Honda Accord Insurance Cost [Comprehensive Guide]

The cost of Honda Accord car insurance rates are $1,310 a year, or around $109 a month on average. Shop around to find cheap Honda Accord insurance rates. On average, Honda Accord comprehensive insurance coverage costs $319, collision coverage costs $466, and liability coverage costs $370.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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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

Is shopping for Honda Accord insurance rates stressing you out? It doesn’t have to. Honda Accord insurance costs around $209 less per year than the average vehicle. Learn what you can do to save on Honda Accord insurance rates in our comprehensive guide.

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

Honda Accord Insurance Cost

The average Honda Accord car insurance rates 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 Volkswagen Passat, Subaru Impreza, and Audi S3.

Vehicle Comprehensive Collision Liability Total
Honda Accord $280 $500 $372 $1,310
Volkswagen Passat $332 $600 $390 $1,480
Subaru Impreza $320 $542 $390 $1,410
Audi S3 $356 $744 $264 $1,474
Chevrolet Sonic $270 $536 $398 $1,362
Mazda 3 $308 $562 $372 $1,400
Nissan Versa $268 $542 $390 $1,358
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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 insurance coverage.

Age of the Vehicle

Older Honda Accord models generally cost less to insure. For example, car insurance for a 2020 Honda Accord costs $1,310, while 2010 Honda Accord insurance costs 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 impact on Honda Accord auto insurance rates. For example, 20-year-old drivers pay approximately $1,602 more each year for their Honda Accord auto insurance than 30-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 rates with violations on their driving record.

Honda Accord Safety Ratings

Your Honda Accord car insurance rates are influenced by 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

Poor Honda Accord crash test ratings could mean higher Honda Accord car insurance rates.

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 numerous safety features of the Honda Accord help contribute to lower insurance rates. The 2020 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 car insurance costs; higher percentages mean higher Honda Accord car insurance costs. Compare the following Honda Accord auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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, most lenders will require your carry higher Honda Accord coverages including comprehensive coverage, so be sure to compare Honda Accord car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Honda Accord Insurance

You have more options at your disposal to save money on your Honda Accord auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Honda Accord car insurance rates

  • Add a More Experienced Driver to Your Honda Accord Policy
  • Provide Your Honda Accord VIN When Requesting Honda Accord Auto Insurance Quotes
  • Pay Your Bills On Time — Especially Honda Accord Payments and Insurance
  • Ask for a Honda Accord Discount If You Have College Degree or Higher
  • Buy a Honda Accord with an Anti-Theft Device

Top Honda Accord Insurance Companies

Who is the top 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.

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
4
3
4
4
2014
4
3
4
4
2013
5
5
5
5
2012
3
3
3
3
2011
1
1
1
1

Crash Avoidence Features

Forward Collision Warning

Optional

Forward Collision Auto Brake

Not Available

Lane Departure Warning

Optional

Land Departure Prevention

Not Available

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