Key takeaways
True to its brand, the Honda Accord is one of the most dependable vehicles from the Honda stable. It is spacious, stylish, and is pretty affordable, with prices starting at $26,000. But can the same be said about Honda Accord auto insurance? Choosing the right insurance policy could save you thousands in the long run.
On average, Honda Accord insurance will cost $1600 per year, which is lower than the national average of $1635 per year. That's good news for all Accord owners, but there's still the issue of finding a good provider. Rather than applying to each insurance provider, it is much easier to compare free quotes from multiple providers!
Get a free quote for your Honda in just minutes and compare offers from top auto insurance companies easily using Way.com.
The Honda Accord is an affordable car to buy, with prices ranging from $26,000 to $38,000. It only makes sense that Honda Accord insurance is affordable too! But if you don't choose the right provider, you will be forced to pay more than necessary.
For starters, the average Honda Accord auto insurance premium across all US states amounts to roughly $1600/year, which is marginally lower than the average national premium for all vehicles in the country.
| Make/Model | Annual Rate |
|---|---|
| Subaru Legacy | $1492 |
| Honda Insight | $1494 |
| Kia K5 | $1510 |
| Toyota Camry | $1514 |
| Volkswagen Passat | $1518 |
| Mazda 6 | $1540 |
| Chevrolet Malibu | $1596 |
| Honda Accord | $1600 |
| Tesla Model 3 | $1614 |
| Volkswagen Arteon | $1672 |
| Honda Accord | $1718 |
| Hyundai Sonata | $1748 |
| Kia Stinger | $1810 |
Compared to other vehicles in its category, the Honda Accord has affordable insurance. It costs just $108 more to insure than the cheapest car in its category, the Subaru Legacy.
However, auto insurance can vary widely depending on the trim level you own, the https://www.way.com/blog/most-expensive-and-cheap-states-for-car-insurance/, city, and even neighborhood.
Insurance companies do a thorough check of your background, financial information, and other factors to gauge how much to charge you as a premium. Some of these variables include:
If you're an experienced driver with a clean driving history and not too many violations, insurance companies will charge you a low premium. That's because you have a demonstrated history of good driving. Teens and young adults don't have a driving record to check and hence are considered riskier applicants - they often have higher premiums.
Older Honda Accord models may not have as many features as newer ones, which reduces their overall cost. Older models are also less likely to be stolen compared to new models, may cost less to repair, and have a lower value overall. Hence, they cost lesser to insure.
A 2022 Honda Accord may cost nearly $200 more to insure per year than a 2018 Honda Accord.
| Model Year | Annual Rate | Monthly Rate |
|---|---|---|
| 2022 Honda Accord | $1864 | $155 |
| 2021 Honda Accord | $1775 | $148 |
| 2020 Honda Accord | $1742 | $145 |
| 2019 Honda Accord | $1705 | $142 |
| 2018 Honda Accord | $1659 | $138 |
Trim levels refer to additional features or equipment that make the car special. The Honda Accord comes in several trim levels, each of which may cost varying amounts to insure.
The Honda Accord Hybrid is the cheapest to insure at $1470/year, while the Touring trim level is the costliest at $1764/year.
| Honda Accord Trim Level | Annual Rate | Per Month |
|---|---|---|
| Hybrid | $1,470 | $123 |
| Hybrid EX-L | $1,518 | $127 |
| LX | $1,544 | $129 |
| Hybrid Sport | $1,558 | $132 |
| Hybrid Touring | $1,612 | $134 |
| Sport | $1,624 | $135 |
| EX-L | $1,672 | $139 |
| Sport Special Edition | $1,672 | $139 |
| Touring | $1,764 | $147 |
Auto insurance is generally costlier in big cities that have higher vehicle densities. It is also possible that some ZIP codes may have more thefts/burglaries, which means auto insurance premiums also increase.to
The highest Honda Accord insurance premiums are found in Los Angeles ($2252/year) and New York ($2082/year).
| City | Average Annual Rate |
|---|---|
| Los Angeles, CA | $2252 |
| New York, NY | $2082 |
| Houston, TX | $2065 |
| Jacksonville, FL | $1915 |
| Philadelphia, PA | $1767 |
| Chicago, IL | $1741 |
| Phoenix, AZ | $1532 |
| Seattle, WA | $1283 |
| Indianapolis, IN | $1125 |
| Columbus, OH | $1102 |
Insurance company
Based on the research done by the Way.com team, Allied Insurance offers the cheapest Honda Accord insurance deals averaged across all states, with a premium of $904/year.
| Company | Annual Rate |
|---|---|
| Allied | $904 |
| Nationwide | $1287 |
| Erie | $1441 |
| USAA | $1473 |
| Progressive | $1520 |
| Mercury | $1590 |
| American Family | $1615 |
| Auto Owners | $1670 |
The average auto insurance premium for a 30-year-old driver with a recent Honda Accord model is as follows:
| Vehicle Year | Overall Rating | Front Driver and Passenger | Side Driver and Passenger | Rollover |
|---|---|---|---|---|
| 2020 Honda Accord Hybrid | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Honda Accord Hybrid | 5 stars | 5 stars | 5 stars | 5 stars |
| 2018 Honda Accord Hybrid | 5 stars | 5 stars | 5 stars | 5 stars |
| 2017 Honda Accord Hybrid | 5 stars | 4 stars | 5 stars | 5 stars |
When you own a muscle car like the Honda Accord, it's important to be informed about all the safety features the car offers. Here are some of the features present in the Honda Accord:
| IIHS Safety Test Type | Safety Rating |
|---|---|
| Head restraints and seats | Good |
| Roof strength | Good |
| Side strength | Good |
| Moderate overlap front | Good |
| Small overlap front: passenger side | Good |
| Small overlap front: driver-side | Good |
Simply download the Way.com app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Honda Accord - all in as little as 45 seconds!
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
No, Honda Accords are very affordable to insure, with average premiums starting around $1600/year. This is marginally lower than the average country-wide auto insurance premium of $1635/year.
Honda Accord insurance will cost around $1600/year to insure. This is only an average across all states - it may be costlier in some states and cities and cheaper in others. The highest rates for Honda Accord insurance are in Los Angeles and New York, clocking above $2000/year.
Yes, a Honda Accord is very affordable to insure, starting at $155/month for the 2022 model.
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