Honda Accord EX 4-Dr Sedan Insurance Rates
Average insurance rates for a Honda Accord EX 4-Dr Sedan are $1,102 a year for full coverage. Comprehensive costs around $258 each year, collision insurance costs $422, and liability costs around $294. Just liability insurance costs as low as $350 a year, and coverage for high-risk drivers costs around $2,362. Teen drivers receive the highest rates at up to $4,034 a year.
Annual premium for full coverage: $1,102
Rate estimates for individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Honda Accord Trim Level
Using a 40-year-old driver as an example, prices range from as low as $350 for just liability coverage to a high rate of $2,362 for a policy for a high-risk driver.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.
These differences show why all drivers should compare prices for a specific zip code and risk profile, instead of using price averages.
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Insurance prices for a Honda Accord EX 4-Dr Sedan can also vary considerably based on your driver profile, the model year of your Accord, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may pay as little as $1,000 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,000 a year. View Rates by Age
Where you live has a huge impact on Honda Accord EX 4-Dr Sedan insurance prices. A driver around age 40 might see rates as low as $920 a year in states like Idaho, Maine, and Iowa, or as much as $1,890 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
Choosing high deductibles could cut rates by as much as $460 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $264 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,300 to $1,800 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 132% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and rates can be significantly different from one company to the next.
Chart shows Honda Accord EX 4-Dr Sedan insurance rates for various risk profiles and scenarios. The best rate after discounts is $640. Drivers who choose higher $1,000 deductibles will pay around $948. The average rate for a driver age 40 with no violations using $500 deductibles is $1,102. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,400. High risk drivers could be charged as much as $2,362. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $4,034.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$80|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$50|
Discounts are estimated and may not be available from every company or in every state.