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  4. EX-L 4-Dr Sedan

Honda Accord EX-L 4-Dr Sedan Insurance Rates

Estimated insurance rates for a Honda Accord EX-L 4-Dr Sedan are $1,252 a year for full coverage insurance. Comprehensive insurance costs an estimated $298, collision costs $508, and liability coverage costs $310. A liability-only policy costs as little as $370 a year, with high-risk insurance costing $2,690 or more. Teen drivers pay the most at $4,534 a year or more.

Annual premium for full coverage: $1,252

Premium estimates broken down by type of insurance:

Comprehensive $298
Collision $508
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, insurance rates for a Honda Accord EX-L 4-Dr Sedan go from as low as $370 for a discount liability-only rate to a much higher rate of $2,690 for a policy for a high-risk driver.

Liability Only $370
Full Coverage $1,252
High Risk $2,690

These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using price averages.

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Auto insurance rates for a Honda Accord EX-L 4-Dr Sedan also have a wide range based on your driving characteristics, the model year, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers will have to pay at least $4,500 a year. View Rates by Age

Where you choose to live makes a big difference in Honda Accord EX-L 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $540 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $279 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,000 in extra premium annually, depending on your age. High-risk driver insurance can cost around 44% to 134% more than average. View High Risk Driver Rates

With such a large range of rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every company uses a different rate calculation, and quoted rates will be substantially different from one company to the next.

View Chart as Image

Honda Accord EX-L 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Accord EX-L 4-Dr Sedan insurance prices range from $721 to $4,534 for full coverage

The chart estimates Honda Accord EX-L 4-Dr Sedan insurance rates for different risk profiles and scenarios. The cheapest rate with discounts is $721. Drivers who choose higher $1,000 deductibles will pay around $1,070. The average rate for a driver around age 40 using $500 deductibles is $1,252. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,608. High risk drivers could be charged up to $2,690. The price for full coverage for a teenage driver is $4,534.

Honda Accord EX-L 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,132-$120-9.6%
Alaska$960-$292-23.3%
Arizona$1,038-$214-17.1%
Arkansas$1,252-$00.0%
California$1,426$17413.9%
Colorado$1,196-$56-4.5%
Connecticut$1,284$322.6%
Delaware$1,414$16212.9%
Florida$1,564$31224.9%
Georgia$1,158-$94-7.5%
Hawaii$898-$354-28.3%
Idaho$848-$404-32.3%
Illinois$930-$322-25.7%
Indiana$944-$308-24.6%
Iowa$844-$408-32.6%
Kansas$1,188-$64-5.1%
Kentucky$1,708$45636.4%
Louisiana$1,852$60047.9%
Maine$772-$480-38.3%
Maryland$1,032-$220-17.6%
Massachusetts$996-$256-20.4%
Michigan$2,170$91873.3%
Minnesota$1,048-$204-16.3%
Mississippi$1,498$24619.6%
Missouri$1,112-$140-11.2%
Montana$1,344$927.3%
Nebraska$986-$266-21.2%
Nevada$1,500$24819.8%
New Hampshire$902-$350-28.0%
New Jersey$1,400$14811.8%
New Mexico$1,106-$146-11.7%
New York$1,318$665.3%
North Carolina$720-$532-42.5%
North Dakota$1,024-$228-18.2%
Ohio$862-$390-31.2%
Oklahoma$1,284$322.6%
Oregon$1,148-$104-8.3%
Pennsylvania$1,190-$62-5.0%
Rhode Island$1,668$41633.2%
South Carolina$1,134-$118-9.4%
South Dakota$1,054-$198-15.8%
Tennessee$1,094-$158-12.6%
Texas$1,508$25620.4%
Utah$926-$326-26.0%
Vermont$856-$396-31.6%
Virginia$750-$502-40.1%
Washington$964-$288-23.0%
West Virginia$1,148-$104-8.3%
Wisconsin$864-$388-31.0%
Wyoming$1,114-$138-11.0%

View Chart as Image

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

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Rates by Driver Age

Honda Accord EX-L 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$4,534
20$2,866
30$1,312
40$1,252
50$1,142
60$1,120

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord EX-L 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,608
$250$1,444
$500$1,252
$1,000$1,070

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord EX-L 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,252
50/100$1,314
100/300$1,392
250/500$1,593
100 CSL$1,345
300 CSL$1,516
500 CSL$1,640

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord EX-L 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$6,482
20$4,548
30$2,758
40$2,690
50$2,564
60$2,538

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 $171

Potential Rate Discounts

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

DiscountSavings
Multi-policy$67
Multi-vehicle$63
Homeowner$17
5-yr Accident Free$94
5-yr Claim Free$80
Paid in Full/EFT$59
Advance Quote$62
Online Quote$89
Total Discounts$531
Rate after discounts $721

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

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