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  2. Honda
  3. Accord
  4. EX 4-Dr Sedan

Honda Accord EX 4-Dr Sedan Insurance Rates

Average insurance rates for a Honda Accord EX 4-Dr Sedan are $1,162 a year for full coverage. Comprehensive costs around $270 each year, collision insurance costs $446, and liability costs around $310. Just liability insurance costs as low as $370 a year, and coverage for high-risk drivers costs around $2,488. Teen drivers receive the highest rates at up to $4,244 a year.

Annual premium for full coverage: $1,162

Rate estimates for individual coverage:

Comprehensive $270
Collision $446
Liability $310

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 $370 for just liability coverage to a high rate of $2,488 for a policy for a high-risk driver.

Liability Only $370
Full Coverage $1,162
High Risk $2,488

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.

Rural Areas $872
Small Cities $1,220
Large Cities $1,569

These differences show why all drivers should compare prices for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

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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 $1,100 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,200 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 $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 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 $480 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 $279 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 $1,400 to $1,900 additional per year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 135% 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.

View Chart as Image

Honda Accord EX 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Accord EX 4-Dr Sedan insurance prices range from $674 to $4,244 for full coverage

Chart shows Honda Accord EX 4-Dr Sedan insurance rates for various risk profiles and scenarios. The best rate after discounts is $674. Drivers who choose higher $1,000 deductibles will pay around $1,000. The average rate for a driver age 40 with no violations using $500 deductibles is $1,162. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,476. High risk drivers could be charged as much as $2,488. The policy rate for full coverage insurance for a 16-year-old driver can be as high as $4,244.

Honda Accord EX 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,048-$114-9.8%
Alaska$890-$272-23.4%
Arizona$962-$200-17.2%
Arkansas$1,162-$00.0%
California$1,322$16013.8%
Colorado$1,106-$56-4.8%
Connecticut$1,192$302.6%
Delaware$1,312$15012.9%
Florida$1,448$28624.6%
Georgia$1,074-$88-7.6%
Hawaii$834-$328-28.2%
Idaho$788-$374-32.2%
Illinois$864-$298-25.6%
Indiana$874-$288-24.8%
Iowa$782-$380-32.7%
Kansas$1,102-$60-5.2%
Kentucky$1,584$42236.3%
Louisiana$1,718$55647.8%
Maine$716-$446-38.4%
Maryland$958-$204-17.6%
Massachusetts$924-$238-20.5%
Michigan$2,012$85073.1%
Minnesota$970-$192-16.5%
Mississippi$1,390$22819.6%
Missouri$1,030-$132-11.4%
Montana$1,246$847.2%
Nebraska$914-$248-21.3%
Nevada$1,390$22819.6%
New Hampshire$836-$326-28.1%
New Jersey$1,298$13611.7%
New Mexico$1,026-$136-11.7%
New York$1,222$605.2%
North Carolina$668-$494-42.5%
North Dakota$950-$212-18.2%
Ohio$800-$362-31.2%
Oklahoma$1,190$282.4%
Oregon$1,064-$98-8.4%
Pennsylvania$1,104-$58-5.0%
Rhode Island$1,548$38633.2%
South Carolina$1,054-$108-9.3%
South Dakota$978-$184-15.8%
Tennessee$1,016-$146-12.6%
Texas$1,398$23620.3%
Utah$858-$304-26.2%
Vermont$794-$368-31.7%
Virginia$694-$468-40.3%
Washington$896-$266-22.9%
West Virginia$1,064-$98-8.4%
Wisconsin$802-$360-31.0%
Wyoming$1,034-$128-11.0%

View Chart as Image

Honda Accord EX 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Honda Accord EX 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$4,244
20$2,652
30$1,214
40$1,162
50$1,060
60$1,040

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord EX 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,476
$250$1,332
$500$1,162
$1,000$1,000

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord EX 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,162
50/100$1,224
100/300$1,302
250/500$1,503
100 CSL$1,255
300 CSL$1,426
500 CSL$1,550

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord EX 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$6,054
20$4,206
30$2,548
40$2,488
50$2,372
60$2,350

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 $158

Potential Rate Discounts

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

DiscountSavings
Multi-policy$62
Multi-vehicle$59
Homeowner$16
5-yr Accident Free$85
5-yr Claim Free$74
Paid in Full/EFT$53
Advance Quote$57
Online Quote$82
Total Discounts$488
Rate after discounts $674

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

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