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  3. Accord
  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 $1,188 a year for full coverage insurance. Comprehensive insurance costs an estimated $284, collision costs $482, and liability coverage costs $294. A liability-only policy costs as little as $350 a year, with high-risk insurance costing $2,554 or more. Teen drivers pay the most at $4,308 a year or more.

Annual premium for full coverage: $1,188

Premium estimates broken down by type of insurance:

Comprehensive $284
Collision $482
Liability $294

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 $350 for a discount liability-only rate to a much higher rate of $2,554 for a policy for a high-risk driver.

Liability Only $350
Full Coverage $1,188
High Risk $2,554

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 $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers will have to pay at least $4,300 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 $1,170 a year in states like , , and North Carolina, or as much as $1,670 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 $510 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 $264 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 $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance can cost around 44% to 132% 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 $683 to $4,308 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 $683. Drivers who choose higher $1,000 deductibles will pay around $1,014. The average rate for a driver around age 40 using $500 deductibles is $1,188. Using more expensive $100 deductibles for physical damage coverage can cost as much as $1,524. High risk drivers could be charged up to $2,554. The price for full coverage for a teenage driver is $4,308.

Honda Accord EX-L 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,142-$46-3.9%
Alaska$972-$216-18.2%
Arizona$1,190$20.2%
Arkansas$1,206$181.5%
California$1,334$14612.3%
Colorado$1,232$443.7%
Connecticut$1,556$36831.0%
Delaware$1,448$26021.9%
Florida$1,604$41635.0%
Georgia$1,180-$8-0.7%
Hawaii$1,280$927.7%
Idaho$828-$360-30.3%
Illinois$880-$308-25.9%
Indiana$848-$340-28.6%
Iowa$894-$294-24.7%
Kansas$1,092-$96-8.1%
Kentucky$1,540$35229.6%
Louisiana$1,926$73862.1%
Maine$812-$376-31.6%
Maryland$1,222$342.9%
Massachusetts$1,048-$140-11.8%
Michigan$2,184$99683.8%
Minnesota$1,046-$142-12.0%
Mississippi$1,164-$24-2.0%
Missouri$1,014-$174-14.6%
Montana$1,078-$110-9.3%
Nebraska$980-$208-17.5%
Nevada$1,536$34829.3%
New Hampshire$970-$218-18.4%
New Jersey$1,182-$6-0.5%
New Mexico$1,102-$86-7.2%
New York$1,546$35830.1%
North Carolina$842-$346-29.1%
North Dakota$1,158-$30-2.5%
Ohio$836-$352-29.6%
Oklahoma$1,446$25821.7%
Oregon$1,112-$76-6.4%
Pennsylvania$1,338$15012.6%
Rhode Island$1,442$25421.4%
South Carolina$1,106-$82-6.9%
South Dakota$930-$258-21.7%
Tennessee$1,068-$120-10.1%
Texas$1,144-$44-3.7%
Utah$1,054-$134-11.3%
Vermont$848-$340-28.6%
Virginia$856-$332-27.9%
Washington$1,048-$140-11.8%
West Virginia$1,208$201.7%
Wisconsin$1,212$242.0%
Wyoming$1,314$12610.6%

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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$4,308
20$2,722
30$1,244
40$1,188
50$1,084
60$1,062

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord EX-L 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,524
$250$1,368
$500$1,188
$1,000$1,014

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$1,188
50/100$1,247
100/300$1,320
250/500$1,511
100 CSL$1,276
300 CSL$1,438
500 CSL$1,556

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$6,156
20$4,322
30$2,618
40$2,554
50$2,434
60$2,412

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 $163

Potential Rate Discounts

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

DiscountSavings
Multi-policy$64
Multi-vehicle$60
Homeowner$16
5-yr Accident Free$89
5-yr Claim Free$76
Paid in Full/EFT$56
Advance Quote$59
Online Quote$85
Total Discounts$505
Rate after discounts $683

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

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