Who Has Affordable Auto Insurance Rates for a Honda Accord in Aurora?

Finding economical coverage for a Honda Accord depends on a lot of things such as how old the Accord is, the likelihood of vehicle theft, and if you have a history of accidents. Drivers in Colorado pay around $1,175 annually to insure their Accord, but that cost is an estimate calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.

The issue that arises when projecting rates is that it’s very likely that you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe you’re a renter instead of a homeowner. There is no one cookie-cutter policy that works for everyone, so the only way to find cheap auto insurance rates for your Honda is to do a thorough rate comparison. Quotes only take a couple of minutes and you will be able to see rates from top-rated companies that insure vehicles in Colorado.

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Your vehicle’s trim level tends to have a direct impact on the cost of insurance, so the price you will be charged to insure a Accord LX 4-Dr Sedan trim level will be $416 less expensive the price to insure the higher-priced Accord EX-L 2-Dr Coupe version, as shown in the table below.

Honda Accord Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $232 $432 $362 $22 $108 $1,156 $96
Accord EX 4-Dr Sedan $232 $432 $362 $22 $108 $1,156 $96
Accord LX-P 4-Dr Sedan $232 $432 $362 $22 $108 $1,156 $96
Accord EX-L 4-Dr Sedan $266 $526 $362 $22 $108 $1,284 $107
Accord EX 2-Dr Coupe $266 $620 $480 $28 $144 $1,538 $128
Accord LX-S 2-Dr Coupe $266 $620 $480 $28 $144 $1,538 $128
Accord EX-L 2-Dr Coupe $300 $620 $480 $28 $144 $1,572 $131
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific Aurora garaging location which can change premium rates greatly.

Colorado auto insurance company ratings

Buying coverage from a high-quality insurance company can be difficult considering how many choices drivers have in Aurora. The company rank data shown below can help you decide which auto insurance companies you want to consider when trying find the best insurance for a Honda Accord. These ratings are only made up of large nationwide companies, so smaller companies that only insure vehicles in Colorado are not included in the list.

Top 10 Major Auto Insurance Companies in Aurora Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. Progressive
  5. Liberty Mutual
  6. GEICO
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. The General

Top 10 Major Auto Insurance Companies in Aurora Ranked by Customer Service

  1. GEICO
  2. State Farm
  3. The Hartford
  4. The General
  5. Progressive
  6. Allstate
  7. AAA Insurance
  8. American Family
  9. Nationwide
  10. Travelers

Get discounts on Aurora insurance

Cheaper Aurora, CO auto insurance for an AccordCar insurance companies that offer quotes for a Honda Accord may additionally offer premium discounts that can reduce rates by 30% or more if you qualify for them. Popular auto insurance companies and some of their more popular discounts are outlined below.

The illustration below illustrates the comparison of auto insurance costs with and without some available policy discounts. The rates are based on a male driver, no tickets, no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple policy, marriage, multiple vehicle, passive restraint, safe-driver, and claim-free discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Honda Accord is 28% or $760.

Comparing rates on Accord insurance can save you money

Aurora, CO auto insurance rates are based on many factors that can increase the policy premium. Turning one year older, marrying your spouse, or having an at-fault accident can trigger rate changes that can make some companies much cheaper than others. And not only may your rating factors change, but insurance companies file new rates as often as every three months to adjust for heavy claims or excess profits. Significantly higher losses may cause rate hikes, while a better claims history may produce more affordable Accord insurance rates.

For instance, the data below shows the cheapest car insurance in Aurora, CO for a 30-year-old male driver with no prior accidents, a clean driving record, and a decent credit rating. Based on his personal profile, The Hartford might offer the most affordable car insurance rates in Aurora at $1,063 annually. This is $515 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are the rest of the top five cheapest Aurora, CO auto insurance companies.

Now we will pretend the driver in the first example a chargeable claim, less-than-perfect credit, and a few blemishes on his driving record. Since each insurance company uses a different method for setting prices, getting updated rate quotes may now show a slightly different list of cheap Aurora auto insurance companies as shown below.

Travelers now has the lowest car insurance rate in Aurora with State Farm, American Family, Progressive, and Amica completing the list. This example proves why consumers need to take the time to take the time to shop around to get the best car insurance quotes for a Honda Accord.

Rates are calculated by many different factors and can change substantially, so the best option a year ago may now be priced much higher than other options.