Honda Accord Hybrid Insurance Rates

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UPDATED: Apr 12, 2024

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Estimated auto insurance rates for a Honda Accord Hybrid are $1,268 annually including full coverage. Comprehensive costs approximately $258 a year, collision insurance costs $484, and liability coverage is estimated at $390. Liability-only coverage costs approximately $438 a year, and high-risk coverage costs around $2,758. 16-year-old drivers pay the most at up to $4,770 a year.

Average premium for full coverage: $1,268

Premium estimates by type of coverage:

Comprehensive $258
Collision $484
Liability $390

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Accord Hybrid trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Honda Accord Hybrid range from as cheap as $438 for basic liability insurance to a high of $2,758 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,268
High Risk $2,758

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

These rate differences highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than using 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.

Rate Comparisons

The chart below breaks down average Honda Accord Hybrid insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $724
  • Choosing higher $1,000 deductibles can save $1,100 every year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,268
  • Buying low $100 deductibles for comp and collision coverage will cost $1,598
  • Drivers with multiple tickets or accidents could pay around $2,758
  • An auto insurance policy with full coverage for a teenage driver can cost $4,770 each year

View Chart as Image

Honda Accord Hybrid insurance cost comparison chart
Column chart showing Honda Accord Hybrid insurance rates range from $724 to $4,770 for full coverage

Insurance prices for a Honda Accord Hybrid also have a wide range based on the model of your Accord Hybrid, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $500 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

Where you choose to 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 $980 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,810 on average in Louisiana, New York, and Michigan.

Honda Accord Hybrid Insurance Rates by State
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%

View Chart as Image

Honda Accord Hybrid insurance rates by U.S. city
Honda Accord Hybrid Insurance Rates by Model Year
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 Buy Low Cost Honda Accord Hybrid Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Set aside time to shop around at least every other year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a review of the car insurance concepts raised in the charts and tables above.

  • Drivers who have several accidents or serious violations may have to pay on average $1,490 more per year for car insurance
  • You may be able to save around $150 per year just by quoting early and online
  • Increasing policy deductibles could save up to $500 each year
  • Consumers who purchase higher liability limits will pay around $430 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Honda Accord Hybrid Insurance 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

Honda Accord Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,598
$250 $1,444
$500 $1,268
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Hybrid Insurance Rates with Different Liability Limits
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

Honda Accord Hybrid Insurance 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.

SR-22 Surcharge $180

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
Rate after discounts $724

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

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