Honda Accord Hybrid Insurance Rates

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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 including full coverage. Comprehensive insurance costs around $258, collision costs $484, and liability insurance costs around $390. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing $2,758 or more. Teenage drivers cost the most to insure at $4,770 a year or more.

Average premium for full coverage: $1,268

Policy rates for type of insurance:

Comprehensive $258
Collision $484
Liability $390

Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Accord Hybrid trim levels.

Price Range Variability

Using a middle-aged driver as an example, Honda Accord Hybrid insurance rates go from the low end price of $438 for basic liability insurance to a much higher rate of $2,758 for a driver who has had serious violations or accidents.

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

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance rates.

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

The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying 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.

Rate Comparisons

The chart below breaks down estimated Honda Accord Hybrid insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $724
  • Using higher $1,000 deductibles will save about $168 every year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,268
  • Using more expensive low deductibles for physical damage coverage will cost an additional $330 a year
  • Drivers who are prone to accidents and violations could pay at least $2,758 or more
  • Policy cost that insures a teen driver with full coverage can be $4,770 or more

View Chart as Image

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

Insurance rates for a Honda Accord Hybrid also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 132% 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 $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $4,700 a year. View Rates by Age

Your home state has a huge impact on Honda Accord Hybrid insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,810 on average in Michigan, New York, and Louisiana.

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

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

Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates will be varied.

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 Find More Affordable Honda Accord Hybrid Insurance

Finding cheaper rates on Honda Accord Hybrid insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices every other policy renewal by requesting rates from direct car insurance companies, and also from local insurance agencies.

The items below are a summary of the ideas that were touched on in the above illustrations.

  • Teen drivers pay higher rates, with premiums being up to $398 each month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations may have to pay on average $1,490 more every year to insure their Accord Hybrid
  • Increasing comprehensive and collision deductibles can save approximately $500 each year
  • You may be able to save up to $150 per year simply by shopping early and online

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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