Honda Accord Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 12, 2024
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Average insurance prices for a Honda Accord Hybrid are $1,214 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $242, collision costs $446, and liability insurance is estimated at $390. A policy with just liability insurance costs approximately $438 a year, with coverage for high-risk drivers costing $2,636 or more. 16-year-old drivers receive the highest rates at $4,592 a year or more.
Average premium for full coverage: $1,214
Rate estimates by individual coverage type:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Accord Hybrid trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $438 for just the minimum liability insurance to a much higher rate of $2,636 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how location impacts auto insurance prices.
These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on rate averages.
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.
Additional Rate Analysis
The chart below illustrates estimated Honda Accord Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $696
- Choosing higher $1,000 deductibles can save $156 each year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,214
- Buying more expensive low deductibles for comp and collision coverage costs an extra $304 a year
- High-risk insureds with multiple tickets or accidents could pay around $2,636 or more
- The cost to insure a teen driver with full coverage can cost $4,592 each year
Insurance rates for a Honda Accord Hybrid can also vary considerably based on policy deductibles and limits, your risk profile, and the model of your Accord Hybrid.
Opting for high physical damage deductibles can save as much as $460 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,000 additional per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 138% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Honda Accord Hybrid insurance rates. A good driver about age 40 could pay as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,640 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,096 | -$118 | -9.7% |
| Alaska | $932 | -$282 | -23.2% |
| Arizona | $1,006 | -$208 | -17.1% |
| Arkansas | $1,214 | -$0 | 0.0% |
| California | $1,384 | $170 | 14.0% |
| Colorado | $1,158 | -$56 | -4.6% |
| Connecticut | $1,246 | $32 | 2.6% |
| Delaware | $1,372 | $158 | 13.0% |
| Florida | $1,514 | $300 | 24.7% |
| Georgia | $1,124 | -$90 | -7.4% |
| Hawaii | $872 | -$342 | -28.2% |
| Idaho | $822 | -$392 | -32.3% |
| Illinois | $904 | -$310 | -25.5% |
| Indiana | $914 | -$300 | -24.7% |
| Iowa | $820 | -$394 | -32.5% |
| Kansas | $1,154 | -$60 | -4.9% |
| Kentucky | $1,656 | $442 | 36.4% |
| Louisiana | $1,796 | $582 | 47.9% |
| Maine | $750 | -$464 | -38.2% |
| Maryland | $1,002 | -$212 | -17.5% |
| Massachusetts | $968 | -$246 | -20.3% |
| Michigan | $2,106 | $892 | 73.5% |
| Minnesota | $1,018 | -$196 | -16.1% |
| Mississippi | $1,454 | $240 | 19.8% |
| Missouri | $1,078 | -$136 | -11.2% |
| Montana | $1,302 | $88 | 7.2% |
| Nebraska | $956 | -$258 | -21.3% |
| Nevada | $1,454 | $240 | 19.8% |
| New Hampshire | $876 | -$338 | -27.8% |
| New Jersey | $1,356 | $142 | 11.7% |
| New Mexico | $1,072 | -$142 | -11.7% |
| New York | $1,278 | $64 | 5.3% |
| North Carolina | $700 | -$514 | -42.3% |
| North Dakota | $994 | -$220 | -18.1% |
| Ohio | $836 | -$378 | -31.1% |
| Oklahoma | $1,246 | $32 | 2.6% |
| Oregon | $1,112 | -$102 | -8.4% |
| Pennsylvania | $1,154 | -$60 | -4.9% |
| Rhode Island | $1,618 | $404 | 33.3% |
| South Carolina | $1,100 | -$114 | -9.4% |
| South Dakota | $1,024 | -$190 | -15.7% |
| Tennessee | $1,062 | -$152 | -12.5% |
| Texas | $1,462 | $248 | 20.4% |
| Utah | $898 | -$316 | -26.0% |
| Vermont | $830 | -$384 | -31.6% |
| Virginia | $726 | -$488 | -40.2% |
| Washington | $936 | -$278 | -22.9% |
| West Virginia | $1,112 | -$102 | -8.4% |
| Wisconsin | $838 | -$376 | -31.0% |
| Wyoming | $1,080 | -$134 | -11.0% |
With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Honda Accord Hybrid | $332 | $686 | $338 | $1,492 |
| 2023 Honda Accord Hybrid | $320 | $668 | $354 | $1,478 |
| 2022 Honda Accord Hybrid | $310 | $640 | $364 | $1,450 |
| 2021 Honda Accord Hybrid | $292 | $618 | $376 | $1,422 |
| 2019 Honda Accord Hybrid | $270 | $540 | $388 | $1,334 |
| 2018 Honda Accord Hybrid | $258 | $484 | $390 | $1,268 |
| 2017 Honda Accord Hybrid | $242 | $446 | $390 | $1,214 |
| 2016 Honda Accord Hybrid | $234 | $418 | $394 | $1,182 |
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 Shop for Cheap Honda Accord Hybrid Insurance
Saving money on Honda Accord Hybrid insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The items below are a brief summary of the primary concepts that were touched on above.
- It is possible to save around $150 per year simply by shopping early and online
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,420 more per year to insure their Accord Hybrid
- Increasing deductibles could save as much as $450 each year
- Teen drivers are the costliest to insure, costing up to $383 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,592 |
| 20 | $2,808 |
| 30 | $1,262 |
| 40 | $1,214 |
| 50 | $1,112 |
| 60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,518 |
| $250 | $1,376 |
| $500 | $1,214 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,214 |
| 50/100 | $1,292 |
| 100/300 | $1,390 |
| 250/500 | $1,643 |
| 100 CSL | $1,331 |
| 300 CSL | $1,546 |
| 500 CSL | $1,702 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,550 |
| 20 | $4,476 |
| 30 | $2,690 |
| 40 | $2,636 |
| 50 | $2,516 |
| 60 | $2,492 |
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 | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $86 |
| Total Discounts | $518 |
Discounts are estimated and may not be available from every company or in every state.
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