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Honda Accord Insurance Rates

Honda Accord insurance

The Honda Accord has consistently been one of the best selling cars in America, with only the Toyota Corolla, Toyota Camry, and Honda Civic having more models on the road. With models now including the 2.0L turbo, a 1.5L turbo, Accord Hybrid, and various trim levels of the standard sedan, there are a lot of Accords to choose from.

When buying an Accord, the cost of insurance should always be considered in the overall cost of ownership. Honda includes a lot of standard features on their Accord model that help keep insurance costs down, and other optional features that can drive the price down even further. Let’s take a look at the overall insurance rate summary and then dive into some of the factors that can influence how much insurance is going to cost you after you sign on the dotted line.

Estimated insurance prices for a Honda Accord are $1,248 every 12 months with full coverage. Comprehensive insurance costs an estimated $266, collision costs $476, and liability insurance costs $354. Liability-only insurance costs as little as $416 a year, with high-risk driver insurance costing $2,688 or more. Teens pay the most at $4,644 a year or more.

Average premium for full coverage: $1,248

Premium estimates broken down by type of coverage:

Comprehensive $266
Collision $476
Liability $354

Includes $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Accord trim levels.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Honda Accord go from the cheapest price of $416 for minimum levels of liability insurance to a much higher rate of $2,688 for a driver that may need high-risk insurance.

Liability Only $416
Full Coverage $1,248
High Risk $2,688

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

Rural Areas $936
Small Cities $1,310
Large Cities $1,685

These rate differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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Additional Rate Details

The chart below details estimated Honda Accord insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $723
  • Drivers who choose higher $1,000 deductibles will pay approximately $170 annually
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,248
  • Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $326 a year
  • High risk drivers with serious driving violations could pay up to $2,688 or more
  • An auto insurance policy to insure a teen driver with full coverage can cost as much as $4,644 a year

View Chart as Image

Honda Accord insurance cost comparison chart
Column chart showing full coverage Honda Accord insurance prices range from $723 to $4,644

Insurance prices for a Honda Accord also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $500 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $360 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 $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,500 to $2,000 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Honda Accord insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,870 on average in New York, Michigan, and Florida.

Honda Accord Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,198-$50-4.0%
Alaska$1,022-$226-18.1%
Arizona$1,252$40.3%
Arkansas$1,262$141.1%
California$1,400$15212.2%
Colorado$1,294$463.7%
Connecticut$1,634$38630.9%
Delaware$1,516$26821.5%
Florida$1,684$43634.9%
Georgia$1,236-$12-1.0%
Hawaii$1,346$987.9%
Idaho$868-$380-30.4%
Illinois$926-$322-25.8%
Indiana$888-$360-28.8%
Iowa$938-$310-24.8%
Kansas$1,144-$104-8.3%
Kentucky$1,614$36629.3%
Louisiana$2,020$77261.9%
Maine$854-$394-31.6%
Maryland$1,282$342.7%
Massachusetts$1,098-$150-12.0%
Michigan$2,292$1,04483.7%
Minnesota$1,094-$154-12.3%
Mississippi$1,220-$28-2.2%
Missouri$1,064-$184-14.7%
Montana$1,130-$118-9.5%
Nebraska$1,028-$220-17.6%
Nevada$1,608$36028.8%
New Hampshire$1,018-$230-18.4%
New Jersey$1,242-$6-0.5%
New Mexico$1,156-$92-7.4%
New York$1,620$37229.8%
North Carolina$886-$362-29.0%
North Dakota$1,212-$36-2.9%
Ohio$878-$370-29.6%
Oklahoma$1,514$26621.3%
Oregon$1,166-$82-6.6%
Pennsylvania$1,404$15612.5%
Rhode Island$1,512$26421.2%
South Carolina$1,162-$86-6.9%
South Dakota$976-$272-21.8%
Tennessee$1,122-$126-10.1%
Texas$1,198-$50-4.0%
Utah$1,104-$144-11.5%
Vermont$886-$362-29.0%
Virginia$896-$352-28.2%
Washington$1,098-$150-12.0%
West Virginia$1,270$221.8%
Wisconsin$1,270$221.8%
Wyoming$1,378$13010.4%

View Chart as Image

Honda Accord insurance rates by U.S. city

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from as many companies as possible. Every company calculates prices differently, and prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Honda Accord Insurance Rates by Model and Trim Level
Model and TrimAnnual PremiumMonthly Premium
Honda Accord LX 4-Dr Sedan$1,054$88
Honda Accord EX 4-Dr Sedan$1,098$92
Honda Accord LX-P 4-Dr Sedan$1,098$92
Honda Accord EX 2-Dr Coupe$1,384$115
Honda Accord EX-L 4-Dr Sedan$1,184$99
Honda Accord LX-S 2-Dr Coupe$1,384$115
Honda Accord EX-L 2-Dr Coupe$1,470$123

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Honda Accord Insurance Rates by Model Year
Model YearComprehensiveCollisionLiabilityTotal Premium
2018 Honda Accord$266$476$354$1,248
2017 Honda Accord$254$456$370$1,232
2016 Honda Accord$244$454$378$1,228
2015 Honda Accord$236$442$396$1,226
2014 Honda Accord$228$424$408$1,212
2013 Honda Accord$214$408$420$1,194
2012 Honda Accord$206$380$428$1,166
2011 Honda Accord$198$358$432$1,140
2010 Honda Accord$190$320$436$1,098
2009 Honda Accord$178$294$436$1,060
2008 Honda Accord$172$276$440$1,040
2007 Honda Accord$168$258$450$1,028
2006 Honda Accord$154$240$450$996
2005 Honda Accord$150$218$454$974
2004 Honda Accord$140$198$450$940
2003 Honda Accord$132$180$450$914
2002 Honda Accord$128$162$446$888
2001 Honda Accord$126$158$436$872
2000 Honda Accord$124$152$428$856
1999 Honda Accord$114$144$424$834

Rates are averaged for all Honda Accord 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 the Cheapest Honda Accord Insurance

Finding better rates on Honda Accord insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and maximizing policy discounts. Spend time shopping around once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following is a recap of the data that was touched on above.

  • You may be able to save approximately $150 per year simply by shopping early and online
  • Drivers who want higher liability limits will pay approximately $390 every year to go from 30/60 bodily injury limits to a 250/500 level
  • Teens are expensive to insure, possibly costing $387 per month if full coverage is included
  • High-risk drivers that have major violations or accidents may pay on average $1,440 more annually for Accord insurance

Honda Accord Features that Help Reduce Insurance Cost

Standard in all Honda Accord models is the Honda Sensing technology suite that helps mitigate accidents and keeps the driver aware. Honda Sensing includes the following features:

  • Collision Mitigation Braking System – When an accident is imminent, this feature applies the brakes to help prevent a collision.
  • Road Departure Mitigation System – This feature detects when the car drifts too far to the side of the road and can steer the vehicle back into the lane.
  • Adaptive Cruise Control – This is one of our favorite features, as it prevents the need to constantly monitor cruise control settings. As you approach a slower-moving vehicle, the system adapts your speed to maintain a safe distance behind the vehicle. After you signal to pass and are clear of the vehicle, the system will automatically speed up to the set cruise speed.
  • Lane Keeping Assist System – This detects when the vehicle approaches a lane marking and will nudge the car back into the center of the lane if you have not signaled a lane change.
  • Traffic Sign Recognition – New on 2018 models, this feature can detect speed limit signs and alert the driver to changes in speed.

The Honda Sensing suite does a fantastic job at helping reduce accidents and as a result, fewer accidents means lower insurance rates. The technology does not entirely replace driver awareness and safe driving habits, but it can help reduce the chances of an accident or reduce the severity.

Another new feature that is standard on the Accord Sport 2.0T, EX, EX-L, and Touring models is Multi-Angle Awareness and Cross Traffic Monitor built into the rearview camera. This technology expands the sensor sensitivity to include a wider sensor field and also detects vehicles that may be approaching from the left or right behind your Accord. This can help reduce collisions that occur from backing out of your driveway or a parking stall.

Honda Accord is an IIHS 2018 Top Safety Pick

The 2018 Honda Accord received the IIHS top safety pick award by earning good ratings for small overlap front, moderate overlap front, and side collision crashworthiness. It also received a good rating for roof strength and head restraints. The Honda Sensing suite helped it earn a superior rating for front crash prevention, and the headlights were rated as acceptable.

The one improvement over the 2017 Accord safety ratings was the improvement of the child seat anchors. The 2018 model received a good rating, while the 2017 model received an acceptable rating.

Since insurance rates correlate directly to the likelihood of occupant injury in an accident, the safety features built into the Honda Accord and the excellent IIHS ratings mean you won’t find a safer car for the money.

Honda Accord prices range from $23,570 for the LX model up to $29,970 for the EX-L model, with the Hybrid, Sport, and EX models priced between. The entry price for an Accord LX is lower than the Toyota Camry LE, but is slightly higher than both the Nissan Altima 2.5 S and the Hyundai Sonata SE.

If you are looking for a good looking sedan that offers a top-notch suite of safety features and is affordable to insure, the Honda Accord should be at the top of your list.

 

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Rates by Driver Age

Honda Accord Insurance Rates by Driver Age
Driver AgePremium
16$4,644
20$2,872
30$1,298
40$1,248
50$1,138
60$1,116

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,574
$250$1,424
$500$1,248
$1,000$1,078

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,248
50/100$1,550
100/300$1,650
250/500$1,910
100 CSL$1,590
300 CSL$1,810
500 CSL$1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord Insurance Rates for High Risk Drivers
AgePremium
16$6,616
20$4,562
30$2,746
40$2,688
50$2,564
60$2,536

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 $172

Potential Rate Discounts

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

DiscountSavings
Multi-policy$66
Multi-vehicle$64
Homeowner$18
5-yr Accident Free$91
5-yr Claim Free$80
Paid in Full/EFT$57
Advance Quote$61
Online Quote$88
Total Discounts$525
Rate after discounts $723

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

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