each state, comparing rates most likely will result in a slightly different list of the cheapest Henderson car insurance companies as shown below.

GEICO now has the best insurance rate in Henderson with Travelers, USAA, Safeco, and Nationwide completing the list. This demonstrates why Henderson drivers need to compare many different companies when trying to find the most budget-friendly auto insurance quotes for a Honda Accord. Car insurance prices can be altered by many risk factors and change substantially, so the best company the last time you shopped your coverage around may now be quite expensive.