How much does Honda Accord insurance cost?
On average, Honda insurance is $108 per month, but your Honda Accord insurance rates may vary. Several factors determine whether affordable Honda Accord auto insurance quotes are available to you.
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UPDATED: Jun 28, 2022
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You could pay as little as $108 a month for Honda Accord car insurance
- Honda Accord car insurance rates are usually $234/month for high-risk drivers
- Young drivers may pay $579 per month for Honda Accord insurance rates
Do you want to buy Honda Accord auto insurance? On average, Honda Accord car insurance rates are less than $130 per month, but your rates may vary.
So how can you get cheap Honda Accord car insurance quotes? Don’t worry — we’ll explain how to get affordable Honda Accord auto insurance and a lot more below.
Read our guide to learn about the average Honda Accord auto insurance cost, how various factors affect Honda Accord auto insurance rates, and why crash ratings impact Honda Accord auto insurance quotes.
Once you learn everything about Honda Accord car insurance, enter your ZIP code in the free comparison tool above to compare multiple insurance companies in your area.
How much does Honda Accord car insurance cost?
Honda Accord auto insurance rates are $108 per month on average. However, various factors determine whether affordable Honda Accord car insurance is available to you.
According to the National Association of Insurance Commissioners (NAIC), the national average cost for full coverage auto insurance is $90 a month.
But the average cost of insurance for a Honda Accord is $18 more. That’s because there are multiple factors that determine auto insurance costs.
Here are a few factors that affect Honda Accord insurance rates:
- Driver’s age
- Coverage level
- Deductible
- Vehicle model and trim
- Vehicle model year
- Driver’s location
Each characteristic has a different effect on Honda Accord auto insurance. Also, the Honda Accord price tag is a determining factor.
How much is Honda Accord auto insurance compared to the national average?
Before we show you how different factors affect Honda Accord auto insurance, let’s look at how Honda Accord auto insurance rates compare to the national averages.
| Coverages | NAIC Monthly Rates | Honda Accord Monthly Rates |
|---|---|---|
| Liability | $48 | $33 |
| Collision | $29 | $40 |
| Comprehensive | $13 | $22 |
| Full Coverage | $90 | $108 |
You’ll notice that the cost of liability insurance for the Honda Accord is cheaper than the national average, but collision, comprehensive, and full coverage are more expensive.
How does age affect Honda Accord insurance rates?
Age is one of the most impactful factors when determining Honda Accord auto insurance rates.
Here’s the cost of Honda Accord auto insurance rates based on age.
| Driver Age | Monthly Rates | Monthly Rates for High-Risk Drivers |
|---|---|---|
| 16 | $406 | $579 |
| 20 | $250 | $397 |
| 30 | $112 | $238 |
| 40 | $108 | $234 |
| 50 | $99 | $223 |
| 60 | $97 | $221 |
Teens and young adults have a higher risk of filing claims. Meanwhile, drivers 30 and older have a much lower risk.
However, any driver who has several traffic infractions or accidents will see an increase in their Honda Accord car insurance rates.
Does coverage level affect insurance on Honda Accord?
The short answer is yes. The minimum auto insurance requirements generate the most affordable rates, but you’ll risk not having enough coverage.
We recommend that you purchase a higher coverage level. But how much are Honda Accord prices when you raise the coverage level?
Let’s explore the monthly Honda Accord insurance rates based on coverage level.
| Coverage Levels | Monthly Rates |
|---|---|
| Low (30/60/30) | $108 |
| Medium-Low (50/100/50) | $135 |
| Medium-High (100/300/100) | $144 |
| High (250/500/250) | $168 |
The abbreviated coverage amounts are bodily injury (BI) liability and property damage (PD) liability.
For example, the 30/60/30 coverage level means $30,000 of BI for one person per accident, $60,000 of BI for multiple people per accident, and $30,000 of PD per accident.
The higher the coverage level, the more you’ll pay for Honda Accord car insurance.
Can deductibles affect Honda Accord auto insurance?
Yes, they can. Deductibles are what you pay before an insurance company completes an auto insurance claim.
But how do deductibles affect Honda Accord auto insurance? Let’s see how it works.
| Deductibles | Monthly Rates |
|---|---|
| $100 | $136 |
| $250 | $123 |
| $500 | $108 |
| $1,000 | $94 |
Higher deductibles help you access cheaper Honda Accord car insurance rates, while low deductibles can drive up car insurance rates.
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How do the vehicle trim level and model year affect Honda Accord car insurance?
The Honda Accord Sport, Honda Accord Hybrid, and Honda Accord Coupe produce different auto insurance rates. Each Honda Accord design, model, and trim level has unique features.
Various features equipped to specific Honda Accords determine Honda Accord prices and car insurance rates.
How much is Honda Accord car insurance based on trim level?
Honda Accord trim levels produce differing auto insurance rates. Let’s look at the average monthly Honda Accord insurance rates based on trim.
| Model and Trim | Monthly Rates |
|---|---|
| Honda Accord LX 4-Dr Sedan | $92 |
| Honda Accord EX 4-Dr Sedan | $95 |
| Honda Accord LX-P 4-Dr Sedan | $95 |
| Honda Accord EX 2-Dr Coupe | $120 |
| Honda Accord EX-L 4-Dr Sedan | $103 |
| Honda Accord LX-S 2-Dr Coupe | $120 |
| Honda Accord Hybrid | $125 |
| Honda Accord EX-L 2-Dr Coupe | $127 |
| Honda Accord Sport | $130 |
Honda Accord sedans have the cheapest auto insurance rates. But, Honda Accord Sport is more expensive because of the upgrades in specific features, such as speakers and interior design.
How much is Honda Accord car insurance based on model year?
Honda Accord auto insurance quotes vary based on model year, too. The latest model year vehicles are typically more expensive to insure. But what about older Honda Accord model years?
Here’s an example of how Honda Accord car insurance rates change by model year.
| Honda Accord Model Years | Monthly Comprehensive Rates | Monthly Collision Rates | Monthly Liability Rates | Full Coverage Rates |
|---|---|---|---|---|
| 2020 Honda Accord Hybrid | $29 | $58 | $28 | $125 |
| 2019 Honda Accord Hybrid | $28 | $57 | $28 | $124 |
| 2018 Honda Accord Hybrid | $27 | $56 | $30 | $123 |
| 2017 Honda Accord Hybrid | $26 | $53 | $30 | $121 |
| 2016 Honda Accord Hybrid | $24 | $52 | $31 | $119 |
The older Honda Accords are usually more affordable, while the latest Honda Accord will cost quite a bit more.
For example, insurance for the 2020 Honda Accord is $108 a month, but the 2021 Honda Accord may cost $10 to $30 more because of the model year and value.
The manufacturer’s suggested retail price (MSRP) also affects monthly auto insurance rates. The latest Honda Accord cars have higher values and more expensive rates.
How much is Honda Accord car insurance in different states?
The state where you live also affects Honda Accord car insurance quotes.
Here’s a list of sample rates by state.
| States | Monthly Rates | Compared to U.S. Average | Percent Difference |
|---|---|---|---|
| Alabama | $98 | -$11 | -9.70% |
| Alaska | $83 | -$25 | -23.40% |
| Arizona | $90 | -$18 | -16.90% |
| Arkansas | $108 | $0 | 0.00% |
| California | $123 | $15 | 13.70% |
| Colorado | $103 | -$5 | -4.50% |
| Connecticut | $111 | $3 | 2.60% |
| Delaware | $122 | $14 | 13.10% |
| Florida | $135 | $27 | 25.10% |
| Georgia | $100 | -$8 | -7.70% |
| Hawaii | $78 | -$31 | -28.20% |
| Idaho | $73 | -$35 | -32.40% |
| Illinois | $81 | -$28 | -25.60% |
| Indiana | $81 | -$27 | -24.80% |
| Iowa | $73 | -$35 | -32.70% |
| Kansas | $103 | -$6 | -5.10% |
| Kentucky | $147 | $39 | 36.20% |
| Louisiana | $160 | $52 | 47.90% |
| Maine | $67 | -$42 | -38.50% |
| Maryland | $89 | -$19 | -17.70% |
| Massachusetts | $87 | -$22 | -20.00% |
| Michigan | $188 | $80 | 73.70% |
| Minnesota | $90 | -$18 | -16.50% |
| Mississippi | $129 | $21 | 19.60% |
| Missouri | $96 | -$12 | -11.20% |
| Montana | $116 | $8 | 7.40% |
| Nebraska | $85 | -$23 | -21.10% |
| Nevada | $130 | $21 | 19.70% |
| New Hampshire | $78 | -$31 | -28.20% |
| New Jersey | $121 | $13 | 11.70% |
| New Mexico | $96 | -$13 | -11.60% |
| New York | $114 | $6 | 5.20% |
| North Carolina | $62 | -$46 | -42.50% |
| North Dakota | $89 | -$20 | -18.20% |
| Ohio | $75 | -$34 | -31.00% |
| Oklahoma | $111 | $3 | 2.60% |
| Oregon | $99 | -$9 | -8.50% |
| Pennsylvania | $103 | -$5 | -4.60% |
| Rhode Island | $144 | $36 | 33.30% |
| South Carolina | $98 | -$10 | -9.40% |
| South Dakota | $91 | -$17 | -15.70% |
| Tennessee | $95 | -$13 | -12.30% |
| Texas | $130 | $22 | 20.50% |
| Utah | $80 | -$28 | -26.00% |
| Vermont | $74 | -$34 | -31.70% |
| Virginia | $65 | -$44 | -40.20% |
| Washington | $84 | -$25 | -22.80% |
| West Virginia | $99 | -$9 | -8.30% |
| Wisconsin | $75 | -$33 | -30.80% |
| Industry Average | $108 | $0 | 0.00% |
Some states have monthly auto insurance rates that are much lower or much higher than the $108 average.
Use the search box to find your state and see the average rate for a Honda Accord.
What is the cheapest company for Honda Accord car insurance?
The company where you buy Honda Accord auto insurance also affects your monthly insurance rates.
Let’s examine the best insurance companies for Honda Accord car insurance.
| Cheapest Car Insurance Companies | Monthly Rates |
|---|---|
| Allied | $59 |
| Nationwide | $99 |
| Vermont Mutual | $105 |
| Erie | $112 |
| USAA | $114 |
| Tennessee Farmers | $116 |
| Geico | $118 |
| Progressive | $118 |
| Mercury | $124 |
| American Family | $125 |
| Auto-Owners | $126 |
| Country | $131 |
Allied, Nationwide, and Vermont Mutual are the cheapest for Honda Accords. Auto-Owners and Country have more expensive Honda Accord auto insurance rates.
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How do you save money on Honda Accord car insurance?
The key to saving money on Honda Accord auto insurance rates is finding the right discounts.
If you have good credit and a clean driving record, you can save at least 30% on Honda Accord car insurance.
You can find more affordable Honda Accord car insurance rates when you stack multiple deals.
Here’s a list of discounts that will lower your Honda Accord insurance rates.
- Safety features discount
- Good credit discount
- Safe driver discount
- Multiple policy discount
- Multi-driver discount
- Pay-in-full discount
Each company has different auto insurance deals. You can save hundreds of dollars per year with companies that will award you multiple discounts.
Can federal safety ratings impact Honda Accord car insurance?
The answer is yes. Safety ratings show you how safe a car can be if you get into an accident.
So what are the ratings for the Honda Accord? Let’s look at the Honda Accord’s latest National Highway Traffic Safety Administration (NHTSA) ratings.
- Overall Rating – ★★★★★
- Front Crash – ★★★★★
- Side Crash – ★★★★★
- Rollover – ★★★★★
The Honda Accord is a medium-sized sedan or coupe, and it has a perfect rating from the NHTSA.
Honda Accord Car Insurance: The Bottom Line
Honda Accord auto insurance is about $18 more expensive than the industry average. However, you can secure affordable Honda Accord car insurance rates.
To get the cheapest Honda Accord auto insurance rates, you’ll need to qualify for auto insurance discounts.
Now that you know more about Honda Accord car insurance, use our free online quote tool to shop around at the best insurance companies in your area.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
|
Written by
Chris Tepedino |
|
Reviewed by
Laura Walker
|