1. Vehicles
  2. Honda
  3. Accord
  4. 2012 Model Year

2012 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 ...

Full Bio →

Written by

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2012 Honda Accord are $1,116 a year including full coverage. Comprehensive costs on average $188, collision costs $310, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,416. Teen drivers receive the highest rates at $4,420 a year or more.

Annual premium for full coverage: $1,116

Rate estimates for 2012 Honda Accord Insurance

Comprehensive $188
Collision $310
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 $2,416 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,116
High Risk $2,416

View Chart as Image

2012 Honda Accord insurance rates compared
Column chart showing 2012 Honda Accord insurance prices range from $662 to $4,420 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on price averages.

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 2012 Honda Accord Insurance

Searching Companies

Are you a victim of an underperforming, overpriced car insurance policy? Believe me when I say there are many people just like you. Many auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to get the cheapest price

You should make it a habit to do rate comparisons on a regular basis because prices tend to go up over time. Just because you had the best price on Accord insurance on your last policy you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out the proper way to buy cheaper car insurance.

If you are insured now or are looking for a new policy, you will benefit by learning to find better prices and still get good coverage. Choosing the best insurance company for you is not that difficult. Consumers only need to know the proper way to compare prices online.

How to Compare Insurance Quotes

There are a variety of methods to compare 2012 Honda Accord insurance prices but some are less labor-intensive and much quicker. You can spend countless hours driving to agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Many companies participate in an industry program where insurance shoppers enter their policy data once, and each participating company returns a rated price based on the submitted data. This saves time by eliminating quotation requests to each individual insurance company.

To get comparison pricing now click here to start a free quote.

The only drawback to doing it this way is that you can’t choose which providers to receive prices from. So if you prefer to choose from a list of companies to compare rates, we have a page of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use identical coverages for each price quote. If you compare mixed coverages then you won’t be able to truly determine the lowest rate.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some must be requested specifically before you will receive the discount. If you don’t get every credit you qualify for, you are throwing money away.

  • College Student – Any of your kids who are attending college and do not have a car can receive lower rates.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount on your policy on Accord insurance.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save up to 5%.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

Car insurance companies who might offer these benefits include:

Double check with all companies you are considering how you can save money. Savings may not apply in your area.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Your coverage should be tailored to you

When it comes to buying coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can help discover if you would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • How high should my medical payments coverage be?
  • Am I covered if hit by an uninsured driver?
  • What is PIP insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Is a blown tire covered by insurance?
  • How high should deductibles be on a 2012 Honda Accord?
  • How can I force my company to pay a claim?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Parts of your insurance policy

Learning about specific coverages of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda Accord.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability – Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as bail bonds, funeral expenses, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as theft, rock chips in glass, vandalism, damage from getting keyed and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like dental work, nursing services, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Smart shoppers get results

Cheaper 2012 Honda Accord insurance can be bought both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies do not offer online price quotes and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to get the best coverage possible at a price you can afford while still protecting your assets.

Other learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Honda Accord Insurance Rates by City
City Premium
New York City, NY $1,761
Los Angeles, CA $1,908
Philadelphia, PA $1,490
Jacksonville, FL $1,619
Phoenix, AZ $1,299
Chicago, IL $1,498
Houston, TX $1,750
Seattle, WA $1,089
Columbus, OH $934
Indianapolis, IN $947

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Honda Accord Insurance Rates by Driver Age
Driver Age Premium
16 $4,420
20 $2,576
30 $1,144
40 $1,116
50 $1,022
60 $1,002

Full coverage, $500 deductibles

Rates by Deductible

2012 Honda Accord Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,334
$250 $1,232
$500 $1,116
$1,000 $1,002

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,116
50/100 $1,208
100/300 $1,323
250/500 $1,622
100 CSL $1,254
300 CSL $1,507
500 CSL $1,691

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Honda Accord Insurance Rates for High Risk Drivers
Age Premium
16 $6,252
20 $4,104
30 $2,446
40 $2,416
50 $2,310
60 $2,290

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $57
Multi-vehicle $60
Homeowner $19
5-yr Accident Free $74
5-yr Claim Free $71
Paid in Full/EFT $44
Advance Quote $52
Online Quote $77
Total Discounts $454
Rate after discounts $662

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

Find companies with the cheapest rates in your area

2012 Honda Accord Insurance Rates by State
State Premium
Alabama $1,008
Alaska $856
Arizona $928
Arkansas $1,116
California $1,272
Colorado $1,066
Connecticut $1,146
Delaware $1,264
Florida $1,396
Georgia $1,028
Hawaii $800
Idaho $754
Illinois $832
Indiana $838
Iowa $752
Kansas $1,060
Kentucky $1,524
Louisiana $1,650
Maine $690
Maryland $920
Massachusetts $894
Michigan $1,938
Minnesota $934
Mississippi $1,336
Missouri $990
Montana $1,198
Nebraska $880
Nevada $1,338
New Hampshire $804
New Jersey $1,246
New Mexico $988
New York $1,174
North Carolina $642
North Dakota $914
Ohio $772
Oklahoma $1,146
Oregon $1,022
Pennsylvania $1,064
Rhode Island $1,490
South Carolina $1,012
South Dakota $942
Tennessee $978
Texas $1,346
Utah $826
Vermont $764
Virginia $668
Washington $864
West Virginia $1,022
Wisconsin $772
Wyoming $994

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles