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Honda Accord Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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Are you wondering why Honda Accord insurance is so expensive? The truth is, it doesn’t have to be. The average Honda Accord car insurance rates are $109 per month or $1,310 annually. 

However, many factors impact your Honda Accord auto insurance quotes, like the age of your model. For example, the 2017 Honda Accord insurance costs will be lower than the 2005 Honda Accord insurance costs. 

How do the 2019 Honda Accord Sport 2.0T insurance costs compare to the 2002 Honda Accord insurance rates? Read through our brief guide to have these questions and more answered as you search for an affordable Honda Accord car insurance company.

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. The Honda Accord model options now include the 2.0L turbo model, a 1.5L turbo model, the Accord Hybrid, and various other trims. 

Read through our complete Honda Accord insurance guide to better understand how your rates are calculated. We’ll also review a few car insurance basics, like what does liability insurance cover, and is it enough to fully protect your Honda Accord?

When buying an Accord, the cost of car insurance should always be considered in the overall cost of ownership. Honda includes a lot of standard features on its Accord model that help keep insurance costs down. 

Let’s take a look at the overall insurance rate summary and dive into some of the factors that can influence how much insurance is going to cost you after you sign on the dotted line.

Can’t wait to get started? Enter your ZIP code into our free quote comparison tool above to find cheap Honda car insurance near you.

The average insurance rates for a Honda Accord are $1,298 a year with full coverage. Comprehensive costs approximately $268 each year, collision costs $482, and liability is $390. A liability-only policy costs around $452 a year, with high-risk insurance costing around $2,802. 16-year-old drivers cost the most to insure at $4,876 a year or more.

Average premium for full coverage: $1,298

Policy rates by type of insurance:

Comprehensive $268
Collision $482
Liability $390

Prices are based on $500 deductibles, 30/60 split liability limits, and includes uninsured motorist coverage. Prices are averaged for all U.S. states and Accord models.

Price Range Variability

For a driver around age 40, Honda Accord insurance rates go from as low as $452 for only liability insurance to a high rate of $2,802 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,298
High Risk $2,802

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $974
Small Cities $1,363
Large Cities $1,752

The examples above demonstrate why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based 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.

Insurance Rate Analysis

The chart below details estimated Honda Accord insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $754
  • Raising to $1,000 deductibles will save $170 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,298
  • Buying low deductibles will increase the cost to $1,626
  • Drivers with multiple tickets or accidents could pay around $2,802 or more
  • Policy cost for full coverage for a 16-year-old driver can cost $4,876

View Chart as Image

Honda Accord insurance cost comparison chart
Column chart showing full coverage Honda Accord insurance rates range from $754 to $4,876

Car insurance rates for a Honda Accord also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,800 a year. View Rates by Age

Your home state also has a big influence on Honda Accord insurance prices. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.

Honda Accord Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,172 -$126 -9.7%
Alaska $994 -$304 -23.4%
Arizona $1,078 -$220 -16.9%
Arkansas $1,298 -$0 0.0%
California $1,476 $178 13.7%
Colorado $1,240 -$58 -4.5%
Connecticut $1,332 $34 2.6%
Delaware $1,468 $170 13.1%
Florida $1,624 $326 25.1%
Georgia $1,198 -$100 -7.7%
Hawaii $932 -$366 -28.2%
Idaho $878 -$420 -32.4%
Illinois $966 -$332 -25.6%
Indiana $976 -$322 -24.8%
Iowa $874 -$424 -32.7%
Kansas $1,232 -$66 -5.1%
Kentucky $1,768 $470 36.2%
Louisiana $1,920 $622 47.9%
Maine $798 -$500 -38.5%
Maryland $1,068 -$230 -17.7%
Massachusetts $1,038 -$260 -20.0%
Michigan $2,254 $956 73.7%
Minnesota $1,084 -$214 -16.5%
Mississippi $1,552 $254 19.6%
Missouri $1,152 -$146 -11.2%
Montana $1,394 $96 7.4%
Nebraska $1,024 -$274 -21.1%
Nevada $1,554 $256 19.7%
New Hampshire $932 -$366 -28.2%
New Jersey $1,450 $152 11.7%
New Mexico $1,148 -$150 -11.6%
New York $1,366 $68 5.2%
North Carolina $746 -$552 -42.5%
North Dakota $1,062 -$236 -18.2%
Ohio $896 -$402 -31.0%
Oklahoma $1,332 $34 2.6%
Oregon $1,188 -$110 -8.5%
Pennsylvania $1,238 -$60 -4.6%
Rhode Island $1,730 $432 33.3%
South Carolina $1,176 -$122 -9.4%
South Dakota $1,094 -$204 -15.7%
Tennessee $1,138 -$160 -12.3%
Texas $1,564 $266 20.5%
Utah $960 -$338 -26.0%
Vermont $886 -$412 -31.7%
Virginia $776 -$522 -40.2%
Washington $1,002 -$296 -22.8%
West Virginia $1,190 -$108 -8.3%
Wisconsin $898 -$400 -30.8%
Wyoming $1,156 -$142 -10.9%

View Chart as Image

Honda Accord insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $500 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $396 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Honda Accord Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Accord LX 4-Dr Sedan $1,102 $92
Honda Accord EX 4-Dr Sedan $1,144 $95
Honda Accord LX-P 4-Dr Sedan $1,144 $95
Honda Accord EX 2-Dr Coupe $1,442 $120
Honda Accord EX-L 4-Dr Sedan $1,230 $103
Honda Accord LX-S 2-Dr Coupe $1,442 $120
Honda Accord EX-L 2-Dr Coupe $1,526 $127

Rates assume 2020 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 Year Comprehensive Collision Liability Total Premium
2020 Honda Accord $268 $482 $390 $1,298
2019 Honda Accord $256 $478 $398 $1,290
2018 Honda Accord $248 $466 $416 $1,288
2017 Honda Accord $240 $446 $430 $1,274
2016 Honda Accord $226 $430 $442 $1,256
2015 Honda Accord $218 $400 $452 $1,228
2014 Honda Accord $208 $376 $456 $1,198
2013 Honda Accord $200 $338 $460 $1,156
2012 Honda Accord $188 $310 $460 $1,116
2011 Honda Accord $180 $292 $464 $1,094
2010 Honda Accord $176 $272 $474 $1,080
2009 Honda Accord $164 $252 $474 $1,048
2008 Honda Accord $158 $228 $478 $1,022
2007 Honda Accord $148 $210 $474 $990
2006 Honda Accord $140 $190 $474 $962
2005 Honda Accord $134 $170 $468 $930
2004 Honda Accord $132 $166 $460 $916
2003 Honda Accord $130 $160 $452 $900
2002 Honda Accord $120 $152 $446 $876
2001 Honda Accord $116 $144 $442 $860

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 Find Affordable Honda Accord Insurance

Finding cheaper rates on insurance for a Honda Accord consists of being a safe driver, having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Here is a brief review of the car insurance concepts covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,500 more per year for insurance
  • You may be able to save around $150 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles can save around $500 each year
  • Insureds who purchase more liability insurance will pay around $430 every year to raise from a 30/60 limit to 250/500 limits

So, are Honda Accords really expensive to insure? As you’ve learned from the previous information, many variables impact your Honda Accord insurance costs. Certain driver demographics, such as your age, your driving record, and where you live, can change your rates drastically. 

However, variables about your actual vehicle also come into play. For example, the age of your Honda Accord model and the trim level you choose will influence your annual rates. 

Older used Honda Accords will cost less to insure than newer models with more up-to-date technology and features. For example, the 2015 Honda Accord insurance costs are a bit lower than the 2016 Honda Accord insurance costs. 

Similarly, various trims can change the safety ratings, fuel efficiency, and maintenance costs for your vehicle, which impact your overall costs. Therefore, the Honda Accord Hybrid insurance costs will be different than the Honda Accord Turbo rates. 

No matter what model year or trim level you’ve chosen, comparing quotes from multiple companies is the best way to know you’re getting the lowest Honda Accord car insurance rates. Enter your ZIP code into our free tool below to start comparing cheap Honda Accord insurance quotes right now.

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What Honda Accord features help reduce insurance costs?

Honda offers an advanced safety suite that can help make your driving experience safer, preventing you from needing to file any insurance claims. Because your risks on the road are lowered, it could also help lead to lower car insurance rates. 

Standard in all Honda Accord models, the Honda Sensing technology suite helps mitigate accidents and keeps the driver more aware of what is happening on the road around them.

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 of changes in speed.

The Honda Sensing suite does a fantastic job of helping reduce accidents and as a result, fewer accidents mean 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.

Many insurance companies also offer discounts to customers whose vehicles have some of these safety features, like adaptive cruise control. Inform your insurance provider about what technology your vehicle comes equipped with to see what discounts your Accord qualifies for.  

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 monitoring 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.

What are the Honda Accord safety ratings?

Insurance providers will consider the Honda Accord safety ratings when determining your car insurance rates. 

Check out the safety ratings for the 2021 Honda Accord as awarded by the Insurance Institute for Highway Safety (IIHS) below. 

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger): Good 
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

A rating of ‘Good’ is the highest possible score given by the IIHS. As you can see, this sedan received perfect marks. In fact, the 2020 and 2021 Honda Accord was named as one of the 2020 Top Safety Picks. Your car insurance rates will already reflect these great safety ratings. 

Historically, different model years of the Honda Accord have performed consistently well in safety tests. The 2018 Honda Accord also received the 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 only 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 ratings mean you won’t find a safer car for the money.

What are the Honda Accord crash test ratings?

Like safety ratings, insurance providers will also consider the Honda Accord crash test ratings when calculating your car insurance premiums. Customarily, good crash test ratings mean cheaper average rates. 

Take a look at the table below to see the Honda Accord crash test results for various different model years and trim levels as scored by the National Highway Traffic Safety Administration (NHTSA).

Honda Accord Crash Test Ratings
Vehicle Tested Overall Rating Frontal Crash Side Crash Rollover
2021 Honda ACCORD HYBRID 4 DR FWD5 stars5 stars5 stars5 stars
2021 Honda ACCORD SEDAN 4 DR FWD5 stars5 stars5 stars5 stars
2020 Honda ACCORD 4 DR FWD5 stars5 stars5 stars5 stars
2020 Honda ACCORD HYBRID 4 DR FWD5 stars5 stars5 stars5 stars
2019 Honda ACCORD 4 DR FWD5 stars5 stars5 stars5 stars
2018 Honda Accord Hybrid 4 DR FWD5 stars5 stars5 stars5 stars
2017 Honda Accord Hybrid 4 DR FWD5 stars4 stars5 stars5 stars
2017 Honda Accord 4 DR FWD5 stars4 stars5 stars5 stars
2017 Honda Accord 2 DR FWD5 stars5 stars5 stars5 stars
2016 Honda Accord 4 DR FWD5 stars4 stars5 stars5 stars
2015 Honda Accord 4 DR FWD5 stars4 stars5 stars5 stars
2015 Honda Accord 2 DR FWD5 stars5 stars5 stars5 stars
2015 Honda Accord Hybrid 4 DR FWD5 stars4 stars5 stars5 stars
2014 Honda Accord Hybrid 4 DR FWD5 stars4 stars5 stars5 stars
2014 Honda Accord 4 DR FWD5 stars4 stars5 stars5 stars
2014 Honda Accord 2 DR FWD5 stars5 stars5 stars5 stars
2013 Honda Accord 2 DR FWD5 stars5 stars5 stars5 stars
2013 Honda Accord 4 DR FWD5 stars4 stars5 stars5 stars
2013 Honda Accord 2 DR FWD5 stars5 stars5 stars5 stars
2012 Honda Accord V6 4 DR FWD5 stars5 stars5 stars5 stars
2012 Honda Accord 4 DR FWD5 stars5 stars5 stars5 stars
2012 Honda Accord 2 DR FWDN/RN/RN/R5 stars
2012 Honda Accord V6 2 DR FWDN/RN/RN/R5 stars
2011 Honda Accord Sedan 4 DR FWD5 stars5 stars5 stars5 stars
2011 Honda Accord 2 DR FWDN/RN/RN/R5 stars
2011 Honda Accord Crosstour SUV AWDN/RN/RN/R4 stars
2011 Honda Accord Crosstour SUV FWDN/RN/RN/R4 stars
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None of the Honda Accord builds earned less than 4-star ratings, which is excellent. However, it is still worth looking at the details for your specific Honda Accord model year and trim level when estimating your potential insurance costs to ensure the most accuracy. 

If you’re in the market for a new car and are considering the Honda Accord, you won’t be disappointed with its safety and reliability. Plus, you can expect to pay cheaper car insurance rates. 

If you currently own and drive an Accord, your car insurance rates will already reflect these great crash-test results.

What is the Honda Accord insurance loss probability?

When you’re buying a new vehicle, it’s important to add car insurance rates to the overall total you’re willing to spend. But how do you know how much a car will cost to insure before you actually seek out quotes? 

One easy way is to look at insurance loss probability details. Insurance loss probabilities give us important information about what insurance costs will be. High insurance loss probabilities equal high rates, while low insurance loss probabilities equal low rates.

Check out the Honda Accord insurance loss probability details as calculated by the Insurance Institute for Highway Safety (IIHS) in the table below.

Honda Accord Insurance Loss Probability
Insurance Coverage Category Loss Rate
Collision 4%
Property Damage -40%
Comprehensive51%
Personal Injury 29%
Medical Payment 9%
Bodily Injury -32%
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The insurance losses for comprehensive coverage and personal injury coverage are high, which means these coverages will likely be more expensive than average. 

However, the property damage insurance losses are substantially better than average, which means property damage liability insurance for the Honda Accord will be more affordable. But the personal injury coverage, which has a worse than average loss ratio, will not be as competitively priced.

Should you compare the Honda Accord to other vehicles in the same car class?

Before taking the plunge and purchasing a Honda Accord, or any car for that matter, it is worth comparing the vehicle to other cars in the same class. Officially, the IIHS classifies the Accord as a midsize four-door car. 

Check out other comparable midsize sedans in the list below and see how the car insurance rates vary.

Comparing the Honda Accord to similar vehicles can help you save money on car insurance, especially if the Honda Accord has better insurance loss ratios than other vehicles in the same class.

By comparing vehicles this way, you’ll be able to estimate which car is within your budget, meets your personal needs, and will not cost you an arm and a leg to insure.  

What is the Honda Accord cost to own? The 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 in 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. Fortunately, the overall economical Honda prices will help keep your insurance rates low. 

You are now an expert on securing affordable Honda Accord insurance rates. If you are on the hunt 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.

Before you buy Honda Accord car insurance, make sure to shop around. We can help you find cheap Honda Accord car insurance quotes from multiple companies near you.

Find your cost to insure a Honda Accord right now by entering your ZIP code into our FREE quote tool.

References:

  1. https://www.iihs.org/ratings/vehicle/Honda/accord-4-door-sedan/2021
  2. https://www.nhtsa.gov/vehicle/2021/HONDA/ACCORD%2520SEDAN/4%2520DR/FWD
  3. https://www.iihs.org/ratings/insurance-losses-by-make-and-model

Rates by Driver Age

Honda Accord Insurance Rates by Driver Age
Driver Age Premium
16 $4,876
20 $2,994
30 $1,348
40 $1,298
50 $1,186
60 $1,162

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,626
$250 $1,472
$500 $1,298
$1,000 $1,128

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,298
50/100 $1,614
100/300 $1,724
250/500 $2,010
100 CSL $1,658
300 CSL $1,900
500 CSL $2,076

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord Insurance Rates for High Risk Drivers
Age Premium
16 $6,944
20 $4,762
30 $2,858
40 $2,802
50 $2,674
60 $2,650

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 $179

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 $754

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

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