Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 8, 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

As one of the most popular models on the road, Honda Accord car insurance rates cost drivers an average of $1,310 a year, or $109 every month for full coverage.

Some of the factors that determine individual Honda Accord insurance rates include age, location, and personal driving record. If you want to do as much as you can to save, good drivers see savings of up to $540 on their Honda Accord rates.

Learn all about how to research the best policy possible in this detailed article.

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.

Table of Contents

Honda Accord Insurance Cost

The average Honda Accord car insurance rates 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 Subaru WRX, Subaru Impreza, and Infiniti Q50.

Vehicle Comprehensive Collision Liability Total
Honda Accord $280 $500 $372 $1,310
Subaru WRX $320 $566 $338 $1,360
Subaru Impreza $320 $542 $390 $1,410
Infiniti Q50 $344 $686 $398 $1,586
Nissan Sentra $254 $570 $390 $1,372
Cadillac ATS $294 $566 $398 $1,416
Audi S3 $356 $744 $264 $1,474
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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 can impact 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 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 car 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

The Honda Accord’s safety ratings will affect your Honda Accord car insurance rates. See the chart 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

Good Honda Accord crash test ratings can lower your Honda Accord auto insurance rates. See Honda Accord crash test results below:

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 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

Insurance loss probability on the Honda Accord fluctuates between each type of coverage. The lower percentage means lower Honda Accord car insurance rates; higher percentages mean higher Honda Accord auto insurance rates.

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 auto insurance at the dealership, so be sure to shop around and compare Honda Accord auto 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 car insurance costs. For example, try these five tips:

  • Ask About Mature Driver Discounts for Drivers Over 50
  • Ask for a Honda Accord Discount If You Have College Degree or Higher
  • Consider Renting a Car Instead of Buying a Second Honda Accord
  • Compare Honda Accord Quotes for Free Online
  • If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan

Top Honda Accord Insurance Companies

Who is the top auto 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
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Compare Free Honda Accord Insurance Quotes Online

To start comparing Honda Accord car insurance quotes for free, use our online car insurance comparison tool.
How expensive is car insurance for a Honda Accord? For sheer reliability, customer loyalty, and reasonable price, practically no car brand matches the Honda Accord’s legendary track record.

It is not any surprise that these cars rank in the top five best-selling cars in the United States every year, generally just behind or in front of the Toyota Camry and Toyota Corolla.

A prospective buyer of a new Honda Accord will likely wonder how much they will have to pay for car insurance if they purchase this impressive new vehicle.

Naturally, the answer involves a variety of factors, and some of them are unique to each individual involved (like location, driving record, number of years driving, and even credit history), but general elements influencing the cost of car insurance for a Honda Accord include:

  • Safety features
  • Security systems
  • Performance features

Read on to learn some of the things that contribute to the Honda Accord’s car insurance costs and then enter your ZIP code to compare Honda Accord auto insurance quotes online!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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What are the safety features of the Honda Accord?

Honda Accords come equipped standard with the following safety features:

  1. Anti-Lock Braking System (ABS) – featuring standard four-wheel anti-locking disc brakes, including a proprietary system of Electronic Brake Distribution (EBD), which aid the driver in maintaining good control over the vehicle, even during difficult braking conditions.
  2. Dual-Stage, Multiple-Threshold Front Airbags (SRS)
  3. Dual-Chamber Front Side Airbags with Passenger-Side Occupant Position Detection System (OPDS)
  4. Side Curtain Airbags – All Honda Accords come with standard front, front side and side curtain airbags which assist in alleviating the possibility of injuries in the event of an accident.
  5. Driver’s and Front Passenger’s Active Head Restraints
  6. Side-Impact Door Beams

Where safety features are concerned, car insurance companies are particularly interested in vehicles that have anti-lock braking systems and multiple point airbag systems when they are calculating car insurance rates. They offer insurance rate discounts to such vehicles.

Honda Accords come equipped standard with a security system. Insurance companies generally give discounts to vehicles that possess alarm or security systems.

Honda Accord Performance Features

Honda Accords come equipped standard with the following performance features:

  1. Tire Pressure Monitoring System (TPMS) – allows the driver to know when his air pressure reaches a certain critical low point in any of the four tires.
  2. Vehicle Stability Assist™ (VSA®) with Traction Control – this feature  assists the driver by recognizing oversteering and understeering in emergency scenarios by reducing engine output and compensating with different brake pressure at any or all wheels.

Where performance features are involved, insurance companies typically offer discounts to vehicles which have mechanisms built in to help drivers avoid accidents while on the road.

How do I compare Honda Accord car insurance rates?

A car buyer must never forget the importance of shopping around and of comparing quotes from many different insurance companies so that they are able to find the best car insurance rates for their vehicle.

Once again, although many different factors are involved in the calculations of Honda Accord car insurance rates, an average amount that a consumer seeking such car insurance can expect to pay is approximately $1,131.

Keep in mind that this is only a guideline number and that the insurance rates will vary not only by region to region, but also by state, and even by city.

Enter your ZIP code below now to compare personalized Honda Accord auto insurance rates!