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2004 Honda Accord Insurance Rates

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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 2004 Honda Accord are $916 a year including full coverage. Comprehensive insurance costs approximately $132, collision costs $166, and liability costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing $1,972 or more. Teenage drivers receive the highest rates at $3,778 a year or more.

Annual premium for full coverage: $916

Rate estimates for 2004 Honda Accord Insurance

Comprehensive $132
Collision $166
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 a driver in their 40's, prices range go from as low as $510 for basic liability insurance to a much higher rate of $1,972 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $916
High Risk $1,972

View Chart as Image

2004 Honda Accord insurance rates compared
Column chart showing 2004 Honda Accord insurance prices range from $563 to $3,778 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of making a decision based on 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 2004 Honda Accord Insurance

Searching Companies

Searching for the cheapest auto insurance rates? Consumers have lots of choices when looking for affordable Honda Accord insurance. They can either spend hours calling around trying to get quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to buy auto insurance so you’re going to learn the proper way to price shop coverage for a new or used Honda and locate the lowest price either online or from local insurance agents.

Consumers need to shop coverage around once or twice a year since rates go up and down regularly. Just because you found the lowest price on Accord coverage a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

These ten discounts can lower your rates

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for prior to receiving the credit. If you’re not getting every credit possible, you are throwing money away.

  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total premium.
  • Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings when shopping for insurance coverage on Accord coverage.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better insurance coverage rates on Accord coverage.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on Accord coverage than drivers with accidents.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. But any discount will bring down the amount you have to pay.

For a list of insurance companies with discount insurance coverage rates, follow this link.

Comprehensive Car Insurance Comparison

There are multiple methods you can shop for 2004 Honda Accord car insurance but some are less time-consuming than others. You could waste a few hours driving to insurance agencies in your area, or you can utilize the internet to get pricing more quickly.

All the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and every company can provide price quotes determined by their information. This eliminates the need for form submissions for every car insurance company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to using this type of form is you can’t choose which companies you want pricing from. So if you want to choose specific insurance companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but double check that you are using identical coverage information on every quote you get. If you use different values for each quote then you won’t be able to determine the best price for your Honda Accord.

Free Auto Insurance Comparison

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Different people need different coverages

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Am I insured when driving a different vehicle?
  • When do I need to add a new car to my policy?
  • Is rental equipment covered for theft or damage?
  • What is the difference between comprehensive and collision coverage?
  • Am I missing any policy discounts?
  • Why do I only qualify for high-risk insurance?
  • Where can I find high-risk insurance?
  • How does medical payments coverage work?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

Coverage specifics

Understanding the coverages of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, fire damage and vandalism. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision coverage covers damage to your Accord from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, backing into a parked car, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage pay for bills like dental work, prosthetic devices and EMT expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as legal defense fees, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Honda Accord.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Compare but don’t skimp

Drivers change insurance companies for many reasons like unfair underwriting practices, not issuing a premium refund, denial of a claim or even policy cancellation. It doesn’t matter what your reason, finding a great new company can be easier than you think.

Affordable 2004 Honda Accord insurance can be sourced online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where consumers will sacrifice collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage for the lowest price.

Additional insurance coverage information can be found at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2004 Honda Accord Insurance Rates by City
City Premium
New York City, NY $1,452
Los Angeles, CA $1,569
Philadelphia, PA $1,226
Jacksonville, FL $1,332
Phoenix, AZ $1,067
Chicago, IL $1,228
Houston, TX $1,438
Seattle, WA $895
Columbus, OH $770
Indianapolis, IN $780

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Honda Accord Insurance Rates by Driver Age
Driver Age Premium
16 $3,778
20 $2,104
30 $928
40 $916
50 $844
60 $826

Full coverage, $500 deductibles

Rates by Deductible

2004 Honda Accord Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,046
$250 $988
$500 $916
$1,000 $848

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $916
50/100 $1,008
100/300 $1,123
250/500 $1,422
100 CSL $1,054
300 CSL $1,307
500 CSL $1,491

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Honda Accord Insurance Rates for High Risk Drivers
Age Premium
16 $5,302
20 $3,348
30 $1,984
40 $1,972
50 $1,890
60 $1,872

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 $122

Potential Rate Discounts

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

Discount Savings
Multi-policy $45
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $53
5-yr Claim Free $57
Paid in Full/EFT $31
Advance Quote $39
Online Quote $61
Total Discounts $353
Rate after discounts $563

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

Find companies with the cheapest rates in your area

2004 Honda Accord Insurance Rates by State
State Premium
Alabama $830
Alaska $704
Arizona $762
Arkansas $916
California $1,046
Colorado $878
Connecticut $944
Delaware $1,038
Florida $1,148
Georgia $846
Hawaii $660
Idaho $622
Illinois $682
Indiana $690
Iowa $618
Kansas $872
Kentucky $1,252
Louisiana $1,358
Maine $566
Maryland $758
Massachusetts $736
Michigan $1,594
Minnesota $770
Mississippi $1,098
Missouri $814
Montana $986
Nebraska $724
Nevada $1,102
New Hampshire $662
New Jersey $1,026
New Mexico $814
New York $968
North Carolina $528
North Dakota $750
Ohio $636
Oklahoma $944
Oregon $840
Pennsylvania $876
Rhode Island $1,224
South Carolina $832
South Dakota $774
Tennessee $804
Texas $1,106
Utah $680
Vermont $628
Virginia $550
Washington $710
West Virginia $840
Wisconsin $636
Wyoming $818

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