Best Insurance for a Honda Accord in Detroit

Insurance for Honda AccordInconceivable but true, the vast majority of insurance customers have stayed with the same insurance company for at least four years, and about 40% of consumers have never shopped around. Michigan drivers can cut their rates by nearly 65% a year by just shopping around, but most just don’t grasp the amount of money they would save if they swap their current policy for a cheaper one.

If saving money is your primary concern, then the best way to find better pricing on Honda Accord insurance in Detroit is to do an annual price comparison from different companies who can sell car insurance in Michigan.

One thing to point out is to try to compare identical deductibles and limits on every quote request and and to get quotes from as many different insurance providers as possible. Doing this helps ensure a level playing field and a better comparison of the market.

Why You Might Pay Lower Rates in Detroit

Multiple criteria are part of the calculation when you get a price on insurance. A few of the factors are predictable like your driving record, although others are more transparent like where you live or your commute time.

The quickest method to get policy rate comparisons for Honda Accord insurance in Detroit is to realize auto insurance companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is provide the companies a bit of rating information like whether you are married, how much education you have, whether you have decent credit, and driver details. Your information is instantly provided to many of the top insurers and they return quotes instantly.

If you would like to compare rates now, click here then complete the form.

The providers in the list below can provide price comparisons in Michigan. To buy cheaper auto insurance in Michigan, it’s a good idea that you visit several of them in order to find the most affordable rates.

Coverage information

The rate information displayed next showcases detailed analysis of insurance rates for Honda Accord models. Learning a little about how insurance prices are established can help guide drivers when making informed coverage decisions.


Honda Accord Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $590 $882 $768 $46 $230 $2,516 $210
Accord LX 4-Dr Sedan $590 $882 $768 $46 $230 $2,516 $210
Accord EX 4-Dr Sedan $590 $882 $768 $46 $230 $2,516 $210
Accord LX-P 4-Dr Sedan $590 $882 $768 $46 $230 $2,516 $210
Accord LX-P 4-Dr Sedan $590 $882 $768 $46 $230 $2,516 $210
Accord EX-L 4-Dr Sedan $678 $1074 $768 $46 $230 $2,796 $233
Accord EX 2-Dr Coupe $678 $1264 $1022 $60 $306 $3,330 $278
Accord LX-S 2-Dr Coupe $678 $1264 $1022 $60 $306 $3,330 $278
Accord EX-L 2-Dr Coupe $764 $1264 $1022 $60 $306 $3,416 $285
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rates do not factor in your specific Detroit location which can lower or raise coverage rates noticeably.

An analysis of deductible level

One of the hardest decisions when shopping for car insurance is how high should your deductibles be. The comparison tables below can help show the difference in cost when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.


Honda Accord insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $464 $738 $586 $34 $176 $2,023 $169
Accord LX 4-Dr Sedan $464 $738 $586 $34 $176 $2,023 $169
Accord EX 4-Dr Sedan $464 $738 $586 $34 $176 $2,023 $169
Accord LX-P 4-Dr Sedan $464 $738 $586 $34 $176 $2,023 $169
Accord LX-P 4-Dr Sedan $464 $738 $586 $34 $176 $2,023 $169
Accord EX-L 4-Dr Sedan $534 $900 $586 $34 $176 $2,255 $188
Accord EX 2-Dr Coupe $534 $1060 $780 $46 $234 $2,679 $223
Accord LX-S 2-Dr Coupe $534 $1060 $780 $46 $234 $2,679 $223
Accord EX-L 2-Dr Coupe $602 $1060 $780 $46 $234 $2,747 $229
Get Your Own Custom Quote Go

Honda Accord insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $288 $464 $586 $34 $176 $1,548 $129
Accord LX 4-Dr Sedan $288 $464 $586 $34 $176 $1,548 $129
Accord EX 4-Dr Sedan $288 $464 $586 $34 $176 $1,548 $129
Accord LX-P 4-Dr Sedan $288 $464 $586 $34 $176 $1,548 $129
Accord LX-P 4-Dr Sedan $288 $464 $586 $34 $176 $1,548 $129
Accord EX-L 4-Dr Sedan $330 $566 $586 $34 $176 $1,692 $141
Accord EX 2-Dr Coupe $330 $666 $780 $46 $234 $2,056 $171
Accord LX-S 2-Dr Coupe $330 $666 $780 $46 $234 $2,056 $171
Accord EX-L 2-Dr Coupe $372 $666 $780 $46 $234 $2,098 $175
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can modify auto insurance rates greatly.

Based on the above data, using a $250 deductible will cost you roughly $45 more each month or $540 for a full year than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 17 months between claims, you would most likely save money if you opt for a higher deductible. The table below shows how you can make your own decision.

Average monthly premium for $250 deductibles: $190
Average monthly premium for $1,000 deductibles (subtract): – $145
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that increasing deductibles to save money means you will have to pay more when you have to file a claim. That will require some savings in order to pay more for the deductible.

Three reasons to insure your vehicle

Despite the fact that insurance is not cheap in Detroit, buying insurance serves a purpose in several ways.

The benefits of insuring your car more than cancel out the cost, especially for larger claims. Today the average American driver is wasting up to $869 every year so it’s important to compare rates at least once a year to help ensure money is not being wasted.

Cheaper rates by taking advantage of discounts

Some insurers don’t always list all available discounts in an easy-to-find place, so the below list has a few of the more well known as well as some of the hidden credits that you can use to lower your rates.Cheaper auto insurance with discounts

We need to note that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

The information below visualizes the comparison of Honda Accord car insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, marriage, and homeowner discounts applied.

Popular auto insurance companies and their offered discounts are shown below.

If you need affordable Honda Accord insurance quotes, ask every prospective company which credits you are entitled to. Some discounts listed above might not be offered in your state.

Car insurance is available from local insurance agents

A lot of people prefer to go talk to an agent and that is a personal choice. A good thing about comparing rate quotes online is the fact that you can find the best rates and still have an agent to talk to.

Insurance agents in DetroitAfter filling out this quick form, your coverage information is immediately sent to local insurance agents in Detroit that can provide free Detroit auto insurance quotes for your coverage. There is no need to search for any insurance agencies because quoted prices will be sent directly to you. You can find lower rates and a licensed agent to work with. If for some reason you want to quote rates from a specific car insurance provider, feel free to navigate to their website and fill out the quote form the provide.

Selecting an insurer should include more criteria than just the bottom line cost. These are some questions your agent should answer.

Listed below are agents in Detroit that can give you rate quotes for Honda Accord insurance in Detroit.

Soboh Insurance
16800 W Warren AveDetroit, MI 48228(313) 581-3400View Map

Cosby Insurance Agy and Financial Services
10140 W McNichols RdDetroit, MI 48221(313) 864-3285View Map


2711 E Jefferson Ave #206Detroit, MI 48207(313) 259-6600View Map


3245 E Jefferson AveDetroit, MI 48207(313) 877-7400View Map

More Detroit agents

After receiving positive responses to any questions you have and inexpensive Honda Accord insurance in Detroit quotes, you may have just found an insurance company that is reputable and can adequately provide car insurance.

Insurance can be complex

When it comes to a policy, there is no cookie cutter policy. Each situation is unique.Safe vehicles cost less to insure

For instance, these questions might point out whether you would benefit from an agent’s advice.

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Cheaper auto insurance premiums are possible

We just covered a lot of ways to find cheap Honda Accord insurance in Detroit. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a smaller regional carrier.

Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, an unsatisfactory settlement offer, high prices or not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is actually quite simple.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best price, but do not skimp to save money.

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