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Cheapest Honda Accord Car Insurance (Oct 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Honda Accord
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Andrea Barrett
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does Honda Accord car insurance cost? 

On average, Honda Accord drivers spend $100 each month on state minimum
car insurance
and $185 per month for full coverage. Compared to other popular cars like the
Toyota Camry
,
Hyundai Sonata
, and
Nissan Altima
, the Honda Accord is -- expensive to insure. 
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Honda Accord insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes.

Compare the cheapest Honda Accord car insurance quotes

This may feel complicated, but it doesn’t have to be.
Jerry
is a
car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Honda Accord drivers save an average of $1,600 per year on their car insurance. 
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
October 16, 2024
Honda Accord EXLNationwide
$99
• 100,000/300,000 Liability
• Comp / Collision
October 12, 2024
Honda Accord EXLAAA
$149
• 50,000/100,000 Liability
• Comp / Collision
October 3, 2024
Honda Accord EXLTravelers
$236
• State Minimum Liability
• Comp / Collision
October 1, 2024
Honda Accord EXBristol West
$135
• State Minimum Liability
• Comp / Collision
September 28, 2024
Honda Accord Sport SpecialSafeco
$144
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 16, 2024
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Honda Accord, you’ll need to
get car insurance quotes
from at least three insurance companies.

The best car insurance companies for Honda Accord owners

There’s no single best insurance company for all Honda Accord owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
But that doesn’t mean we can’t find the best insurance company for you
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Honda Accord?

The average cost of Honda Accord insurance is $185 per month for full coverage and $100 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more. 
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Honda Accord
$185
$100
  • Minimum coverage insurance
    is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance. 
  • Full coverage insurance
    provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is
the best way to shop for insurance
. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Each trim level of the Honda Accord has unique features that can increase or decrease car insurance rates. Generally speaking, the more expensive the car is, the more you’ll pay for insurance. 
Simply put: Higher trim levels have larger and more powerful engines that, in the eyes of insurance companies, increase the risk of being involved in an accident. On the other hand, more tech and luxury features like a 12-speaker Bose audio system and head-up display cost more to repair or replace.
A higher Manufacturer’s Suggested Retail Price (MSRP) and additional features also drive up the cost of insurance for higher trim levels—but if you choose these features as options on a lower trim level, they can also increase insurance rates. For example, adding the HPD™ Styling Package to an Accord EX or LX could result in a higher insurance rate than you’d pay for an EX-L
Check out the table below to see the average cost of auto insurance for some popular Honda Accord trims.
CarMonthly minimum coverage costMonthly full coverage cost
Accord Honda Crosstour EX
$94
$165
Accord Honda Crosstour EXL
$104
$193
Accord Honda DX
$96
$151
Accord Honda EX
$96
$172
Accord Honda EXL
$102
$187
Accord Honda Hybrid
$107
$200
Accord Honda Hybrid EX
$112
$206
Accord Honda Hybrid EXL
$93
$174
Accord Honda Hybrid Sport
$133
$224
Accord Honda LX
$101
$183
Accord Honda LX-S
$110
$203
Accord Honda LXP
$91
$190
Accord Honda SE
$98
$161
Accord Honda Sport
$108
$198
Accord Honda Touring
$107
$189
Accord Honda Touring Hybrid
$103
$187
Accord Honda Value
$96
$192

How does horsepower affect insurance costs?

Along with trim, there are also power factors to consider when it comes to the cost of Accord insurance. 
For example, the Accord EX and LX are equipped with turbocharged 1.5L four-cylinder engines producing 192 horsepower and 192 lb-ft of torque. If you upgrade to the Sport, EX-L, Sport-L, or Touring, you get a hybrid powertrain with a 2.0-L non-turbocharged four-cylinder engine with 204 hp and 247 lb-ft of torque. With a more powerful engine and the addition of a hybrid powertrain, insurance costs will typically increase due to higher repair and replacement costs. 
Hybrid vehicles like the Accord Sport, EX-L, Sport-L, or Touring might be better for the environment, but they typically cost more to insure. Insurers know that while hybrid drivers may save on fuel, they tend to put on more miles, leading to a higher risk of accidents. Combine that with higher repair costs for hybrid engines, and there’s a good chance of higher insurance costs.
Lower my car insurance too!

Honda Accord insurance cost by model year

The more recently your Honda Accord was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Honda Accords provided by Jerry to better understand how your driver profile might affect your cost.

2023 Honda Accord car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here's what Jerry drivers pay to insure their 2023 Honda Accord:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2023
Honda Accord EX
Progressive
$147
• 50,000/100,000 Liability
• Comp / Collision
2023
Honda Accord Hybrid EXL
Safeco
$77
• State Minimum Liability
2023
Honda Accord EX
Bristol West
$117
• 100,000/300,000 Liability
2023
Honda Accord EX
Gainsco
$172
• State Minimum Liability
2023
Honda Accord EX
The General
$293
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 15, 2024

2022 Honda Accord car insurance quotes

It's important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Honda Accord drivers below:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2022
Honda Accord Hybrid Sport
Safeco
$227
• 50,000/100,000 Liability
• Comp / Collision
2022
Honda Accord Touring Hybrid
Travelers
$102
• 100,000/300,000 Liability
• Comp / Collision
2022
Honda Accord Sport
Nationwide
$256
• 100,000/300,000 Liability
• Comp / Collision
2022
Honda Accord Sport
National General
$372
• State Minimum Liability
• Comp / Collision
2022
Honda Accord Sport SE
Gainsco
$345
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 11, 2024

2021 Honda Accord car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Honda Accord:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2021
Honda Accord Hybrid EXL
Progressive
$445
• 50,000/100,000 Liability
• Comp / Collision
2021
Honda Accord Sport
Nationwide
$257
• 100,000/300,000 Liability
• Comp / Collision
2021
Honda Accord Sport SE
Safeco
$233
• State Minimum Liability
• Comp / Collision
2021
Honda Accord Sport
Bristol West
$225
• State Minimum Liability
• Comp / Collision
2021
Honda Accord Sport SE
Gainsco
$253
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 13, 2024
If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Honda Accord with our real quote examples below:

2020 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2020
Honda Accord Hybrid EX
Progressive
$211
• State Minimum Liability
• Comp / Collision
2020
Honda Accord Sport
Nationwide
$211
• 50,000/100,000 Liability
• Comp / Collision
2020
Honda Accord Sport
AAA
$361
• 100,000/300,000 Liability
• Comp / Collision
2020
Honda Accord Sport
Travelers
$106
• State Minimum Liability
• Comp / Collision
2020
Honda Accord EXL
Mercury
$131
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Oct 10, 2024

2019 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2019
Honda Accord Sport
Allstate
$129
• 50,000/100,000 Liability
• Comp / Collision
2019
Honda Accord Touring Hybrid
Nationwide
$132
• 100,000/300,000 Liability
• Comp / Collision
2019
Honda Accord EXL
Travelers
$127
• State Minimum Liability
• Comp / Collision
2019
Honda Accord Hybrid EX
AAA
$210
• 25,000/50,000 Liability
• Comp / Collision
2019
Honda Accord LX
Safeco
$197
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 15, 2024

2018 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2018
Honda Accord Sport
National General
$282
• 50,000/100,000 Liability
• Comp / Collision
2018
Honda Accord LX
Bristol West
$126
• 100,000/300,000 Liability
• Comp / Collision
2018
Honda Accord Sport
State Auto
$82
• State Minimum Liability
2018
Honda Accord Sport
Mercury
$199
• 100,000/300,000 Liability
• Comp / Collision
2018
Honda Accord EXL
Infinity
$103
• State Minimum Liability
coverageLast Updated Oct 13, 2024

2017 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2017
Honda Accord EXL
Progressive
$177
• No Coverage Liability
• Comp / Collision
2017
Honda Accord LX
Travelers
$271
• 50,000/100,000 Liability
• Comp / Collision
2017
Honda Accord Sport
AAA
$168
• 100,000/300,000 Liability
• Comp / Collision
2017
Honda Accord Sport
Allstate
$181
• State Minimum Liability
• Comp / Collision
2017
Honda Accord Sport Special
Safeco
$144
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 15, 2024

2016 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2016
Honda Accord LX
Allstate
$222
• 50,000/100,000 Liability
• Comp / Collision
2016
Honda Accord LX
Travelers
$148
• 100,000/300,000 Liability
• Comp / Collision
2016
Honda Accord Sport
Safeco
$110
• State Minimum Liability
• Comp / Collision
2016
Honda Accord LX
AAA
$247
• State Minimum Liability
• Comp / Collision
2016
Honda Accord LX
National General
$102
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 14, 2024

2015 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2015
Honda Accord LX
Plymouth Rock
$207
• 50,000/100,000 Liability
• Comp / Collision
2015
Honda Accord Sport
National General
$210
• 100,000/300,000 Liability
• Comp / Collision
2015
Honda Accord EX
Infinity
$158
• State Minimum Liability
• Comp / Collision
2015
Honda Accord LX
Bristol West
$146
• State Minimum Liability
• Comp / Collision
2015
Honda Accord EXL
Clearcover
$63
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated Oct 12, 2024

2014 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2014
Honda Accord Sport
AAA
$99
• 50,000/100,000 Liability
• Comp / Collision
2014
Honda Accord EX
Allstate
$115
• State Minimum Liability
2014
Honda Accord EX
Nationwide
$99
• 50,000/100,000 Liability
• Comp / Collision
2014
Honda Accord Sport
Infinity
$159
• State Minimum Liability
• Comp / Collision
2014
Honda Accord LX
Bristol West
$187
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 16, 2024

2013 Honda Accord car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
2013
Honda Accord EXL
Safeco
$386
• 50,000/100,000 Liability
• Comp / Collision
2013
Honda Accord EXL
Travelers
$236
• State Minimum Liability
• Comp / Collision
2013
Honda Accord EXL
State Auto
$75
• 100,000/300,000 Liability
2013
Honda Accord EX
Bristol West
$413
• State Minimum Liability
• Comp / Collision
2013
Honda Accord LX
Plymouth Rock
$169
• 15,000/30,000 Liability
coverageLast Updated Oct 14, 2024

Are Honda Accords expensive to insure? 

The average Honda Accord insurance rate is $100 per month. Compared to the national average for other models from a similar price range, it is -- expensive to insure a Honda Accord
Model
Avg. Minimal Coverage Insurance Cost
Avg. Full Coverage Insurance Cost
$111
$237
$116
$243
$114
$344
$114
$258
$123
$268
$84
$175
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Is Honda Accord maintenance expensive?

The Accord is one of Honda’s original cars and is designed to provide drivers with a comfortable and safe driving experience, meaning it should require relatively little maintenance in the first five years of ownership. But like any vehicle, routinely scheduled maintenance is key to extending its life and ensuring smooth operation. 
According to J.D. Power, the Honda Accord has an above-average reliability score of 80/100 and ranks first in reliability for mid-size cars. The average cost for repairs and maintenance on a Honda Accord is $400—lower than the average of $526 for midsize cars and $652 for all vehicle models.
Honda provides a routine maintenance schedule beginning at 7,500 miles all the way to 120,000 miles that is designed to help you protect your vehicle and ensure optimal working conditions for the entirety of its life. 
Newer Honda Accords are equipped with Honda Maintenance Minder—an algorithm-based, on-board computer that alerts drivers when maintenance is required. If a Maintenance Minder Code appears, have your Accord serviced to reduce future maintenance and repair costs.

Honda Accord safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums. 
The two best-known vehicle safety rating organizations are:
  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests. 
See the tables below for a detailed look at safety ratings for the Honda Accord.

Insurance Institute for Highway Safety (IIHS) Rating

Rating typeRating
Small overlap front: driver-side
Good
Small overlap front: passenger-side
Good
Moderate overlap front: original test
Good
Side: updated test
Good
Headlights
Good
Front crash prevention: vehicle-to-pedestrian (day)
Superior
Front crash prevention: vehicle-to-pedestrian (night)
Advanced
Seat belt reminders
Good
LATCH ease of use
Good

Honda Accord safety features 

The safety features of a model will also impact your insurance costs. 
A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features. 
The Honda Accord has a variety of safety features. Learn more about them below.
Safety featureDescription
Stability control
Stability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Side impact airbags
Side impact airbags for the front and rear seats have been designed to protect the torso during a side impact collision.
Anti-lock brakes
ABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate.This increases the vehicles ability to turn while braking.
Front-impact airbags
Front-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
Security system
The vehicle is equipped with a means of anticipating and/or detecting unwanted vehicle intrusion. The vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Overhead airbags
Overhead airbags are used to protect the occupant's heads in the event of a side collision or rollover.
Pretensioners
Seatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Knee airbags
Knee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.

What other factors affect Honda Accord insurance rates?

Many factors influence your
car insurance rate
, such as:
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Honda Accord insurance cost for young drivers

Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.
card cover
Christine (22 years old)
coverageCoverage
State Minimum
carHonda Accord EXL
$207
per month
card cover
Minerva (24 years old)
coverageCoverage
State Minimum
locationWyncote, PA
carHonda Accord LX
$128
per month
card cover
Amanda (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carHonda Accord EXL
$391
per month
card cover
Elsie (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carHonda Accord EXL
$202
per month
card cover
Laura (24 years old)
coverageCoverage
State Minimum
carHonda Accord LX
$225
per month

Honda Accord insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. 
Car insurance rates for seniors
 tend to be higher for several reasons. 
Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
card cover
Elijah (91 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Accord LX
$109
per month
card cover
Marvin (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationFenton, MO
carHonda Accord Sport SE
$149
per month
card cover
Frank (70 years old)
coverageCoverage
State Minimum
carHonda Accord Hybrid Sport
$143
per month
card cover
Madge (84 years old)
coverageCoverage
State Minimum
locationOakland, CA
carHonda Accord LX
$97
per month
card cover
Clearcover
Violet (80 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carHonda Accord EXL
$61
per month

Honda Accord insurance cost for drivers with driving violations 

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.  
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Honda Accord drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. 
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Honda Accord drivers obtain affordable auto insurance rates after a DUI.
card cover
Stella (43 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$48
per month
card cover
Jesus (36 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$69
per month

Cheapest car insurance for Honda Accord drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history. 
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Honda Accord drivers save on car insurance after car accidents.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
["Not At Fault"]
Honda Accord EXProgressive
$136
• State Minimum Liability
• Comp / Collision
[]
Honda Accord Sport SpecialSafeco
$144
• State Minimum Liability
• Comp / Collision
[]
Honda Accord Hybrid Sport-LAAA
$208
• 25,000/50,000 Liability
["At Fault With Injury"]
Honda Accord EXLTravelers
$143
• 100,000/300,000 Liability
• Comp / Collision
["Not At Fault"]
Honda Accord EX
Gainsco
$151
• No Coverage Liability
coverageLast Updated Oct 14, 2024

Cheapest car insurance for Honda Accord drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase. 
We’ve compiled a list of various other driving violations and how we helped Honda Accord drivers with these violations save on their car insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Honda Accord LXProgressive
$221
• 30,000/60,000 Liability
• Comp / Collision
Defective Equipment
Honda Accord SportAAA
$282
• 15,000/30,000 Liability
• Comp / Collision
Failure to Obey Signal
Honda Accord Sport SESafeco
$147
• State Minimum Liability
• Comp / Collision
Wrong Way/Wrong Lane
Honda Accord EXBristol West
$178
• State Minimum Liability
Cell Phone
Honda Accord LXTravelers
$492
• 100,000/300,000 Liability
• Comp / Collision
Careless Driving
Honda Accord SEState Auto
$322
• State Minimum Liability
Driving on Sus. License
Honda Accord EXLAllstate
$122
• State Minimum Liability
• Comp / Collision
Failure to Yield
Honda Accord EX
Gainsco
$191
• State Minimum Liability
Seat Belt
Honda Accord EXAAA
$129
• 15,000/30,000 Liability
• Comp / Collision
Improper Passing
Honda Accord SportSafeco
$124
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Oct 15, 2024

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle. 
  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your
    car insurance deductible
    is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can
    reduce coverage
    on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on. 
  • Bundle your insurance policies:
    Bundling your homeowners and auto insurance
    with the same company can amount to a lower overall bill. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
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Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.