+120 more)
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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Honda Accord owners pay an average of $159 per month, which is slightly lower than the national average for all vehicles.
USAA is the cheapest insurer for Honda Accord drivers, averaging $82 per month.
Strong safety ratings from the National Highway Traffic Safety Administration (NHTSA) help offset the Accord’s high theft risk, which helps keep insurance premiums affordable.[1]
The average Honda Accord driver pays around $159 per month for insurance, according to Compare.com data. That said, your premiums largely depend on your coverage levels, as you’ll see in the table below. It compares liability and full-coverage rates for all Accord models and how they stack up against the national average.
Vehicle  | Average Monthly Liability Premium | Average Monthly Full-Coverage Premium | Average Monthly Premium for All Policies |
|---|---|---|---|
| Honda Accord | $119 | $198 | $159 |
| All vehicles | $116 | $216 | $166 |
A typical Accord owner pays $119 per month for liability-only coverage and $198 per month for a full-coverage policy, according to our research. While these averages give you an idea of insurance prices, how much you pay depends on several factors.
Keep reading while we explore how age, location, driving record, and other variables can help you save on insurance premiums.
Find the coverage you need for your Accord at the best price.
Even though the Honda Accord’s average monthly car insurance premium is $159, comparing car insurance helps lower your premiums and find more affordable coverage.
With that in mind, we’ve compiled the five cheapest Accord auto insurance companies in the table below.
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $90 |
| Allstate | $115 |
| American Family | $123 |
| GEICO | $126 |
| CSAA | $138 |
| Nationwide | $149 |
| Progressive | $152 |
| Travelers | $156 |
| Farmers | $176 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA may be an excellent choice for Honda Accord drivers who qualify for membership. The company offers affordable premiums and has some of the highest customer service ratings in the industry. With USAA, most policy management happens online or through its mobile app, so if you value in-person support, it might not be the best fit for your needs.
Top-tier customer service[2]
Consistently low premiums
Military-focused benefits
Military eligibility required
Limited in-person support
Few optional add-ons
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is a top contender for Honda Accord drivers who want dependable coverage and access to local agents. It offers savings for young and safe drivers through programs like Steer Clear and Drive Safe & Save. You can also get a discount when you bundle multiple policies.
Multiple available discounts
High claims satisfaction[3]
Large agent network
No gap insurance available
Higher rates for high-risk drivers
Doesn’t offer accident forgiveness
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate’s rates are a bit higher than some competitors, but it offers more customizable coverage. Honda Accord drivers can find valuable add-ons, like accident forgiveness, extended vehicle care, and rideshare insurance, with Allstate.
The company also offers usage-based savings through its Drivewise telematics program and Milewise pay-per-mile program, which can benefit safe and low-mileage drivers, respectively.
Accident forgiveness available
Usage-based savings programs
Unique coverages available
Below-average claims satisfaction
Fewer discounts overall
Rates higher than average
Find the coverage you need for your Accord at the best price.
Your Honda Accord’s age may indirectly affect the price you pay for insurance. Generally speaking, the more your car is worth, the more it’ll cost to insure. You can expect to pay a bit more for a shiny new Accord than for an older model.
To give you a better idea, check out the table below to see the average monthly premiums for Honda Accords by model year, along with the cheapest insurer and the average monthly rate.
Accord Model Year | Average Monthly Premium |
|---|---|
| 2026 | $191 |
| 2025 | $192 |
| 2024 | $192 |
| 2023 | $191 |
| 2022 | $191 |
| 2021 | $185 |
| 2020 | $177 |
| 2019 | $173 |
| 2018 | $167 |
| 2017 | $164 |
| 2016 | $159 |
| 2015 | $155 |
| 2014 | $153 |
| 2013 | $145 |
| 2012 | $141 |
| 2011 | $138 |
| 2010 | $135 |
| 2009 | $130 |
| 2008 | $129 |
| 2007 | $127 |
| 2006 | $125 |
| 2005 | $122 |
| 2004 | $119 |
| 2003 | $118 |
| 2002 | $118 |
| 2001 | $118 |
| 2000 | $117 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $148 |
| GEICO | $151 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $109 |
| Allstate | $139 |
| American Family | $149 |
| GEICO | $152 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $109 |
| Allstate | $139 |
| American Family | $149 |
| GEICO | $152 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $148 |
| GEICO | $152 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $148 |
| GEICO | $152 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $105 |
| Allstate | $134 |
| American Family | $144 |
| GEICO | $147 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $100 |
| Allstate | $128 |
| American Family | $137 |
| GEICO | $140 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $98 |
| Allstate | $125 |
| American Family | $134 |
| GEICO | $137 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $94 |
| Allstate | $120 |
| American Family | $129 |
| GEICO | $132 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| Allstate | $119 |
| American Family | $127 |
| GEICO | $130 |
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $90 |
| Allstate | $115 |
| American Family | $123 |
| GEICO | $126 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $88 |
| Allstate | $112 |
| American Family | $120 |
| GEICO | $123 |
The state you call home can also influence your Honda Accord insurance rates. Insurance companies look at local factors like population density, crime rates, and even weather patterns in your area to determine the likelihood of accidents and claims.
Our research below gives you a peek at how your rate stacks up depending on where you live. It breaks down the average monthly cost of Honda Accord insurance from coast to coast.
State | Average Monthly Premium |
|---|---|
| Alabama | $131 |
| Arizona | $140 |
| Arkansas | $151 |
| California | $171 |
| Colorado | $171 |
| Connecticut | $237 |
| Delaware | $198 |
| Florida | $185 |
| Georgia | $212 |
| Hawaii | $105 |
| Idaho | $87 |
| Illinois | $132 |
| Indiana | $108 |
| Iowa | $89 |
| Kansas | $123 |
| Kentucky | $164 |
| Louisiana | $178 |
| Maine | $116 |
| Maryland | $252 |
| Massachusetts | $125 |
| Michigan | $191 |
| Minnesota | $145 |
| Mississippi | $125 |
| Missouri | $151 |
| Montana | $124 |
| Nebraska | $120 |
| Nevada | $211 |
| New Hampshire | $73 |
| New Jersey | $224 |
| New Mexico | $121 |
| New York | $183 |
| North Carolina | $74 |
| North Dakota | $97 |
| Ohio | $103 |
| Oklahoma | $142 |
| Oregon | $127 |
| Pennsylvania | $134 |
| Rhode Island | $183 |
| South Carolina | $203 |
| South Dakota | $115 |
| Tennessee | $118 |
| Texas | $182 |
| Utah | $125 |
| Vermont | $119 |
| Virginia | $149 |
| Washington | $141 |
| Washington D.C. | $262 |
| West Virginia | $123 |
| Wisconsin | $101 |
| Wyoming | $94 |
Your age carries a lot of weight in the car insurance world. Premiums tend to skew higher for young drivers because they don’t have as much experience on the road. Among all ages, teenagers have the highest accident rate and a fatal crash rate that’s three times the rate of older drivers, according to the Centers for Disease Control and Prevention (CDC).
The breakdown in the table below shows the average monthly car insurance price for a Honda Accord for each age group, as well as the insurer offering the lowest rates and its average monthly cost.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $305 |
| Adults | $159 |
| Seniors | $137 |
Insurance costs for teen and young Honda Accord drivers are among the highest of any age group. Federal crash data consistently shows that motorists younger than 20 have higher crash involvement than older adults.[4]
Even so, prices vary widely between insurers since companies weigh personal factors differently. The companies in the chart below tend to offer the most affordable Accord rates for young drivers, according to our analysis.
Older drivers typically benefit from decades of experience, and research from the Insurance Institute for Highway Safety shows that drivers in their 70s have fewer fatal crashes than many middle-aged motorists.[5] Experience and safer driving behaviors generally work in their favor when it comes to auto insurance premiums.
Some insurers also offer mature-driver discounts as well, but pricing still varies by company. The five insurers in the chart below offer some of the lowest Honda Accord rates for senior drivers, according to our data.
Traffic violations and prior claims play a major role in Accord insurance pricing. Insurers use this history to gauge future risk, so infractions such as speeding, at-fault accidents, or DUIs can raise premiums for several years.
Below, you can see how common driving records can affect the average monthly cost of insuring a Honda Accord, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $159 |
| Speeding ticket | $213 |
| At-fault accident | $227 |
| DUI | $267 |
A speeding ticket signals a higher risk to insurers, especially given that speeding was a factor in 29% of U.S. traffic deaths in 2023.[6] Still, companies penalize speeding violations differently — some raise rates sharply, while others are more forgiving.
Our data shows these five insurers tend to offer the cheapest rates to Honda Accord drivers with a speeding ticket on their record.
Causing a collision typically leads to a noticeable rate increase because it signals an increased claims risk to insurers. Most companies raise premiums for roughly three years after an at-fault crash.[7]
But some insurers weigh accident history less heavily than others, and comparing quotes can help reduce the increase. The insurers in the chart below offer some of the lowest rates for Honda Accord drivers with an at-fault accident, according to our data.
A DUI violation carries the steepest insurance consequences of any common infraction. Some insurers decline coverage altogether, while others significantly increase premiums due to the heightened risk.
Still, certain companies specialize in higher-risk drivers and may offer more reasonable rates. Here’s a look at average premiums from the cheapest companies for Honda Accord drivers after a DUI conviction, according to Compare.com data.
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Several vehicle-specific factors influence the cost of insuring a Honda Accord. Insurers look at the model’s characteristics, repair patterns, and how often thieves target it when setting premiums. Here’s what to look out for:
Vehicle price and repair costs: Starting MSRPs for the 2025 Honda Accord range from $29,295 to $39,300, depending on which trim you choose. Higher-end models generally cost more to insure due to higher repair costs.
Safety ratings: Strong crash-test scores and safety tech, such as collision mitigation, lane assistance, adaptive cruise control, and blind-spot monitoring, can help contribute to lower rates.
Theft risk: The Accord is one of the most stolen vehicles in the U.S., according to the National Insurance Crime Bureau, which can result in higher premiums in regions where theft rates are elevated.
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If you’re looking to save money on your Honda Accord’s insurance, here are five top tips tailored to your vehicle:
Take advantage of Accord-specific discounts: Honda Accords earn high safety ratings, and many insurers offer discounts for features like anti-lock brakes, passive restraint systems (airbags, crumple zones), and anti-theft devices.
Choose a lower trim level: Higher trim levels — like Touring or Hybrid — come with higher-cost parts and features, raising insurance rates.
Go for the higher deductible: A higher deductible on your collision and comprehensive coverage can dramatically lower your monthly rates. But keep in mind that while your up-front cost will be cheaper, you’ll pay more if you need to file a claim.
Bundle your policies: Bundling other insurance policies — like homeowners or renters insurance — with your Accord’s auto insurance can qualify you for a multi-policy discount.
Get multiple quotes and shop around: Rates can change over time, so it’s a good idea to compare car insurance quotes from more than one company once or twice per year.
Find the coverage you need for your Honda Accord at the best price.
We’ve broken down answers to some of the most common questions about insuring a Honda Accord.
No. Insurance for the Honda Accord isn’t expensive. Average premiums are $159 per month, which is 4% lower than the national average of $166 across all cars, according to our data.
USAA offers the cheapest average rates for Honda Accord drivers, at $82 per month, but you must be a current or former military member (or have a family connection) to qualify for coverage. For other Accord drivers, State Farm is the next cheapest insurer, at $90 per month.
The average cost of car insurance for a 2026 Honda Accord is $191 per month, according to Compare.com data. But your exact premium depends on several factors, like your age, location, and driving record.
The Honda Fit is the cheapest Honda model to insure, with an average monthly cost of $113, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).