Cheap Insurance Quotes for a Honda Accord in Wisconsin

Cheap Insurance Quotes for a Honda Accord in Wisconsin

Your odds of finding cheap car insurance for a Honda Accord in Wisconsin depends on a complicated equation that takes into consideration things such as your date of birth, whether or not you have had gaps between policies, and violations on your driving record. Drivers in Wisconsin will pay on average $670 every 12 months to insure an Accord, but that price is that uses rate data for a 30-year-old married female that includes full comprehensive and collision coverage and $250 deductibles.

It’s highly likely that you are not a 30-year-old female, single instead of married, or maybe you just want different deductibles. Just a minor change in the criteria used to calculate rates may result in significant differences in how much coverage for a Honda Accord costs.

Every car insurance policy is unique to the driver, so your best chance at finding the most affordable coverage for your Honda is to get into the habit of comparing rates once a year. Quotes only take a few minutes and you can get rates from top-rated companies in Wisconsin.

View Honda Accord Insurance Rates

The specific trim level will have an impact the insurance rate, so the rate you pay to insure a Accord LX 4-Dr Sedan model will cost $238 less than the insurance cost for the higher-priced Accord EX-L 2-Dr Coupe model, as shown in the chart below.

Honda Accord Insurance Rates in Wisconsin
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $150 $242 $200 $12 $60 $664 $55
Accord EX 4-Dr Sedan $150 $242 $200 $12 $60 $664 $55
Accord LX-P 4-Dr Sedan $150 $242 $200 $12 $60 $664 $55
Accord EX-L 4-Dr Sedan $172 $294 $200 $12 $60 $738 $62
Accord EX 2-Dr Coupe $172 $346 $266 $16 $80 $880 $73
Accord LX-S 2-Dr Coupe $172 $346 $266 $16 $80 $880 $73
Accord EX-L 2-Dr Coupe $194 $346 $266 $16 $80 $902 $75
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in zip code location which can modify rates significantly.

Finding dependable, reasonably-priced insurance is hard enough, and figuring out which company quotes the best car insurance rates for a Honda Accord involves additional perseverance.

Each insurance company uses their own calculation for setting prices, so to begin we’ll rank the lowest cost car insurance companies in Wisconsin.

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Cheapest Wisconsin car insurance ranked by price
Rank Company Cost Per Year
1 USAA $586
2 Partners Mutual $632
3 Erie $724
4 Pekin Insurance $745
5 Nationwide $745
6 Rockford Mutual $746
7 Rural Mutual Insurance $749
8 Integrity Mutual $794
9 Western National $801
10 Travelers $820
11 West Bend Mutual $890
12 State Farm $905
13 General Casualty $926
14 The Hartford $940
15 Auto Club Group $977
16 Progressive $1,130
17 Auto-Owners $1,148
18 American Family $1,159
19 Farmers $1,176
20 GEICO $1,190
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USAA normally has some of the lowest car insurance rates in Wisconsin at around $586 annually. Partners Mutual, Erie, Pekin Insurance, and Nationwide would also be considered some of the cheaper Wisconsin auto insurance companies.

As depicted above, if you are a policyholder with Erie and switched to USAA, you could realize a yearly savings of upwards of $138. Policyholders with Pekin Insurance may save as much as $159 a year, and Nationwide customers might lower prices by up to $159 a year.

To find out how your current rates compare, click here to begin a quote or quote prices from the following companies.

Be aware that those rates are averaged for all drivers and vehicles in Wisconsin and do not take into consideration a specific rate factor for a Honda Accord. So the car insurance company that can offer the best rates for your situation may not even be shown in the above list. That helps illustrate why you need to get rate quotes from many companies using your own driver data and vehicle information.

Discount Wisconsin car insurance

Save on car insurance for an Accord in WisconsinAuto insurance companies that offer cheap insurance for a Honda Accord in Wisconsin could also offer special discounts that could reduce prices by as much as 30% if you qualify. Companies and a summarized list of policyholder discounts can be read below.

Car Insurance Discounts Available
Discount State Farm Geico Progressive Allstate
Multi-policy Yes Yes Yes Yes
Multiple vehicles Yes Yes Yes No
Anti-theft Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes
Passive restraint Yes Yes No Yes
Running lights Yes Yes No No
New car Yes No No Yes
Eco vehicle No No No Yes
No accidents Yes Yes Yes Yes
Defensive driver Yes Yes Yes Yes
Low miles Yes No Yes Yes
Military Yes Yes Yes No
Employment No Yes No No
Full payment No Yes Yes Yes
Automatic payment No Yes Yes Yes
Brand loyalty Yes No Yes No
Good student Yes Yes Yes Yes
Student at college Yes No Yes Yes
Own your home No No Yes No
Seat belt usage No Yes No No
Quote online No No Yes No
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The example below shows the comparison of yearly insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no driving violations, no at-fault accidents, Wisconsin state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, marriage, vehicle safety, multiple vehicle, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Honda Accord is 42% or $668.

Difference between liability only and full coverage rates

Finding cheap insurance for a Honda Accord in Wisconsin is probably important to most people, and one of the easiest ways to buy cheaper insurance is to buy liability only. The information below visualizes the comparison of premium costs with and without physical damage coverage. The data is based on no claims, a clean driving record, $250 deductibles, single marital status, and no discounts are applied.

As an average, full coverage on your policy costs $1,650 per year more than carrying just liability coverage. At some point, about every driver wonders when is it safe to stop buying full coverage. There is no exact formula of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then it could be time to drop full coverage.

There are a few situations where only buying liability is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.

Tips for buying budget-friendly insurance for a Honda Accord

The list below details some of the better money-saving suggestions that can help Wisconsin drivers get the cheapest coverage.

  • Multi-policy discounts save money
  • Pay lower rates with good credit
  • If possible, pay for small claims out-of-pocket
  • Having at-fault accidents will increase rates
  • Maintain a clean driving record
  • Increase your physical damage deductibles
  • Compare quotes from other companies often

That last tip is extremely crucial, as we noted in this piece. Insurance rates adjust frequently, so you should be ready to buy a different policy if you find a better deal.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you a lot of money every month. In less than five minutes you could compare prices and find cheaper insurance for a Honda Accord.

Allstate, State Farm, Progressive, or Geico: Who is best?

When it comes to buying insurance for an Accord in Wisconsin, four companies to consider are Allstate, State Farm, Progressive, and Geico. The following table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages offered by each one.

Top U.S. Car Insurance Company Ratings
Allstate State Farm Progressive Geico
Customer Satisfaction 2nd 4th 3rd 1st
Price Ranking 4th 2nd 3rd 1st
Discounts Offered 1st 3rd 4th 2nd
Claims Service 1st 2nd 4th 3rd
Market share percentage 10% 18.3% 8.8% 11.4%
Coverage for ridesharing Yes Yes Yes Yes
Accident forgiveness coverage Yes No Yes Yes
Mechanical breakdown insurance No No Yes Yes
Rate for vehicle usage Yes Yes Yes No
New car replacement insurance Yes No No No
Emergency roadside service Yes Yes Yes Yes
Insure in Wisconsin Yes Yes Yes Yes
Where you can buy Allstate-only agents State Farm-only agents Buy online or from an independent agent Online or through a Geico agent
Number of agents 11,000+ 18,000+ 30,000+ 150+
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