How Much Does Insurance Cost for a Honda Accord in Nevada?

Your odds of finding cheaper car insurance for a Honda Accord in Nevada relies on a lot of things like whether you are married, your residence address, and any prior driving offenses. Drivers pay on average $910 every 12 months to buy Honda Accord insurance, but that amount is an estimation calculated based on a 30-year-old married male that wants both comprehensive and collision coverage and $250 policy deductibles.

It’s highly likely that you may not be 30 years old (or even male), maybe you are single instead of married, or maybe your Accord is old enough that it doesn’t require full coverage. This shows why your best shot at finding cheap car insurance rates for your Honda is to make a habit of comparing prices at least once a year. Get your free quotes now and you will receive rate quotes from the cheapest companies around.

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Vehicle trim level will most likely have an effect on the cost of coverage, so the price to insure a Accord LX 4-Dr Sedan model will be $318 less than the cost to insure the high end Accord EX-L 2-Dr Coupe model, as shown below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific Nevada garaging location which can influence auto insurance rates noticeably.

Best insurance company in Nevada

Buying coverage from the right insurance provider can be rather challenging considering how many companies there are to choose from in Nevada. The company ratings displayed below could help you analyze which car insurance providers to look at when comparing rates. The rankings below are for companies that insure vehicles across America, so smaller regional companies are not factored into the list.

Top 10 Large Car Insurance Companies in Nevada Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Nationwide – A+
8. Allstate – A+
9. Mercury Insurance – A+
10. Titan Insurance – A+

Top 10 Large Car Insurance Companies Overall in Nevada

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Top Companies for Honda Accord Insurance in Nevada

The diagram below highlights how deductible selection can change insurance premiums when searching for cheap insurance for a Honda Accord. The rates are based on a single female driver, full physical damage coverage, and no discounts are factored in.

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In the chart above, a 30-year-old driver could lower their policy premium by $280 a year by increasing from a $100 deductible up to a $500 deductible, or save $424 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can save as much as $620 every year just by using higher deductibles.

When using a larger deductible, it is necessary to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Should you buy full coverage?

Finding cheap insurance for a Honda Accord in Nevada is probably important to the majority of people, and a good way to save on the cost of insurance is to only buy liability insurance. The information below illustrates the difference between insurance costs with and without full coverage. The data assumes no tickets, no at-fault accidents, $500 deductibles, single status, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3327,1237],[‘Age 30’, 1723,679],[‘Age 40’, 1693,629],[‘Age 50’, 1547,589],[‘Age 60’, 1499,579],[‘Age 70’, 1851,773]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord in Nevada’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, physical damage coverage costs an additional $1,940 per year over and above liability coverage. Many drivers will wonder if it’s worth it to buy full coverage. There is no set rule for excluding physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

There are some situations where buying only liability insurance is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

How to find low-cost auto insurance for a Honda Accord

The list below details some of the better money-saving ideas that can help drivers quote more affordable car insurance.

• Having too many claims will increase rates substantially
• Bundle car and home insurance and save money
• Full coverage may not be needed on older vehicles
• Serious violations like DUI or reckless driving can increase rates dramatically
• Drive safe vehicles
• Drive attentively and avoid accidents
• Ensure you have the best deal by shopping around regularly

That last idea is remarkably critical, as we hit on in this piece. Auto insurance rates vary greatly, so don’t hesitate to switch to a new company if you find a better deal. We understand brand loyalty, but it isn’t a good idea if that dedication is costing potentially thousands of dollars a year. Take a few minutes and compare prices and find cheaper auto insurance for a Honda Accord.

Which car insurance company is best?

When shopping around for insurance for an Accord, the companies with the most market share are Progressive, State Farm, Geico, and Allstate. The next table rates price and claims rank as well as some different options offered by each company.