Insurance rates Honda Accord in BostonSearching for lower-priced Honda Accord insurance in Boston? Having to pay for overpriced insurance in Boston can draw down your savings account and force you to make sacrifices. Price shopping at each renewal is free and is an excellent way to lower your monthly bill.

Amazingly, over 70% of drivers kept their policy with the same company for a minimum of four years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. Drivers in Boston can save almost 45% each year, but they don't believe the big savings they would realize if they switched to a more affordable policy. There is such a variety of insurers to choose from, and though it is a good thing to have a choice, having more car insurance companies makes it harder to find the best rates for your vehicles.

You need to get comparison quotes yearly since prices go up and down regularly. Even if you got the best price on Honda Accord insurance in Boston six months ago a different company probably has better rate quotes today. Ignore everything you know about insurance because I'm going to teach you the only way to properly buy coverages and cut your premium.

Auto insurance discounts are available for cheaper rates

Auto insurance companies don't list all possible discounts in a way that's easy to find, so the list below details a few of the more common and also the lesser-known discounts you could be receiving when you buy Boston auto insurance online.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Even though it appears you could get a free auto insurance policy, companies don't profit that way. But any discount will help reduce the amount you have to pay.

Car insurance companies that may offer quotes with most of these discounts include:

Before buying, ask each company how you can save money. Some discounts may not be available in every state.

Reducing your insurance rates is pretty simple and can save money. The only requirement is to take a few minutes to compare rate quotes from online providers.

Comparing quotes online is fast and free, and it makes it obsolete to drive around to and from local Boston insurance agencies. Quoting Honda Accord insurance online eliminates the middleman unless you have a need for the extra assistance that only a licensed agent can provide. Although you can get prices online and get advice from an agent in your area.

The companies shown below are our best choices to provide quotes in Boston, MA. If multiple companies are listed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Honda Accord Insurance Costs in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $180 $332 $344 $20 $102 $978 $82
Accord LX 4-Dr Sedan $180 $332 $344 $20 $102 $978 $82
Accord EX 4-Dr Sedan $246 $490 $344 $20 $102 $1,202 $100
Accord LX-P 4-Dr Sedan $218 $350 $290 $18 $86 $962 $80
Accord LX-P 4-Dr Sedan $176 $304 $272 $16 $82 $850 $71
Accord EX-L 4-Dr Sedan $210 $350 $284 $16 $86 $946 $79
Accord EX 2-Dr Coupe $180 $406 $396 $24 $118 $1,124 $94
Accord LX-S 2-Dr Coupe $222 $502 $426 $26 $128 $1,304 $109
Accord EX-L 2-Dr Coupe $360 $752 $510 $30 $152 $1,804 $150
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rate information does not factor in vehicle location which can impact premiums considerably.

Physical damage deductibles: Should you raise them?

One frequently asked question is how high should the deductibles for physical damage be. The comparisons below can help illustrate how much more you'll pay when you select higher and lower insurance deductibles. The first rate estimation uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Honda Accord insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $250 $426 $284 $16 $86 $1,087 $91
Accord LX 4-Dr Sedan $250 $426 $284 $16 $86 $1,087 $91
Accord EX 4-Dr Sedan $250 $426 $284 $16 $86 $1,087 $91
Accord LX-P 4-Dr Sedan $250 $426 $284 $16 $86 $1,087 $91
Accord LX-P 4-Dr Sedan $250 $426 $284 $16 $86 $1,087 $91
Accord EX-L 4-Dr Sedan $288 $520 $284 $16 $86 $1,219 $102
Accord EX 2-Dr Coupe $288 $612 $378 $22 $114 $1,439 $120
Accord LX-S 2-Dr Coupe $288 $612 $378 $22 $114 $1,439 $120
Accord EX-L 2-Dr Coupe $324 $612 $378 $22 $114 $1,475 $123
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Honda Accord insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $140 $224 $284 $16 $86 $750 $63
Accord LX 4-Dr Sedan $140 $224 $284 $16 $86 $750 $63
Accord EX 4-Dr Sedan $140 $224 $284 $16 $86 $750 $63
Accord LX-P 4-Dr Sedan $140 $224 $284 $16 $86 $750 $63
Accord LX-P 4-Dr Sedan $140 $224 $284 $16 $86 $750 $63
Accord EX-L 4-Dr Sedan $160 $274 $284 $16 $86 $820 $68
Accord EX 2-Dr Coupe $160 $322 $378 $22 $114 $996 $83
Accord LX-S 2-Dr Coupe $160 $322 $378 $22 $114 $996 $83
Accord EX-L 2-Dr Coupe $180 $322 $378 $22 $114 $1,016 $85
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific location which can affect coverage rates substantially.

Based on the figures above, using a $100 deductible will cost you approximately $32 more each month or $384 a year than opting for the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average at least 28 months between claim filings, you would save more money if you choose a higher deductible.

Choosing deductibles

The chart below shows how different deductible levels and can change Honda Accord annual premium costs for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Yearly auto insurance costs for men versus women

The illustration below visualizes the comparison of Honda Accord premium costs for male and female drivers. The information is based on no claims or driving citations, full coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Insurance agent or online?

Many drivers would rather sit down with an agent and doing so can bring peace of mind Insurance agents can make sure you are properly covered and help file insurance claims. One of the great benefits of comparing rate quotes online is that you can find cheaper prices but still work with a licensed agent.

To find an agent, once you fill out this short form, the coverage information is sent to companies in Boston who will give you bids for your insurance coverage. It's much easier because you don't need to visit any agencies because prices are sent straight to your inbox. If you want to get a comparison quote from a specific insurance company, feel free to visit that company's website and give them your coverage information.

Selecting an insurer is decision based upon more than just the price. These are some valid questions you should ask.

Below are agents in Boston that may be willing to give rate quotes for Honda Accord insurance in Boston.


44 Temple Pl - Boston, MA 02111 - (617) 350-5511 - View Map

Saratoga Insurance
452 Bennington St - Boston, MA 02128 - (617) 567-1100 - View Map

Massamont Insurance Agency Inc
280 Summer St - Boston, MA 02210 - (617) 478-5205 - View Map


75 Boston-Providence Turnpike - Norwood, MA 02062 - (781) 762-3400 - View Map

View more agents

Auto insurance is not optional

Even though it can be expensive, paying for auto insurance is a good idea for several reasons.

The benefits of insuring your car definitely exceed the price paid, particularly when you have a large claim. Unknowingly, the average driver is wasting up to $750 every year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

UM/UIM Coverage

This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Covered losses include injuries to you and your family and damage to your Honda Accord.

Due to the fact that many Massachusetts drivers have only the minimum liability required by law (20/40/5 in Massachusetts), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for surgery, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, damage from flooding and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Liability coverages

Liability coverage will cover injuries or damage you cause to other's property or people. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 20/40/5 which stand for a limit of $20,000 per injured person, a total of $40,000 of bodily injury coverage per accident, and a limit of $5,000 paid for damaged property.

Liability can pay for claims like repair costs for stationary objects, pain and suffering, repair bills for other people's vehicles and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford. Massachusetts state minimum liability requirements are 20/40/5 but it's recommended drivers buy better liability coverage.

Collision protection

This will pay to fix damage to your Accord resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. It's also possible to bump up the deductible on your Accord to get cheaper collision coverage.

More quotes mean more auto insurance savings

We've covered a lot of ways to lower your Honda Accord insurance rates in Boston. The key concept to understand is the more times you quote, the better likelihood of getting low cost Boston auto insurance quotes. Consumers may even find the best price on auto insurance is with the smaller companies. These companies often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate and Progressive.

A few companies may not offer the ability to get a quote online and most of the time these small, regional companies work with independent insurance agencies. Affordable Honda Accord insurance in Boston can be sourced on the web in addition to many Boston insurance agents, and you should be comparing both to have the best rate selection.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, someone dropped physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The aim is to find the BEST coverage at the best price and still be able to protect your assets.

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