Best Honda Accord Auto Insurance (2024)
Honda Accord insurance rates cost $109 per month ($1,310 per year). On average, Honda Accord comprehensive insurance coverage costs $319, collision coverage costs $466, and liability coverage costs $370.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jul 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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.
Honda Accord Insurance Cost
The average Honda Accord auto insurance costs are $1,310 a year or $109 a month.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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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 | |||
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.
Frequently Asked Questions
How much does Honda Accord auto insurance cost on average?
The average cost of Honda Accord auto insurance is $1,310 per year or $109 per month. This includes comprehensive coverage costing around $319, collision coverage costing $466, and liability coverage costing $370.
Are Honda Accords expensive to insure compared to other sedans?
Honda Accord insurance rates are generally lower compared to other sedans such as the Toyota Camry, Hyundai Sonata, and Ford Focus. However, the specific cost of insurance can vary depending on factors like the trim and model of the Honda Accord.
What factors impact the cost of Honda Accord insurance?
Several factors can affect the cost of Honda Accord auto insurance. These include the age of the vehicle, driver age, driver location, and driving record. Newer models of the Honda Accord tend to have higher insurance rates, and younger drivers or those with a poor driving record may also face higher premiums.
What safety features does the Honda Accord have that can impact insurance rates?
The Honda Accord comes equipped with various safety features that can potentially lower insurance rates. These features may include anti-lock brakes, traction control, stability control, lane departure warning, forward collision warning, and adaptive cruise control. Insurance companies often consider these features when determining premiums.
How can I save money on Honda Accord insurance?
To save on Honda Accord auto insurance, consider the following strategies:
- Compare quotes from multiple insurance companies to find the best rates.
- Opt for a higher deductible, which can lower your premium.
- Take advantage of any available discounts, such as multi-policy discounts or safe driver discounts.
- Install anti-theft devices or safety features in your Honda Accord.
- Maintain a clean driving record and avoid traffic violations, as they can increase insurance costs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.