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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 $1,058 every 12 months including full coverage. Comprehensive insurance costs an estimated $244, collision costs $392, and liability insurance costs around $294. A policy with only liability insurance costs as low as $350 a year, with a high-risk policy costing $2,268 or more. Teen drivers pay the most at $3,896 a year or more.

Annual premium for full coverage: $1,058

Premium estimates broken down by type of insurance:

Comprehensive $244
Collision $392
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

For an average driver, insurance rates for a Honda Accord LX 4-Dr Sedan go from the cheapest price of $350 for liability-only coverage to a much higher rate of $2,268 for a driver required to buy high-risk insurance.

Liability Only $350
Full Coverage $1,058
High Risk $2,268

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 $430 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 $264 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 $3,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 127% 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 $1,050 a year in states like North Carolina, Indiana, and , or as much as $1,890 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 $618 to $3,896 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 $618. Drivers who choose higher $1,000 deductibles will pay $914. The average rate for a driver around age 40 using $500 deductibles is $1,058. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,336. High risk drivers could be charged up to $2,268. The price for full coverage for a teenage driver can be as high as $3,896.

Honda Accord LX 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,018-$40-3.8%
Alaska$866-$192-18.1%
Arizona$1,062$40.4%
Arkansas$1,074$161.5%
California$1,190$13212.5%
Colorado$1,098$403.8%
Connecticut$1,386$32831.0%
Delaware$1,290$23221.9%
Florida$1,430$37235.2%
Georgia$1,052-$6-0.6%
Hawaii$1,142$847.9%
Idaho$738-$320-30.2%
Illinois$786-$272-25.7%
Indiana$756-$302-28.5%
Iowa$796-$262-24.8%
Kansas$972-$86-8.1%
Kentucky$1,372$31429.7%
Louisiana$1,716$65862.2%
Maine$724-$334-31.6%
Maryland$1,090$323.0%
Massachusetts$934-$124-11.7%
Michigan$1,944$88683.7%
Minnesota$930-$128-12.1%
Mississippi$1,038-$20-1.9%
Missouri$904-$154-14.6%
Montana$960-$98-9.3%
Nebraska$874-$184-17.4%
Nevada$1,370$31229.5%
New Hampshire$862-$196-18.5%
New Jersey$1,056-$2-0.2%
New Mexico$980-$78-7.4%
New York$1,378$32030.2%
North Carolina$750-$308-29.1%
North Dakota$1,032-$26-2.5%
Ohio$744-$314-29.7%
Oklahoma$1,286$22821.6%
Oregon$990-$68-6.4%
Pennsylvania$1,190$13212.5%
Rhode Island$1,284$22621.4%
South Carolina$986-$72-6.8%
South Dakota$830-$228-21.6%
Tennessee$952-$106-10.0%
Texas$1,018-$40-3.8%
Utah$938-$120-11.3%
Vermont$756-$302-28.5%
Virginia$762-$296-28.0%
Washington$934-$124-11.7%
West Virginia$1,076$181.7%
Wisconsin$1,078$201.9%
Wyoming$1,170$11210.6%

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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$3,896
20$2,418
30$1,102
40$1,058
50$966
60$946

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord LX 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,336
$250$1,208
$500$1,058
$1,000$914

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$1,058
50/100$1,117
100/300$1,190
250/500$1,381
100 CSL$1,146
300 CSL$1,308
500 CSL$1,426

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord LX 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$5,546
20$3,836
30$2,320
40$2,268
50$2,160
60$2,140

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 $143

Potential Rate Discounts

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

DiscountSavings
Multi-policy$56
Multi-vehicle$53
Homeowner$15
5-yr Accident Free$76
5-yr Claim Free$67
Paid in Full/EFT$48
Advance Quote$51
Online Quote$74
Total Discounts$440
Rate after discounts $618

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

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