Best Honda Accord Car Insurance Quotes (2024)
Honda Accord insurance rates are $1,310 a year, or around $109 a month on average. A liability-only policy costs around $525 a year or $44 each month. Good drivers can save up to $540 a year on these costs by earning policy discounts.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Aug 26, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Aug 26, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
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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 average 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 auto insurance premiums, 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 costs $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 prices 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.
Read more: Best Subaru Car Insurance Quotes
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. An auto insurance company will consider teen drivers to be a very high risk category. At fault accidents will also play a role in determining your annual premium.
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.
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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.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Frequently Asked Questions
What is the average cost of Honda Accord insurance?
The average cost of Honda Accord insurance is around $1,310 per year or $109 per month.
Can I get a liability-only policy for my Honda Accord?
Yes, a liability-only policy for a Honda Accord costs around $525 per year or $44 per month.
How much can good drivers save on Honda Accord insurance?
Good drivers can save up to $540 per year on Honda Accord insurance costs through policy discounts.
What factors impact the cost of Honda Accord insurance?
Several factors can impact the cost of Honda Accord insurance, including:
- Age of the vehicle: Older models tend to have lower insurance costs.
- Driver age: Younger drivers may have higher insurance rates.
- Driver location: Insurance rates can vary based on where you live.
- Your driving record: A clean driving record usually results in lower insurance premiums.
How do Honda Accord insurance rates compare to other sedans?
Here is a comparison of Honda Accord insurance prices with other sedans:
- Honda Accord: Comprehensive: $280, Collision: $500, Liability: $372, Total: $1,310
- Infiniti Q50: Comprehensive: $344, Collision: $686, Liability: $398, Total: $1,586
- Volkswagen Passat: Comprehensive: $332, Collision: $600, Liability: $390, Total: $1,480
- Subaru WRX: Comprehensive: $320, Collision: $566, Liability: $338, Total: $1,360
What are some ways to save on Honda Accord insurance?
Here are some tips to save on Honda Accord insurance:
- Consider buying an older Honda Accord model.
- Inquire about loyalty discounts with your insurance provider.
- Double-check your policy for accurate information.
- Bundle your Honda Accord auto insurance with home insurance.
- Ask for a discount if you have a college degree or higher.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.