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Honda Accord Car Insurance

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Key takeaways

  • Insurance for a Honda Accord will cost on average $1600 annually, or $123 per month.
  • The Honda Accord Hybrid andHybrid EX-L are the cheapest trim levels to insure, costing roughly $1470/year and $1518/year respectively.
  • The Touring trim level is the costliest to insure, with the annual premium being $1764/year.
  • Allied Insurance offers the cheapest coverage for the Honda Accord, with minimum insurance premiums starting at $904/year.

Honda Accord auto insurance cost

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.

Are Honda Accords expensive to insure?

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.

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What impacts the cost of Honda Accord auto insurance?

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:

  • The driver's age
  • The driver's gender
  • The city you are driving in
  • The age of the car
  • Trim level of the car
  • The insurance company you choose

Age of the driver

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.

Age of Driver Average Annual Rate
Age 20 $3194
Age 30 $1690
Age 40 $1560
Age 50 $1462
Age 60 $1436

Model year / age of the car

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 level

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

City you are located in

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

How much is Honda Accord insurance for recent models?

The average auto insurance premium for a 30-year-old driver with a recent Honda Accord model is as follows:

  • A 2022 Honda Accord will cost roughly $1864 per year to insure.
  • A 2021 Honda Accord will cost $1775 per year to insure.
  • A 2020 Honda Accord insurance premium costs on average $1742 per year.

Honda Accord crash test ratings

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

Honda Accord safety features

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:

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

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Honda Accord safety ratings

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

Ways to save on Honda Accord car insurance

  • Be a safe driver: If you are a rash driver, chances are you may end up with many at-fault accidents. However, this could go on your record and may increase your premiums. Driving safely to reduce risk and get lower rates.
  • Improve your credit score before applying: A great credit score can help you get the lowest premiums in the market because you come across as an applicant with less ris. Aim for a score above 700.
  • Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Honda Accord. Unpaid parking tickets, running red lights, speeding, reckless driving can all signal to your insurance company that you are a risky applicant.
  • Ask for relevant discounts: Insurance companies offer several kinds of discounts you can avail such as loyalty discounts, bundling discounts, senior citizen discounts, military veteran discounts, and more. Ask for relevant offers to lower your premium further.

How do I find the best Honda Accord car insurance rates?

  • Don't pick the first insurance provider you get - always shop around with several other providers and get free quotes.
  • Compare as many free quotes as you can to see which policies offer the best deals for the best rates
  • Different providers use different methodologies for calculating premiums - so don't worry if you get a high rate with one provider. There's always a lower rate offered by someone else.
  • Don't skimp on the important stuff - ensure you get full protection for your Honda Accord.

How to get Honda Accord auto insurance with Way.com

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!

Auto Insurance Data Methodology

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

Frequently Asked Questions (FAQ)

Are Honda Accords expensive to insure?

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.

How much does it cost to insure a Honda Accord?

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.

Is a Honda Accord cheap to insure?

Yes, a Honda Accord is very affordable to insure, starting at $155/month for the 2022 model.

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Learn more by city and state for car insurance




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