What Car Insurance is Cheapest for a Honda Accord in Pittsburgh?

Buying cheap car insurance for a Honda Accord in Pennsylvania is dependent upon a whole bunch of factors such as whether you are married or single, your address, and your driving record. Pennsylvania drivers pay approximately $828 per year for Accord insurance, but that is based on a 40-year-old married male driver with full physical damage coverage and $500 deductibles.

But there is a good chance that you are not 40 and maybe not even a male, single instead of married, or maybe you need higher liability limits than the state minimum. Even a minor change in the rating criteria used to formulate rates can make a big difference in the policy rate.

Every driver’s needs are different, and that is why the best method for finding cheap insurance prices for your Honda is to just compare rates yourself. In less than five minutes you can get rates from some of the most affordable companies that insure Honda vehicles in Pennsylvania.

Insure Your Honda for Less

The specific model of Accord can impact the cost of coverage, so the rate you will pay to insure a Accord LX 4-Dr Sedan will be $288 less expensive the insurance cost for the higher-priced Accord EX-L 2-Dr Coupe model, as shown by the rates below.

Honda Accord Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $164 $262 $288 $18 $86 $818 $68
Accord EX 4-Dr Sedan $164 $262 $288 $18 $86 $818 $68
Accord LX-P 4-Dr Sedan $164 $262 $288 $18 $86 $818 $68
Accord EX-L 4-Dr Sedan $188 $318 $288 $18 $86 $898 $75
Accord EX 2-Dr Coupe $188 $374 $384 $22 $114 $1,082 $90
Accord LX-S 2-Dr Coupe $188 $374 $384 $22 $114 $1,082 $90
Accord EX-L 2-Dr Coupe $212 $374 $384 $22 $114 $1,106 $92
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can revise prices substantially.

Figuring out which company quotes the best car insurance rates for a Honda Accord involves a little more sweat than just getting one or two price quotes. Each insurance company has a different process for determining rates in each state, so we’ll go over the car insurance companies with the overall cheapest rates in Pennsylvania.

We do need to point out that Pittsburgh car insurance rates are based on many factors that can increase the cost of coverage. Turning one year older, getting married, or getting a DUI can trigger price changes resulting in some companies being affordable when they were higher priced.

Best Auto Insurance Prices for Your Accord

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Cheapest Pennsylvania car insurance ranked by price
Rank Company Cost Per Year
1 General Casualty $726
2 Travelers $803
3 USAA $817
4 Erie $824
5 Penn National $832
6 Auto-Owners $973
7 Amica $992
8 Atlantic States $1,016
9 Donegal Mutual $1,091
10 GEICO $1,111
11 Allied $1,190
12 State Farm $1,198
13 California Casualty $1,198
14 State Auto $1,241
15 Encompass $1,344
16 Harleysville $1,396
17 Progressive $1,414
18 Nationwide $1,433
19 Mutual Benefit Group $1,454
20 Chubb $1,536
Find Cheaper Rates Go

General Casualty normally has some of the lowest car insurance rates in Pittsburgh at around $726 each year. This is $931 less than the average policy premium paid by Pennsylvania drivers of $1,657. Travelers, USAA, Erie, and Penn National would also be considered some of the more affordable Pittsburgh, PA auto insurance companies.

As shown in the table above, if you currently buy coverage from Penn National and switched to Travelers, you might realize a yearly price reduction of upwards of $29. Pennsylvania drivers with Auto-Owners may save as much as $170 a year, and Amica insureds might lower prices by up to $189 a year.

To see if your current coverage is too expensive, click here to start your custom quote or visit any of the companies below.

Bear in mind that those estimates are averaged for all ages of drivers and types of vehicles and do not factor in an exact zip code location for a Honda Accord. So the auto insurance company that can offer you the lowest price may not even be in the list above. That underscores the importance of why you need to get quotes using your own driver information and specific vehicle type.

Safe drivers Pittsburgh pay cheaper rates

A great way to snag cheap car insurance premiums in Pennsylvania for an Accord is to drive cautiously and not have accidents or get tickets. The illustration below demonstrates how speeding tickets and at-fault accidents impact insurance costs for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

In the previous example, the average cost of auto insurance in Pittsburgh per year with no accidents and a clean driving record is $1,791. Factor in one speeding ticket and the average cost jumps to $2,028, an increase of $237 each year. Now add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Honda Accord increases to an average of $4,024. That’s an increase of $2,233, or $186 per month, just for being a little careless behind the wheel!

The importance of comparing Accord insurance rates

Pittsburgh, PA car insurance rates are calculated based on many things that may substantially change the cost of having a policy. Simply having a birthday, adding a teenager to your policy, or getting a couple of tickets may cause policy rate changes that may make certain companies cheaper than competitors.

Additionally, companies amend premium rates as often as every quarter to adjust for heavy claims or excess profits. Heavy losses can cause more expensive prices, while a lower level of claims may produce lower-cost Accord insurance rates.

For example, the graph below shows the cheapest car insurance in Pittsburgh, PA for a 30-year-old male driver with no accidents, a clean driving record, and good financial standing. If we estimate rates based on his personal profile, General Casualty offers the most affordable car insurance rates in Pittsburgh at $896 annually. This is $761 less than the average rate paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National are the rest of the cheapest Pittsburgh, PA auto insurance companies.

In the next rate comparison, we’ll give the driver from above an accident claim, a lower credit rating, and a traffic ticket or two. Since every insurance provider has their own unique process for determining rates in each state, analyzing rate quotes will most likely result in a new list of the cheapest companies as shown below.

Amica now has the cheapest insurance rate in Pittsburgh, PA with Atlantic States, Donegal Mutual, GEICO, and Travelers completing the list. This shows why Pittsburgh drivers need to perform a complete rate comparison to find the cheapest insurance quotes for a Honda Accord.

Prices can be determined by many things and can change substantially, so the best option the last time you shopped around may now be one of the more expensive options.