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  3. Accord
  4. EX-L 2-Dr Coupe

Honda Accord EX-L 2-Dr Coupe Insurance Rates

Average insurance rates for a Honda Accord EX-L 2-Dr Coupe are $1,472 a year with full coverage. Comprehensive insurance costs approximately $310, collision insurance costs $602, and liability insurance costs around $390. Just liability insurance costs as low as $462 a year, and coverage for high-risk drivers costs $3,190 or more. Teen drivers receive the highest rates at up to $5,472 a year.

Annual premium for full coverage: $1,472

Rate estimates by type of coverage:

Comprehensive $310
Collision $602
Liability $390

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Accord Trim Level

For an average driver, prices range from as low as $462 for basic liability insurance to the much higher price of $3,190 for a driver required to buy high-risk insurance.

Liability Only $462
Full Coverage $1,472
High Risk $3,190

These differences demonstrate why everyone should compare prices using their specific location and risk profile, rather than relying on price averages.

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Insurance prices for a Honda Accord EX-L 2-Dr Coupe can also vary considerably based on your driver profile, the actual cash value of your Accord, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Where you live has a huge impact on Honda Accord EX-L 2-Dr Coupe insurance rates. A driver around age 40 might see rates as low as $920 a year in states like Vermont, Ohio, and Indiana, or as much as $1,620 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $610 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 additional per year, depending on your age. Honda Accord EX-L 2-Dr Coupe insurance for high-risk drivers can be anywhere from 44% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from as many companies as possible. 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-L 2-Dr Coupe insurance cost comparison chart
Column chart showing Honda Accord EX-L 2-Dr Coupe insurance prices range from $844 to $5,472 for full coverage

The chart above shows Honda Accord EX-L 2-Dr Coupe insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $844. Drivers who choose higher $1,000 deductibles will pay around $1,266. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,472. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $1,876. High risk drivers could be charged as much as $3,190. The rate for full coverage for a teenager can be as high as $5,472.

Honda Accord EX-L 2-Dr Coupe Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,418-$54-3.7%
Alaska$1,208-$264-17.9%
Arizona$1,480$80.5%
Arkansas$1,496$241.6%
California$1,656$18412.5%
Colorado$1,532$604.1%
Connecticut$1,930$45831.1%
Delaware$1,796$32422.0%
Florida$1,988$51635.1%
Georgia$1,460-$12-0.8%
Hawaii$1,590$1188.0%
Idaho$1,026-$446-30.3%
Illinois$1,094-$378-25.7%
Indiana$1,052-$420-28.5%
Iowa$1,108-$364-24.7%
Kansas$1,354-$118-8.0%
Kentucky$1,910$43829.8%
Louisiana$2,390$91862.4%
Maine$1,008-$464-31.5%
Maryland$1,518$463.1%
Massachusetts$1,300-$172-11.7%
Michigan$2,710$1,23884.1%
Minnesota$1,294-$178-12.1%
Mississippi$1,442-$30-2.0%
Missouri$1,256-$216-14.7%
Montana$1,334-$138-9.4%
Nebraska$1,214-$258-17.5%
Nevada$1,904$43229.3%
New Hampshire$1,202-$270-18.3%
New Jersey$1,466-$6-0.4%
New Mexico$1,368-$104-7.1%
New York$1,918$44630.3%
North Carolina$1,046-$426-28.9%
North Dakota$1,434-$38-2.6%
Ohio$1,036-$436-29.6%
Oklahoma$1,792$32021.7%
Oregon$1,378-$94-6.4%
Pennsylvania$1,662$19012.9%
Rhode Island$1,788$31621.5%
South Carolina$1,374-$98-6.7%
South Dakota$1,154-$318-21.6%
Tennessee$1,324-$148-10.1%
Texas$1,418-$54-3.7%
Utah$1,310-$162-11.0%
Vermont$1,052-$420-28.5%
Virginia$1,062-$410-27.9%
Washington$1,300-$172-11.7%
West Virginia$1,502$302.0%
Wisconsin$1,502$302.0%
Wyoming$1,628$15610.6%

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Honda Accord EX-L 2-Dr Coupe insurance rates by U.S. city

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Rates by Driver Age

Honda Accord EX-L 2-Dr Coupe Insurance Rates by Driver Age
Driver AgePremium
16$5,472
20$3,418
30$1,540
40$1,472
50$1,344
60$1,320

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord EX-L 2-Dr Coupe Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,876
$250$1,690
$500$1,472
$1,000$1,266

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord EX-L 2-Dr Coupe Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,472
50/100$1,550
100/300$1,648
250/500$1,901
100 CSL$1,589
300 CSL$1,804
500 CSL$1,960

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord EX-L 2-Dr Coupe Insurance Rates for High Risk Drivers
AgePremium
16$7,812
20$5,432
30$3,266
40$3,190
50$3,048
60$3,018

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 $206

Potential Rate Discounts

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

DiscountSavings
Multi-policy$78
Multi-vehicle$76
Homeowner$21
5-yr Accident Free$111
5-yr Claim Free$95
Paid in Full/EFT$69
Advance Quote$74
Online Quote$104
Total Discounts$628
Rate after discounts $844

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

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