Who Has Cheap Arlington Auto Insurance for a Honda Accord?

Buying cheap coverage for a Honda Accord in Texas is usually pretty straightforward, but it depends on a lot of rating factors such as how far you commute, the condition of your credit, and your choice of physical damage deductibles. Drivers in Texas pay around $1,242 annually to insure their Accord, but that figure is an estimate based on a 50-year-old single female driver with full coverage and $100 deductibles.

But there is a good chance that you are not 50 and maybe not even a female, you might be married instead of single, and maybe your Accord is older and does not require full coverage. Even a minor change in rating factors or requested coverage amount could end up with a large change in the policy rate.

Everone’s needs are different, and this illustrates why the only way to find cheap car insurance rates for your Honda is to do the rate comparisons yourself.

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The specific trim level will have an impact price, so the price to insure a Accord LX 4-Dr Sedan model will cost $442 less than the price to insure the more expensive Accord EX-L 2-Dr Coupe version, as shown in the prices below.

Honda Accord Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $246 $476 $366 $22 $110 $1,220 $102
Accord EX 4-Dr Sedan $246 $476 $366 $22 $110 $1,220 $102
Accord LX-P 4-Dr Sedan $246 $476 $366 $22 $110 $1,220 $102
Accord EX-L 4-Dr Sedan $282 $580 $366 $22 $110 $1,360 $113
Accord EX 2-Dr Coupe $282 $684 $486 $28 $146 $1,626 $136
Accord LX-S 2-Dr Coupe $282 $684 $486 $28 $146 $1,626 $136
Accord EX-L 2-Dr Coupe $318 $684 $486 $28 $146 $1,662 $139
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price information does not factor in specific location information which can raise or lower premium rates noticeably.

Ending up with a good quality insurer can be rather challenging considering how many companies there are in Arlington. The company rank data shown next can help you select which coverage providers you want to consider putting your business with. These rankings only include companies who write in the majority of U.S. states, so companies with more of a regional focus will not be included in the list.

Top 10 Major Auto Insurance Companies in Arlington Ranked by A.M. Best Rating

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

Top 10 Major Auto Insurance Companies in Arlington Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

The illustration below illustrates how your choice of deductibles can impact insurance costs when getting quotes for cheap insurance for a Honda Accord. The information is based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

The data above shows that a 40-year-old driver could pocket $318 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $480 by selecting a $1,000 deductible. Young drivers, like the Age 20 category, could roll back prices $1,060 annually by using a higher deductible. If you do decide to increase your deductibles, it is a good idea to have enough in a savings account to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Full coverage versus liability-only in Arlington

Lowering the price of car insurance is probably important to the majority of drivers, and one easy way to find cheap insurance for a Honda Accord is to buy liability only. The chart below shows the difference between premium costs with full coverage compared to only the Texas minimum liability coverage. The data is based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

If we average the cost for all age groups, comp and collision coverage costs $2,210 per year over liability only. That touches on the question when is the right time to remove full coverage. There is no specific rule that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

Tips for buying the cheapest auto insurance for a Honda Accord

It is possible to find better rates, and here are a few penny-pinching suggestions that can help drivers get cheaper auto insurance.

That last tip is incredibly valuable, as was noted in the article above. Rates fluctuate constantly, so don’t be unwilling to change insurance companies if a cheaper price is available.

Many drivers tend to have loyalty to a certain company, but we do not recommend it if it’s costing you money that could be used for better things. If you have a few minutes, compare rates and find cheaper insurance for a Honda Accord in Arlington.