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  3. Accord
  4. LX 4-Dr Sedan

Honda Accord LX 4-Dr Sedan Insurance Rates

Estimated insurance prices for a Honda Accord LX 4-Dr Sedan are $1,118 every 12 months including full coverage. Comprehensive insurance costs an estimated $258, collision costs $414, and liability insurance costs around $310. A policy with only liability insurance costs as low as $370 a year, with a high-risk policy costing $2,388 or more. Teen drivers pay the most at $4,100 a year or more.

Annual premium for full coverage: $1,118

Premium estimates broken down by type of insurance:

Comprehensive $258
Collision $414
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

For an average driver, insurance rates for a Honda Accord LX 4-Dr Sedan go from the cheapest price of $370 for liability-only coverage to a much higher rate of $2,388 for a driver required to buy high-risk insurance.

Liability Only $370
Full Coverage $1,118
High Risk $2,388

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

Choosing high deductibles could cut rates by as much as $450 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $279 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers will be charged at least $4,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Honda Accord LX 4-Dr Sedan insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.

View Chart as Image

Honda Accord LX 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Accord LX 4-Dr Sedan insurance prices range from $653 to $4,100 for full coverage

The chart above shows average Honda Accord LX 4-Dr Sedan insurance rates for different coverage choices and risks. The lowest rate with discounts is $653. Drivers who choose higher $1,000 deductibles will pay $964. The average rate for a driver around age 40 using $500 deductibles is $1,118. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,410. High risk drivers could be charged up to $2,388. The price for full coverage for a teenage driver can be as high as $4,100.

Honda Accord LX 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,008-$110-9.8%
Alaska$854-$264-23.6%
Arizona$926-$192-17.2%
Arkansas$1,118-$00.0%
California$1,270$15213.6%
Colorado$1,064-$54-4.8%
Connecticut$1,144$262.3%
Delaware$1,260$14212.7%
Florida$1,392$27424.5%
Georgia$1,032-$86-7.7%
Hawaii$800-$318-28.4%
Idaho$756-$362-32.4%
Illinois$830-$288-25.8%
Indiana$840-$278-24.9%
Iowa$752-$366-32.7%
Kansas$1,058-$60-5.4%
Kentucky$1,520$40236.0%
Louisiana$1,650$53247.6%
Maine$686-$432-38.6%
Maryland$920-$198-17.7%
Massachusetts$888-$230-20.6%
Michigan$1,934$81673.0%
Minnesota$934-$184-16.5%
Mississippi$1,336$21819.5%
Missouri$988-$130-11.6%
Montana$1,196$787.0%
Nebraska$878-$240-21.5%
Nevada$1,336$21819.5%
New Hampshire$804-$314-28.1%
New Jersey$1,248$13011.6%
New Mexico$986-$132-11.8%
New York$1,174$565.0%
North Carolina$642-$476-42.6%
North Dakota$912-$206-18.4%
Ohio$770-$348-31.1%
Oklahoma$1,144$262.3%
Oregon$1,022-$96-8.6%
Pennsylvania$1,062-$56-5.0%
Rhode Island$1,486$36832.9%
South Carolina$1,010-$108-9.7%
South Dakota$938-$180-16.1%
Tennessee$974-$144-12.9%
Texas$1,344$22620.2%
Utah$824-$294-26.3%
Vermont$762-$356-31.8%
Virginia$668-$450-40.3%
Washington$860-$258-23.1%
West Virginia$1,024-$94-8.4%
Wisconsin$770-$348-31.1%
Wyoming$992-$126-11.3%

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

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Rates by Driver Age

Honda Accord LX 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$4,100
20$2,546
30$1,164
40$1,118
50$1,018
60$1,000

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord LX 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,410
$250$1,274
$500$1,118
$1,000$964

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord LX 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,118
50/100$1,180
100/300$1,258
250/500$1,459
100 CSL$1,211
300 CSL$1,382
500 CSL$1,506

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord LX 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$5,842
20$4,036
30$2,444
40$2,388
50$2,276
60$2,254

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 $150

Potential Rate Discounts

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

DiscountSavings
Multi-policy$59
Multi-vehicle$56
Homeowner$16
5-yr Accident Free$80
5-yr Claim Free$71
Paid in Full/EFT$50
Advance Quote$54
Online Quote$79
Total Discounts$465
Rate after discounts $653

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

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