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Honda Accord Car Insurance: Your Complete Guide to Coverage, Costs, and Savings
The Honda Accord has been one of America’s favorite sedans for decades. It is reliable, fuel efficient, and holds its value well. But if you own one or plan to buy one, you need to understand what goes into insuring it.
Honda Accord car insurance costs depend on several factors, including your model year, where you live, your driving record, and the coverage you choose. On average, full coverage for a Honda Accord runs about $2,342 per year nationwide, which is roughly $321 less than the average for all vehicles. That makes the Accord one of the more affordable midsize sedans to insure.
This guide breaks down everything you need to know about insuring your Honda Accord. You will find real cost data, coverage recommendations, money saving tips, and answers to the most common questions Accord owners ask.
How Much Does Honda Accord Car Insurance Cost?
The cost of insuring a Honda Accord varies widely based on your specific situation. However, national averages give you a solid starting point for budgeting.
A typical Honda Accord owner pays around $159 per month for car insurance. If you only carry the minimum coverage your state requires, that drops to roughly $85 per month. Full coverage, which includes collision and comprehensive on top of liability, averages about $165 to $208 per month depending on the source and your profile.
Here is a snapshot of average Honda Accord insurance costs:
| Coverage Type | Average Monthly Cost | Estimated Annual Cost |
|---|---|---|
| Minimum Liability Only | $85 | $1,020 |
| Full Coverage (Average) | $159 to $208 | $1,908 to $2,496 |
| Full Coverage (Specific Benchmark) | $195 | $2,342 |
| National Average (All Vehicles) | $222 | $2,663 |
Sources: Insure.com, Compare.com, MoneyGeek (2025/2026 data). Rates based on a 40-year-old driver with a clean record and 100/300/100 coverage limits.
These numbers reflect national averages. Your actual rate could be higher or lower depending on your age, ZIP code, credit score (in most states), and the specific model year of your Accord.
Honda Accord Insurance Costs by Model Year
The model year of your Accord plays a big role in your insurance rate. Newer Accords cost more to insure because they have a higher replacement value. Older models are generally cheaper to cover, though very old models (pre-2000) can sometimes see higher rates because they lack modern safety features.
| Model Year | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| 2025/2026 Accord | $208 to $258 | $2,500 to $2,767 |
| 2022 to 2024 Accord | $150 to $200 | $1,800 to $2,400 |
| 2018 to 2021 Accord | $120 to $165 | $1,440 to $1,980 |
| 2015 to 2017 Accord | $100 to $140 | $1,200 to $1,680 |
| 2010 to 2014 Accord | $70 to $110 | $840 to $1,320 |
Note: Ranges reflect variations by trim level, insurer, and driver profile. Actual quotes may differ.
If you drive an older Accord and it is paid off, you might save money by dropping collision and comprehensive coverage. However, think carefully before doing this. If your car was totaled in an accident, you would need to replace it out of pocket.
Honda Accord Insurance Rates by State
Where you live is one of the biggest factors in your car insurance rate. State insurance regulations, traffic density, weather patterns, crime rates, and even the number of uninsured drivers in your area all play a role.
Honda Accord insurance costs vary dramatically from state to state. For minimum coverage, rates can range from about $31 per month in Wyoming to $170 per month in Louisiana. Here are some examples across the country:
| State | Avg. Monthly (Min.) | Avg. Monthly (Full) |
|---|---|---|
| California | $65 | $210 |
| Texas | $72 | $195 |
| Florida | $95 | $230 |
| New York | $80 | $220 |
| Ohio | $35 | $130 |
| Louisiana | $170 | $310 |
| Wyoming | $31 | $110 |
| Michigan | $130 | $280 |
Rates are approximate and vary by insurer, coverage level, and driver profile.
States like Michigan, Louisiana, and Florida tend to have the highest premiums due to no-fault insurance laws, high litigation rates, or frequent severe weather. States like Wyoming, Ohio, and Maine generally offer lower rates.
How Your Age Affects Honda Accord Insurance Rates
Age is another major pricing factor. Younger drivers, especially those under 25, face significantly higher premiums because they are statistically more likely to be involved in accidents. Rates typically drop as you gain experience and reach your 30s and 40s.
For example, a teen driver insuring a Honda Accord can expect to pay around $8,585 per year. That is nearly four times what a middle aged driver with a clean record would pay. Here is a general breakdown:
| Age Group | Avg. Monthly Cost (Full Coverage) |
|---|---|
| 18 to 20 years old | $500 to $715 |
| 21 to 25 years old | $250 to $316 |
| 26 to 40 years old | $125 to $180 |
| 41 to 64 years old | $120 to $165 |
| 65 and older | $135 to $190 |
If you are a young driver looking to save, consider being added to a parent’s policy, maintaining good grades (many insurers offer a good student discount), and completing a defensive driving course.
What are the inclusions for Honda Accord Hybrid Car Insurance?
If you’re planning to get a Honda Accord hybrid car insurance, you need to understand what will be covered in it. Different companies will provide different coverage. Here are some of the coverage details that you will receive from all the insurance providers irrespective of the company:
- Total loss
- Loss due to explosion or fire
- Accidental damage on the insured vehicle
- Death of third-party
- Loss or damage due to man-made activities
- Damage of the third-party
You should consider getting personal accident coverage or renewing the insurance plan from time to time. This type of coverage should be purchased separately to drive all benefits.
What Factors Affect Your Honda Accord Insurance Rate?
Insurance companies look at a combination of vehicle specific and driver specific factors when calculating your Honda Accord premium. Understanding these can help you make smarter choices that lead to lower rates.
Vehicle Specific Factors
Your Accord’s trim level and features matter. The 2025 Honda Accord starts at an MSRP of $29,295 for the base LX trim and goes up to $39,300 for the Touring Hybrid. Higher trims with more expensive components cost more to repair after an accident, which pushes premiums up.
Honda Accords have excellent safety ratings, and that works in your favor. The 2025 Accord earned the IIHS Top Safety Pick+ award, the organization’s highest safety designation. It also received a 5 star overall safety rating from NHTSA. Strong safety scores help reduce your insurance costs because safer cars lead to fewer and less severe injury claims.
Every Honda Accord comes standard with Honda Sensing, a suite of driver assistance features that includes collision mitigation braking, lane keeping assist, adaptive cruise control, and road departure mitigation. These active safety technologies reduce your accident risk, which insurers reward with lower premiums.
On the other hand, the Accord’s theft rate does affect premiums. The Honda Accord ranked as the third most stolen vehicle in the United States during the first half of 2025, with 8,531 reported thefts according to the National Insurance Crime Bureau (NICB). The Accord has consistently appeared on the top 10 most stolen vehicles list every year since 2016. Older models without immobilizer technology are particularly targeted. This higher theft risk can increase your comprehensive insurance premium.
Repair costs also work in the Accord’s favor. Honda ranks third in repair affordability among 59 U.S. automakers, with the Accord averaging about $607 in annual repair costs. That is well below the industry average, which helps keep your insurance premiums lower.
Driver Specific Factors
- Driving record: A clean driving history is the single best way to keep your rate low. One at fault accident or DUI conviction can double your premium or more.
- Credit score: In most states, insurers use credit based insurance scores to help set rates. A higher credit score generally means a lower premium. (Note: California, Hawaii, Massachusetts, and Michigan prohibit this practice.)
- Annual mileage: The more you drive, the higher your risk of an accident. If you work from home or have a short commute, let your insurer know. Some companies offer low mileage discounts.
- Location: Urban areas with heavy traffic and higher crime rates cost more to insure in than rural or suburban neighborhoods.
- Coverage limits and deductibles: Choosing higher liability limits gives you better protection but raises your premium. Picking a higher deductible lowers your monthly payment but means more out of pocket if you file a claim.
What Coverage Do You Need for a Honda Accord?
Every state requires some form of car insurance, but the minimum requirements differ. Here is a breakdown of the main coverage types and how they apply to your Accord.
Liability Insurance (Required in Almost Every State)
Liability coverage pays for the other driver’s injuries and property damage when you cause an accident. It does not cover your own car or injuries. Every state except New Hampshire and Virginia requires liability coverage, though Virginia allows you to pay an uninsured motor vehicle fee instead.
Most states set minimum limits, often expressed as numbers like 25/50/25 (meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage). These minimums are usually not enough to protect you fully. A single serious accident can easily exceed minimum limits, leaving you personally responsible for the difference.
For a Honda Accord, consider carrying at least 100/300/100 in liability coverage. It does not cost much more than the minimum, and it provides significantly better financial protection.
Collision Coverage
Collision coverage pays to repair or replace your Accord if it is damaged in a crash with another vehicle or object, regardless of who is at fault. If you have a car loan or lease, your lender will likely require this coverage.
For newer Accords (2020 and later), collision coverage is strongly recommended because the car still holds significant value. For older Accords that are paid off, weigh the cost of the premium against what the insurer would pay out if the car were totaled.
Comprehensive Coverage
Comprehensive coverage protects against non collision events like theft, vandalism, hail damage, flooding, fire, and hitting an animal. Given that the Honda Accord is one of the most stolen vehicles in the country, comprehensive coverage is especially important for Accord owners.
If you live in a state with high theft rates (California, Colorado, or Washington, D.C., for example), comprehensive coverage gives you peace of mind that you will not be left without a car if yours is stolen.
Uninsured/Underinsured Motorist Coverage
About 14% of drivers in the U.S. do not carry insurance. If one of them hits you, uninsured motorist coverage pays for your medical bills and repairs. Some states require this coverage, and even where it is optional, it is worth adding. It is typically inexpensive and provides a valuable safety net.
Personal Injury Protection (PIP) and Medical Payments
PIP covers medical expenses for you and your passengers regardless of fault. It is required in no fault states like Florida, Michigan, and New York. Medical payments coverage (MedPay) is similar but typically has lower limits. If your state requires PIP, it will be included in your policy. If not, MedPay is an affordable add on worth considering.
Cheapest Insurance Companies for a Honda Accord
Not all insurers price the same vehicle the same way. Shopping around is one of the most effective ways to lower your Honda Accord insurance cost. Based on recent rate data, here are some of the most affordable options for Accord owners:
| Insurance Company | Avg. Monthly (Full) | Best For |
|---|---|---|
| USAA | $82 to $140 | Military families |
| GEICO | $125 | Budget shoppers |
| Erie Insurance | $165 | Midwestern/East Coast drivers |
| State Farm | $150 to $170 | Bundling discounts |
| Nationwide | $162 | Loyalty rewards |
Note: USAA is available only to military members and their families. Rates are averages and will vary by location and driver profile.
The key takeaway here is that rates can vary by hundreds of dollars between companies for the exact same driver and vehicle. Getting at least three to five quotes before choosing a policy is one of the smartest financial moves you can make.
10 Proven Ways to Save on Honda Accord Insurance
You do not have to overpay for Honda Accord car insurance. Here are practical strategies that can help you lower your premium:
- Compare quotes from multiple insurers. This is the most effective way to save. Rates for the same coverage can differ by 50% or more between companies.
- Bundle your auto and home (or renters) insurance. Most companies offer a multi policy discount of 5% to 25%.
- Raise your deductible. Moving from a $500 to a $1,000 deductible can reduce your collision and comprehensive premiums by 15% to 30%. Just make sure you can afford the higher deductible if you need to file a claim.
- Ask about all available discounts. Good driver, good student, defensive driving course, low mileage, paperless billing, autopay, and anti theft device discounts are all common.
- Install an anti theft device. Because the Accord is a frequent theft target, adding a steering wheel lock, GPS tracker, or aftermarket alarm can earn you a discount and protect your vehicle.
- Maintain a clean driving record. Avoid tickets and at fault accidents. Many insurers offer safe driver discounts after three to five years of clean driving.
- Improve your credit score. In states where credit is a rating factor, a better score can save you significantly on your premium.
- Consider usage based insurance. Programs like Progressive Snapshot, State Farm Drive Safe and Save, or Allstate Drivewise track your driving habits and reward safe behavior with lower rates.
- Drop coverage you do not need. If you drive an older Accord worth less than $5,000, the cost of collision and comprehensive coverage may exceed what you would receive in a payout.
- Review your policy annually. Life changes like moving, getting married, or paying off your car can affect your rate. Check in with your insurer or shop around every year at renewal time.
Honda Accord Insurance vs. Similar Vehicles
If you are deciding between a Honda Accord and a competing model, insurance costs are worth factoring into your decision. Here is how the Accord compares to other popular midsize sedans:
| Vehicle | Avg. Monthly (Full) | Avg. Annual Cost |
|---|---|---|
| Honda Accord | $159 | $2,342 |
| Toyota Camry | $170 | $2,450 |
| Honda Civic | $160 | $2,520 |
| Hyundai Sonata | $175 | $2,663 |
| Nissan Altima | $165 | $2,380 |
| Ford Mustang | $220+ | $2,900+ |
The Honda Accord sits on the more affordable end of midsize sedan insurance. Its combination of strong safety ratings, reasonable repair costs, and reliable engineering makes it a smart choice from an insurance perspective. It costs less to insure than the Hyundai Sonata and Toyota Camry on average, and significantly less than sport models like the Ford Mustang.
Honda Accord Theft Risk: What You Should Know
The Honda Accord has been one of America’s most stolen vehicles for years. According to the NICB, 8,531 Accords were stolen in just the first six months of 2025, making it the third most stolen vehicle nationally. Nearly 30% of those thefts occurred in California alone.
Older Accord models (especially those built before 2001) are the primary targets because they lack immobilizer technology that prevents hotwiring. Thieves also target Accords for parts, particularly airbags, which can sell for several hundred dollars on black markets.
Here is what you can do to protect your Honda Accord:
- Always lock your doors and take your keys, even if you are just running inside for a minute.
- Park in well lit, high traffic areas whenever possible.
- Use your garage if you have one.
- Install a visible steering wheel lock or an aftermarket alarm system.
- Consider a GPS tracking device to help recover your vehicle if it is stolen.
- Make sure you carry comprehensive coverage. It is the only auto insurance coverage that pays out for vehicle theft.
The good news is that overall vehicle thefts dropped 23% in the first half of 2025 compared to the same period in 2024, and Accord thefts have been trending downward from their 2023 peak. Still, being proactive about theft prevention can save you from a major headache and help keep your premiums lower.
Honda Accord Insurance for Specific Driver Types
Young and First Time Drivers
If you are under 25, insuring a Honda Accord will cost more. However, the Accord is actually a smart choice for a first car because its safety ratings and affordable repair costs help keep premiums lower than they would be for a sports car or SUV. Ask about good student discounts, and consider staying on a parent’s policy until you build up a driving history.
High Risk Drivers
If you have a DUI, multiple tickets, or at fault accidents on your record, your Honda Accord insurance will be significantly more expensive. Look into companies that specialize in high risk coverage. You may also need an SR-22 filing in some states. Over time, as violations age off your record (typically after three to five years), your rates will start to come back down.
Senior Drivers (65+)
Seniors often qualify for mature driver discounts, especially if they complete an approved defensive driving course. The Accord’s excellent safety features, such as collision mitigation braking and lane departure warning, also help keep rates reasonable for older drivers. If you have reduced your driving significantly, ask about low mileage discounts.
Low Income Drivers
If budget is your primary concern, consider carrying only the minimum required coverage (if your car is paid off) and look into state programs designed to help low income drivers access affordable insurance. California’s Low Cost Auto Insurance Program and New Jersey’s Special Automobile Insurance Policy are two examples. Some insurers also offer pay per mile options that can be more affordable if you do not drive often.
Honda Accord Safety Features That Lower Insurance Costs
The Honda Accord’s safety technology is one of the reasons it is relatively affordable to insure for a midsize sedan. Here is what the 2023 to 2026 Accord includes as standard equipment:
- Collision Mitigation Braking System: Automatically applies the brakes if it detects an imminent collision.
- Lane Keeping Assist System: Gently steers you back if you drift out of your lane.
- Adaptive Cruise Control: Maintains a set following distance from the car ahead.
- Road Departure Mitigation: Alerts you and can apply steering torque if you are leaving the road.
- Blind Spot Information System (select trims): Warns you when a vehicle is in your blind spot during a lane change.
- 10 Airbags: Including front, side, knee, and side curtain airbags for all occupants.
- Advanced Compatibility Engineering (ACE) Body Structure: Honda’s proprietary frame design absorbs and distributes crash energy to protect occupants.
These features do not just keep you safe on the road. They also reduce the frequency and severity of insurance claims, which directly translates to lower premiums. When you compare quotes, make sure to mention these features to your insurer.
Frequently Asked Questions About Honda Accord Car Insurance
No. The Honda Accord is actually one of the more affordable midsize sedans to insure. Full coverage averages about $2,342 per year, which is roNo. The Honda Accord is actually one of the more affordable midsize sedans to insure. Full coverage averages about $2,342 per year, which is roughly $321 less than the national average for all vehicles. The Accord's strong safety ratings, affordable repair costs, and widespread parts availability all contribute to keeping insurance premiums reasonable.ughly $321 less than the national average for all vehicles. The Accord's strong safety ratings, affordable repair costs, and widespread parts availability all contribute to keeping insurance premiums reasonable.
Insurance rates are heavily influenced by state regulations, population density, weather patterns, and local driving conditions. States like Louisiana, Michigan, and Florida tend to have the highest premiums due to factors like no fault insurance laws, frequent litigation, high rates of uninsured drivers, and severe weather. States with lower population densities and fewer claims, like Wyoming and Ohio, generally have more affordable rates.
It can, especially your comprehensive coverage premium. The Accord has been one of the top 10 most stolen vehicles in the U.S. since 2016. However, the impact is partially offset by the car's strong safety ratings and low repair costs. Installing anti theft devices and parking in secure locations can help minimize this effect on your rate.
The cheapest approach combines several strategies: shop around and compare at least three to five quotes, choose a higher deductible (if you can afford it), take advantage of all available discounts (bundling, safe driver, good student, anti theft device), and maintain a clean driving record. If you drive an older Accord that is paid off, you could also save by dropping collision and comprehensive coverage, though you would be responsible for repairs or replacement out of pocket.
It depends on your car's value and your financial situation. If your Accord is worth less than $5,000, the annual cost of collision and comprehensive coverage might be close to or even exceed what the insurer would pay out in a total loss. On the other hand, if you would struggle to replace your vehicle out of pocket, keeping full coverage provides valuable peace of mind. There is no one size fits all answer here.
Young drivers can take several steps to lower their premiums. Stay on a parent's policy as long as possible, since multi car discounts apply. Maintain a GPA of 3.0 or higher to qualify for good student discounts. Complete a state approved defensive driving course. Choose a higher deductible if you have some savings to cover it. And most importantly, drive carefully. A clean record will pay off significantly as you build driving experience over the next few years.
Find the Right Honda Accord Insurance for Your Needs
Choosing the right insurance for your Honda Accord is about finding the balance between adequate coverage and a price that fits your budget. Every driver’s situation is different, so what works for your neighbor might not be the best fit for you.
Take a few minutes to review your current coverage, compare quotes from several providers, and make sure you are getting credit for every discount you qualify for. Small changes can lead to real savings over the life of your policy.
If you are ready to explore your options, get a free Honda Accord insurance quote today. Our team can help you find coverage that protects you, your passengers, and your vehicle at a rate you feel good about.
Disclaimer: The insurance cost data referenced in this article comes from publicly available sources including Insure.com, MoneyGeek, Compare.com, Insurify, and The Zebra. All rates are averages based on specific driver profiles and may not reflect your actual premium. Insurance rates vary based on your personal driving history, location, credit score, coverage selections, and other factors. This content is for informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional for guidance tailored to your individual situation.