Honda Accord Hybrid Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 12, 2024
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The average insurance rates for a Honda Accord Hybrid are $1,268 a year for full coverage. Comprehensive insurance costs an estimated $258, collision insurance costs $484, and liability costs $390. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $2,758 or more. Teenage drivers cost the most to insure at up to $4,770 a year.
Average premium for full coverage: $1,268
Policy rates broken down by type of insurance:
These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Accord Hybrid trim levels.
Price Range Variability
For the normal driver, Honda Accord Hybrid insurance rates range from the low end price of $438 for just liability coverage to a much higher rate of $2,758 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.
The examples above show why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Detailed Rate Analysis
The chart below shows average Honda Accord Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $724
- Drivers who choose higher $1,000 deductibles will pay approximately $168 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,268
- Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $330 annually
- Drivers who are prone to accidents and violations could pay up to $2,758
- Policy cost that insures a 16-year-old driver with full coverage can cost as much as $4,770 a year
Insurance rates for a Honda Accord Hybrid also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age
Your home state makes a big difference in Honda Accord Hybrid insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,810 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,148 | -$120 | -9.5% |
| Alaska | $974 | -$294 | -23.2% |
| Arizona | $1,052 | -$216 | -17.0% |
| Arkansas | $1,268 | -$0 | 0.0% |
| California | $1,446 | $178 | 14.0% |
| Colorado | $1,210 | -$58 | -4.6% |
| Connecticut | $1,304 | $36 | 2.8% |
| Delaware | $1,434 | $166 | 13.1% |
| Florida | $1,586 | $318 | 25.1% |
| Georgia | $1,174 | -$94 | -7.4% |
| Hawaii | $912 | -$356 | -28.1% |
| Idaho | $860 | -$408 | -32.2% |
| Illinois | $946 | -$322 | -25.4% |
| Indiana | $958 | -$310 | -24.4% |
| Iowa | $856 | -$412 | -32.5% |
| Kansas | $1,206 | -$62 | -4.9% |
| Kentucky | $1,732 | $464 | 36.6% |
| Louisiana | $1,878 | $610 | 48.1% |
| Maine | $784 | -$484 | -38.2% |
| Maryland | $1,048 | -$220 | -17.4% |
| Massachusetts | $1,012 | -$256 | -20.2% |
| Michigan | $2,204 | $936 | 73.8% |
| Minnesota | $1,064 | -$204 | -16.1% |
| Mississippi | $1,520 | $252 | 19.9% |
| Missouri | $1,128 | -$140 | -11.0% |
| Montana | $1,362 | $94 | 7.4% |
| Nebraska | $1,000 | -$268 | -21.1% |
| Nevada | $1,522 | $254 | 20.0% |
| New Hampshire | $916 | -$352 | -27.8% |
| New Jersey | $1,418 | $150 | 11.8% |
| New Mexico | $1,124 | -$144 | -11.4% |
| New York | $1,336 | $68 | 5.4% |
| North Carolina | $730 | -$538 | -42.4% |
| North Dakota | $1,040 | -$228 | -18.0% |
| Ohio | $874 | -$394 | -31.1% |
| Oklahoma | $1,304 | $36 | 2.8% |
| Oregon | $1,162 | -$106 | -8.4% |
| Pennsylvania | $1,208 | -$60 | -4.7% |
| Rhode Island | $1,692 | $424 | 33.4% |
| South Carolina | $1,150 | -$118 | -9.3% |
| South Dakota | $1,070 | -$198 | -15.6% |
| Tennessee | $1,110 | -$158 | -12.5% |
| Texas | $1,530 | $262 | 20.7% |
| Utah | $940 | -$328 | -25.9% |
| Vermont | $868 | -$400 | -31.5% |
| Virginia | $760 | -$508 | -40.1% |
| Washington | $980 | -$288 | -22.7% |
| West Virginia | $1,164 | -$104 | -8.2% |
| Wisconsin | $876 | -$392 | -30.9% |
| Wyoming | $1,130 | -$138 | -10.9% |
Using high physical damage deductibles could save up to $500 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Honda Accord Hybrid | $346 | $690 | $332 | $1,504 |
| 2023 Honda Accord Hybrid | $332 | $686 | $338 | $1,492 |
| 2022 Honda Accord Hybrid | $320 | $668 | $354 | $1,478 |
| 2021 Honda Accord Hybrid | $310 | $640 | $364 | $1,450 |
| 2019 Honda Accord Hybrid | $282 | $574 | $384 | $1,376 |
| 2018 Honda Accord Hybrid | $270 | $540 | $388 | $1,334 |
| 2017 Honda Accord Hybrid | $258 | $484 | $390 | $1,268 |
| 2016 Honda Accord Hybrid | $242 | $446 | $390 | $1,214 |
Rates are averaged for all Honda Accord Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Honda Accord Hybrid Insurance
Finding cheaper rates on insurance for a Honda Accord Hybrid not only requires being a low-risk driver, but also having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at every other renewal by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.
The items below are a brief summary of the concepts that were presented in the illustrations above.
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,490 more annually to insure their Accord Hybrid
- Teen drivers are expensive to insure, costing up to $398 each month if comprehensive and collision insurance is included
- Drivers can save approximately $150 per year just by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- Drivers can save approximately $150 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,770 |
| 20 | $2,940 |
| 30 | $1,322 |
| 40 | $1,268 |
| 50 | $1,162 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,598 |
| $250 | $1,444 |
| $500 | $1,268 |
| $1,000 | $1,100 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,268 |
| 50/100 | $1,346 |
| 100/300 | $1,444 |
| 250/500 | $1,697 |
| 100 CSL | $1,385 |
| 300 CSL | $1,600 |
| 500 CSL | $1,756 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,812 |
| 20 | $4,684 |
| 30 | $2,818 |
| 40 | $2,758 |
| 50 | $2,634 |
| 60 | $2,610 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $58 |
| Advance Quote | $63 |
| Online Quote | $91 |
| Total Discounts | $544 |
Discounts are estimated and may not be available from every company or in every state.
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