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Best Honda Accord Insurance Rates [Rates + Cheap Coverage Guide]

The cost of Honda Accord car insurance rates are $1,310 a year, or around $109 a month on average. Mature drivers with good driving records may find rates as low as $770 a year.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 24, 2020

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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

Honda Accord insurance rates are about $209 less per year than the average vehicle with full coverage costing around $1,310 a year or $109 a month. Teen drivers have the highest rates at around $4,788 a year or $399 a month as they’re considered to be high-risk drivers.

Good drivers can save up to $540 a year in policy discounts. Let’s look at Honda Accord insurance rates, crash test ratings, and more.

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 auto insurance rates for a Honda Accord cost $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 Infiniti Q50, Volkswagen Passat, and Subaru WRX.

Vehicle Comprehensive Collision Liability Total
Honda Accord $280 $500 $372 $1,310
Infiniti Q50 $344 $686 $398 $1,586
Volkswagen Passat $332 $600 $390 $1,480
Subaru WRX $320 $566 $338 $1,360
Lincoln MKZ $320 $686 $450 $1,636
Audi S4 $370 $744 $338 $1,588
Chrysler 300 $332 $626 $398 $1,514

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 car insurance coverage.

Age of the Vehicle

Older Honda Accord models generally cost less to insure. For example, auto 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

Driver Age

Driver age can have a significant effect on the cost of Honda Accord car insurance. For example, 30-year-old drivers pay approximately $58 more for their Honda Accord car 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 Los Angeles may pay $485 a year more than drivers in Philadelphia.

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 car insurance with violations on their driving record.

Honda Accord Safety Ratings

Your Honda Accord car 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

Good Honda Accord crash test ratings mean the VW is safer, which could mean cheaper 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

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

Review the Honda Accord car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Honda Accord auto insurance costs; higher percentages mean higher Honda Accord auto insurance costs.

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

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Honda Accord Insurance

If you want to reduce the cost of your Honda Accord insurance rates, follow these tips below:

  • Buy An Older Honda Accord
  • Ask About Loyalty Discounts
  • Check Your Honda Accord Policy Carefully to Ensure All Information is Correct
  • Bundle Your Honda Accord Auto Insurance with Home Insurance
  • Ask for a Honda Accord Discount If You Have College Degree or Higher

Top Honda Accord Insurance Companies

Who is the top car 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 insurance from some of the top car insurance companies by using our free online tool today.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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