Cheapest Insurance Quotes for a Honda Accord in Kentucky

Our editors have a joke that when writing about car insurance, the words “affordable” or “cheap” really should not be used anywhere to describe car insurance prices. Unfortunately, cheap car insurance for a Honda Accord may be a thing of the past. But don’t despair, because we will show you how you can find and buy car insurance that is easy on your budget.

The chances of finding cheaper car insurance for a Honda Accord in Kentucky relies on many different factors like the number of years you have been driving, if you have a coverage lapse, and your driving record. Drivers on average pay approximately $850 every 12 months for Accord insurance, but that amount is an approximation calculated using a 30-year-old married male driver who needs both comprehensive and collision coverage and $500 policy deductibles.

There is a good possibility you are not exactly 30 years old and possibly not even male, possibly single instead of married, or maybe your Accord is a different trim level than the example. Everyone has different rating factors, so your best shot at finding the most affordable coverage for your Honda is to make a habit of comparing prices at least once a year. Do a quick rate comparison now and you will be able to compare rates from top-rated car insurance companies that sell coverage in Kentucky.

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Vehicle trim level tends to impact the cost of insurance, so the rate you pay to insure a Accord LX 4-Dr Sedan will be $298 cheaper than the price to insure the higher-priced Accord EX-L 2-Dr Coupe model, as shown in the chart below.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can affect price quotes substantially.

Finding out which companies quote the most affordable auto insurance rates for a Honda Accord may require a bit more work than just picking a company at random. Each insurance company uses different criteria for determining rates in each state, so we will examine the most affordable auto insurance companies in Kentucky.

It’s important to know that Kentucky auto insurance rates are influenced by many factors that may substantially change the price you pay. Simply having another birthday, getting married, or having an at-fault accident may cause policy rate changes that can now make some companies affordable when they were higher priced.

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google.charts.setOnLoadCallback(drawKYT5qcibChart);function drawKYT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Cincinnati Insurance’, 1126, ‘#FF9333’], [‘Kentucky Farm Bureau’, 1163, ‘#D47A2A’], [‘USAA’, 1211, ‘#B06523’], [‘Auto-Owners’, 1399, ‘#92541D’], [‘Grange Mutual’, 1561, ‘#794618’]]);var options = {title: ‘Top Five Low-Priced Auto Insurance Companies in Kentucky’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1661,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Cincinnati Insurance may offer some of the most affordable car insurance rates in Kentucky at around $1,126 per year. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual also are some of the lowest-priced Kentucky car insurance companies.

As the rates illustrate above, if you currently buy coverage from Kentucky Farm Bureau and switched to Cincinnati Insurance, you may realize annual savings of in the neighborhood of $37. Drivers with USAA could save as much as $85 a year, and Auto-Owners policyholders might lower prices by up to $273 a year.

Be aware that those policy prices are averaged across all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Honda Accord. So the company that can offer the best rates for your situation may not even be in the company chart above. That affirms the importance of why you need to get car insurance quotes using your own individual information.

Get discount Kentucky insurance rates

Insurance providers that offer the cheapest insurance for a Honda Accord in Kentucky may also give you special discounts that could lower prices by as much as 40% or more if you qualify. Larger auto insurance companies and their offered discounts are detailed below.

• State Farm may offer discounts for good driver, multiple autos, passive restraint, driver’s education, accident-free, anti-theft, and multiple policy.
• GEICO may have discounts that include multi-policy, emergency military deployment, military active duty, air bags, seat belt use, anti-theft, and defensive driver.
• Progressive offers premium reductions for homeowner, multi-vehicle, good student, continuous coverage, online signing, multi-policy, and online quote discount.
• 21st Century includes discounts for homeowners, student driver, defensive driver, theft prevention, teen driver, driver training, and 55 and older.
• American Family has discounts for early bird, good driver, defensive driver, accident-free, Steer into Savings, multi-vehicle, and TimeAway discount.
• The Hartford policyholders can earn discounts including defensive driver, anti-theft, good student, air bag, bundle, vehicle fuel type, and driver training.
• AAA offers discounts including pay-in-full, multi-policy, anti-theft, AAA membership discount, and good student.

The example below illustrates the comparison of auto insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving violations, Kentucky state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with anti-theft, homeowner, accident-free, multiple vehicle, multiple policy, and passive restraint discounts applied. When discounts are applied, the the average yearly reduction on auto insurance for a Honda Accord is 28% or $451.

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Progressive, State Farm, Geico, and Allstate compared

If you are looking for the best insurance for an Accord in Kentucky, four companies to take a look at are Progressive, State Farm, Geico, and Allstate. If you combine them together, they insure over 48% of all policies written in the United States. The data below illustrates price, claims, and customer service ratings, as well as some optional coverages that are available from each company.