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Online Honda Accord Insurance Rates [Guide + Free Quotes]

Key takeaways:

  • Full coverage costs around $1,310 a year or $109 each month
  • A liability-only policy costs around $525 a year or $44 each month
  • Highest rates are for teenage drivers at around $4,788 a year or $399 each month
  • Good drivers can save as much as $540 a year by earning policy discounts
  • Honda Accord insurance costs around $209 less per year than the average vehicle

Honda Accord insurance rates are $209 cheaper than the average vehicle. You can spend as low as $44 per month on Honda Accord insurance rates. Continue reading to learn how you can save $540 on Honda Accord insurance rates.

You can start comparing quotes for Honda Accord auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Table of Contents

Honda Accord Insurance Cost

The average Honda Accord auto insurance costs are $1,310 a year or $109 a month.

Are Honda Accords Expensive to Insure?

The chart below details how Honda Accord insurance rates compare to other sedans like the Toyota Camry, Hyundai Sonata, and Ford Focus.

Vehicle Comprehensive Collision Liability Total
Honda Accord $280 $500 $372 $1,310
Toyota Camry $294 $570 $390 $1,412
Hyundai Sonata $294 $532 $420 $1,426
Ford Focus $244 $536 $398 $1,336
Chevrolet Blazer $376 $688 $316 $1,516
Toyota Avalon $320 $536 $338 $1,330
Mazda 3 $308 $562 $372 $1,400
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda Accord Insurance?

The Honda Accord trim and model you choose can impact the total price you will pay for Honda Accord auto insurance coverage.

Age of the Vehicle

The average Honda Accord auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Honda Accord are $1,310, while the 2010 Honda Accord rates are $1,094, a difference of $216.

Model Year Comprehensive Collision Liability Total
2020 Honda Accord $280 $500 $372 $1,310
2019 Honda Accord $268 $482 $390 $1,298
2018 Honda Accord $256 $478 $398 $1,290
2017 Honda Accord $248 $466 $416 $1,288
2016 Honda Accord $240 $446 $430 $1,274
2015 Honda Accord $226 $430 $442 $1,256
2014 Honda Accord $218 $400 $452 $1,228
2013 Honda Accord $208 $376 $456 $1,198
2012 Honda Accord $200 $338 $460 $1,156
2011 Honda Accord $188 $310 $460 $1,116
2010 Honda Accord $180 $292 $464 $1,094
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Driver Age

Driver age can have a significant effect on the cost of Honda Accord auto insurance. For example, 30-year-old drivers pay approximately $58 more for their Honda Accord auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Honda Accord insurance rates. For example, drivers in Houston may pay $966 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on the cost of Honda Accord auto insurance. Teens and drivers in their 20’s see the highest jump in their Honda Accord auto insurance with violations on their driving record.

Honda Accord Safety Ratings

Your Honda Accord auto insurance rates are tied to the safety ratings of the Honda Accord. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Honda Accord Crash Test Ratings

Honda Accord crash test ratings can impact the cost of your Honda Accord auto insurance. See Honda Accord crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2018 Honda Accord Hybrid 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2018 Honda Accord 4 DR FWD 5 stars 5 stars 5 stars 5 stars
2017 Honda Accord Hybrid 4 DR FWD 5 stars 4 stars 5 stars 5 stars
2017 Honda Accord 4 DR FWD 5 stars 4 stars 5 stars 5 stars
2017 Honda Accord 2 DR FWD 5 stars 5 stars 5 stars 5 stars
2016 Honda Accord 4 DR FWD 5 stars 4 stars 5 stars 5 stars
2016 Honda Accord 2 DR FWD 5 stars 5 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda Accord Safety Features

The safety features of the Honda Accord can impact your Honda Accord auto insurance rates. The Honda Accord has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Lane Departure Warning
  • Lane Keeping Assist

Honda Accord Insurance Loss Probability

The lower percentage means lower Honda Accord auto insurance rates; higher percentages mean higher Honda Accord auto insurance rates. The Honda Accord’s insurance loss probability varies for each form of coverage.

Insurance Coverage Category Loss Rate
Collision -9%
Property Damage -15%
Comprehensive -10%
Personal Injury 22%
Medical Payment 17%
Bodily Injury -6%
Source: Insurance Institute for Highway Safety
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Honda Accord Finance and Insurance Cost

If you are financing a Honda Accord, you will pay more if you purchase Honda Accord auto insurance at the dealership, so be sure to shop around and compare Honda Accord auto insurance quotes from the best companies using our FREE tool below.

5 Ways to Save on Honda Accord Insurance

Save more on your Honda Accord auto insurance rates. Take a look at the following five strategies that will get you the best Honda Accord auto insurance rates possible.

  • Move to an Area with a Lower Cost of Living
  • Remove Young Drivers from Your Honda Accord Auto Insurance Plan
  • Check Reviews and State Complaints Before You Choose an Insurer
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
  • Ask for a New Honda Accord Auto Insurance Rate Based on Your Improved Credit Score

Top Honda Accord Insurance Companies

Who is the best auto insurance company for Honda Accord insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Honda Accord auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Honda Accord offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Honda Accord Insurance Quotes Online

You can start comparing quotes for Honda Accord auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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