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  4. LX-S 2-Dr Coupe

Honda Accord LX-S 2-Dr Coupe Insurance Rates

Average insurance rates for a Honda Accord LX-S 2-Dr Coupe are $1,386 a year including full coverage. Comprehensive insurance costs an estimated $284, collision insurance costs $542, and liability insurance costs $390. Only liability insurance costs as little as $462 a year, and high-risk insurance costs $3,000 or more. Teenage drivers receive the highest rates at up to $5,198 a year.

Annual premium for full coverage: $1,386

Rate estimates broken down by type of insurance:

Comprehensive $284
Collision $542
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 the normal driver, prices range from the low end price of $462 for your basic liability-only policy to a much higher rate of $3,000 for a driver who requires high-risk insurance.

Liability Only $462
Full Coverage $1,386
High Risk $3,000

These differences highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on average rates.

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Insurance rates for a Honda Accord LX-S 2-Dr Coupe can also vary considerably based on the model year, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $5,100 a year. View Rates by Age

Where you live makes a big difference in Honda Accord LX-S 2-Dr Coupe insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,890 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $560 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every company uses a different method to calculate prices, so the rates can be significantly different.

View Chart as Image

Honda Accord LX-S 2-Dr Coupe insurance cost comparison chart
Column chart showing Honda Accord LX-S 2-Dr Coupe insurance prices range from $800 to $5,198 for full coverage

The chart above shows average Honda Accord LX-S 2-Dr Coupe insurance prices for various risks and coverage choices. The lowest price with discounts is $800. Drivers who use higher $1,000 deductibles will pay $1,200. The average price for a driver around age 40 using $500 deductibles is $1,386. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,752. Drivers with multiple violations and accidents could be charged as much as $3,000. The price for full coverage for a teenage driver is $5,198.

Honda Accord LX-S 2-Dr Coupe Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,334-$52-3.8%
Alaska$1,138-$248-17.9%
Arizona$1,390$40.3%
Arkansas$1,408$221.6%
California$1,558$17212.4%
Colorado$1,442$564.0%
Connecticut$1,818$43231.2%
Delaware$1,692$30622.1%
Florida$1,870$48434.9%
Georgia$1,374-$12-0.9%
Hawaii$1,498$1128.1%
Idaho$966-$420-30.3%
Illinois$1,030-$356-25.7%
Indiana$990-$396-28.6%
Iowa$1,044-$342-24.7%
Kansas$1,272-$114-8.2%
Kentucky$1,798$41229.7%
Louisiana$2,250$86462.3%
Maine$950-$436-31.5%
Maryland$1,428$423.0%
Massachusetts$1,222-$164-11.8%
Michigan$2,552$1,16684.1%
Minnesota$1,218-$168-12.1%
Mississippi$1,358-$28-2.0%
Missouri$1,184-$202-14.6%
Montana$1,258-$128-9.2%
Nebraska$1,144-$242-17.5%
Nevada$1,792$40629.3%
New Hampshire$1,132-$254-18.3%
New Jersey$1,380-$6-0.4%
New Mexico$1,288-$98-7.1%
New York$1,806$42030.3%
North Carolina$986-$400-28.9%
North Dakota$1,350-$36-2.6%
Ohio$976-$410-29.6%
Oklahoma$1,686$30021.6%
Oregon$1,298-$88-6.3%
Pennsylvania$1,564$17812.8%
Rhode Island$1,682$29621.4%
South Carolina$1,292-$94-6.8%
South Dakota$1,086-$300-21.6%
Tennessee$1,246-$140-10.1%
Texas$1,336-$50-3.6%
Utah$1,232-$154-11.1%
Vermont$988-$398-28.7%
Virginia$998-$388-28.0%
Washington$1,222-$164-11.8%
West Virginia$1,412$261.9%
Wisconsin$1,416$302.2%
Wyoming$1,534$14810.7%

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

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Rates by Driver Age

Honda Accord LX-S 2-Dr Coupe Insurance Rates by Driver Age
Driver AgePremium
16$5,198
20$3,214
30$1,446
40$1,386
50$1,268
60$1,244

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord LX-S 2-Dr Coupe Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,752
$250$1,582
$500$1,386
$1,000$1,200

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord LX-S 2-Dr Coupe Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,386
50/100$1,464
100/300$1,562
250/500$1,815
100 CSL$1,503
300 CSL$1,718
500 CSL$1,874

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord LX-S 2-Dr Coupe Insurance Rates for High Risk Drivers
AgePremium
16$7,406
20$5,108
30$3,066
40$3,000
50$2,866
60$2,836

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 $193

Potential Rate Discounts

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

DiscountSavings
Multi-policy$73
Multi-vehicle$72
Homeowner$20
5-yr Accident Free$102
5-yr Claim Free$89
Paid in Full/EFT$64
Advance Quote$69
Online Quote$97
Total Discounts$586
Rate after discounts $800

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

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