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2002 Honda Accord Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 19, 2020

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Average insurance rates for a 2002 Honda Accord are $876 a year for full coverage. Comprehensive insurance costs approximately $120, collision costs $152, and liability costs $446. Buying a liability-only policy costs as little as $500 a year, with high-risk insurance costing $1,884 or more. Teenage drivers receive the highest rates at $3,636 a year or more.

Annual premium for full coverage: $876

Rate estimates for 2002 Honda Accord Insurance

Comprehensive $120
Collision $152
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Honda Accord models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $500 for basic liability insurance to a much higher rate of $1,884 for a driver that may need high-risk insurance.

Liability Only $500
Full Coverage $876
High Risk $1,884

View Chart as Image

2002 Honda Accord insurance rates compared
Column chart showing 2002 Honda Accord insurance prices range from $542 to $3,636 for full coverage

These differences show why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2002 Honda Accord Insurance

Searching Companies

Trying to find cheaper car insurance rates? Buyers have a choice when searching for the best price on Honda Accord insurance. You can either waste hours struggling with agents to compare prices or use the internet to get rate quotes.

There are both good and bad ways to find car insurance online so we’re going to tell you the best way to quote coverages for a Honda and find the cheapest rates either online or from local insurance agents.

If you have a policy now or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. This information will teach you how to effectively get price quotes and some tips to save money. Drivers just need to learn the best way to shop their coverage around online.

These seven discounts can lower your rates

Car insurance can cost a lot, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but some must be specially asked for before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Accord insurance with a few car insurance companies.
  • Club Memberships – Belonging to certain professional organizations could qualify you for a break when shopping for car insurance on Accord insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same car insurance policy can get a discount on all vehicles.
  • Sign Online – Certain companies give back up to $50 for buying your policy over the internet.
  • No Accidents – Claim-free drivers pay much less when compared to bad drivers.

Keep in mind that most credits do not apply the whole policy. Most only reduce individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will help reduce the amount you have to pay.

To see a list of insurers offering car insurance discounts, follow this link.

Different people need different coverages

When it comes to choosing adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.

For example, these questions may help highlight if you might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • Am I better off with higher deductibles on my 2002 Honda Accord?
  • What is the rate difference between pleasure use and commuting?
  • What vehicles should carry emergency assistance coverage?
  • Is motorclub coverage worth it?
  • Do I pay less if my vehicle is kept in my garage?
  • Will filing a claim cost me more?
  • Do I need medical payments coverage since I have good health insurance?
  • Does coverage extend to a rental car in a foreign country?
  • What is the minimum liability in my state?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance policy coverages for a 2002 Honda Accord

Knowing the specifics of car insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for surgery, funeral costs and ambulance fees. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as legal defense fees, court costs, pain and suffering and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, fire damage, rock chips in glass and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Honda Accord.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision protection

Collision coverage covers damage to your Accord caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

A penny saved is a penny earned

People who switch companies do it for many reasons like being labeled a high risk driver, lack of trust in their agent, an unsatisfactory settlement offer or delays in paying claims. Regardless of your reason, finding a great new company is not as difficult as it may seem.

You just read many tips how you can reduce 2002 Honda Accord insurance prices online. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from an unexpected company.

The cheapest insurance can be found both online and with local insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Additional auto insurance information can be read at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2002 Honda Accord Insurance Rates by City
City Premium
New York City, NY $1,386
Los Angeles, CA $1,497
Philadelphia, PA $1,170
Jacksonville, FL $1,274
Phoenix, AZ $1,019
Chicago, IL $1,174
Houston, TX $1,373
Seattle, WA $852
Columbus, OH $731
Indianapolis, IN $744

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Honda Accord Insurance Rates by Driver Age
Driver Age Premium
16 $3,636
20 $2,010
30 $884
40 $876
50 $806
60 $790

Full coverage, $500 deductibles

Rates by Deductible

2002 Honda Accord Insurance Rates with Different Deductibles
Deductible Premium
$100 $992
$250 $940
$500 $876
$1,000 $812

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $876
50/100 $965
100/300 $1,077
250/500 $1,367
100 CSL $1,010
300 CSL $1,255
500 CSL $1,434

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Honda Accord Insurance Rates for High Risk Drivers
Age Premium
16 $5,096
20 $3,202
30 $1,890
40 $1,884
50 $1,802
60 $1,784

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $116

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $43
Multi-vehicle $48
Homeowner $16
5-yr Accident Free $50
5-yr Claim Free $54
Paid in Full/EFT $29
Advance Quote $37
Online Quote $57
Total Discounts $334
Rate after discounts $542

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2002 Honda Accord Insurance Rates by State
State Premium
Alabama $792
Alaska $672
Arizona $728
Arkansas $876
California $998
Colorado $836
Connecticut $902
Delaware $994
Florida $1,098
Georgia $808
Hawaii $628
Idaho $592
Illinois $652
Indiana $658
Iowa $590
Kansas $834
Kentucky $1,196
Louisiana $1,298
Maine $542
Maryland $720
Massachusetts $702
Michigan $1,522
Minnesota $732
Mississippi $1,052
Missouri $776
Montana $940
Nebraska $692
Nevada $1,052
New Hampshire $632
New Jersey $982
New Mexico $776
New York $924
North Carolina $506
North Dakota $718
Ohio $604
Oklahoma $900
Oregon $802
Pennsylvania $836
Rhode Island $1,170
South Carolina $794
South Dakota $738
Tennessee $766
Texas $1,056
Utah $648
Vermont $602
Virginia $524
Washington $676
West Virginia $802
Wisconsin $606
Wyoming $780

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