Online Honda Accord Insurance Rates [Everything You Need to Know]

Honda Accord auto insurance rates are around $109 a month on average. State Farm and GEICO are the most popular companies for Honda Accord insurance coverage, but you could find cheaper rates with another company when you compare Honda Accord insurance quotes online. Enter your ZIP code below to start comparing Honda Accord insurance costs before you choose a policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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. The highest rates are for teens who will pay around $4,788 a year or $399 a month.

Good drivers save up to $540 a year in policy discounts by being safe out on the roadways. We’re going to take a quick look at Honda Accord insurance rates, safety features, 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 Honda Accord car insurance costs are $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 Cadillac ATS, Chevrolet Malibu, and Dodge Charger.

Vehicle Comprehensive Collision Liability Total
Honda Accord $280 $500 $372 $1,310
Cadillac ATS $294 $566 $398 $1,416
Chevrolet Malibu $322 $532 $372 $1,384
Dodge Charger $376 $626 $466 $1,668
Cadillac CTS $320 $626 $398 $1,502
Chrysler 300 $332 $626 $398 $1,514
Honda Civic $280 $656 $420 $1,536
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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 will affect the total price you will pay for Honda Accord insurance coverage.

Age of the Vehicle

Older Honda Accord models generally cost less to insure. For example, car 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
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Driver Age

Driver age can have a significant impact on Honda Accord auto insurance rates. For instance, a 30-year-old driver may pay $58 more each year for Honda Accord auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Honda Accord insurance rates. For example, drivers in Phoenix may pay $720 a year less than drivers in Los Angeles.

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 auto insurance rates 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
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Honda Accord Crash Test Ratings

Poor Honda Accord crash test ratings could mean higher 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
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Honda Accord Safety Features

The more safety features you have on your Honda Accord, the more likely it is that you can earn a discount. The Honda Accord’s safety features include:

  • 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

surance Loss Probability

Another contributing factor that plays a direct role in Honda Accord insurance rates is the loss probability for each type of coverage.

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
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Honda Accord Finance and Insurance Cost

If you are financing a Honda Accord, you will pay more if you purchase Honda Accord car insurance at the dealership, 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

You have more options at your disposal to save money on your Honda Accord auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Honda Accord car insurance rates

  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Purchase a Roadside Assistance Program for Your Honda Accord
  • Take Public Transit Instead of Driving Your Honda Accord
  • Check Your Honda Accord Policy Carefully to Ensure All Information is Correct
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible

Top Honda Accord Insurance Companies

The best auto insurance companies for Honda Accord car insurance rates will offer competitive rates, discounts, and account for the Honda Accord’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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
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Compare Free Honda Accord Insurance Quotes Online

You can start comparing quotes for Honda Accord auto insurance rates from some of the best auto insurance companies by using our free online tool now.

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Compare over 200 auto insurance companies at once!

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