Honda Accord Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Honda Accord costs about the same as most other cars to insure.

• Liability only auto insurance rates for an Accord run about $88 per month, while full coverage generally tends to be around $173 monthly.

• The most affordable insurance company for an Accord is BridgeNet.

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Accord Overview

The Honda Accord is a great car for all budgets, with base prices starting at just $24,770 for new 2021 models. With nine different trim levels currently offered, there's an option for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Honda Accord auto insurance prices run about $186 per month, on average. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Honda Accord?

In the table above, you'll find that compared to other vehicles on the road, Honda Accord insurance premiums are around average. Accord drivers normally pay about $88 monthly for liability insurance, and around $173 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When you compare it to other models, the Accord is in line with the other vehicles in Honda's lineup. Similarly, compared to other vehicles of a similar body style, Accord coverage runs close to average, with full coverage insurance rates $4 cheaper than other cars and liability insurance prices coming in at $5 higher.

When compared to all vehicles, regardless of make, body style, or model, the Accord follows a similar pattern of having average insurance premiums.

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Who has the Cheapest Car Insurance for a Honda Accord?

If you're looking for a new car insurance policy for your Honda Accord, you might want to know which carrier offers the lowest premiums. Although there will never be one company that has the lowest rates for everyone, the lowest average rates for liability only insurance are sometimes just $22 a month from Ohio Mutual. The next cheapest carrier is CaliforniaCasualty, who offers insurance sometimes as low as $33 per month.

Completing the top 5 carriers are Hugo, NationalGeneral, and TwentyFirstCentury. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Honda Accord.

Insurance carriers take many different things into consideration when calculating monthly rates. There's only one way to make sure you find the lowest possible rates, and that's by checking quotes from multiple car insurance companies.

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What Factors Affect Car Insurance Rates for a Honda Accord?

As we mentioned above, there are a whole range of variables that auto insurance carriers use to determine how much they charge -- and each company weighs certain attributes more than others, so there's not one single carrier that's the cheapest for everyone.

Below are just a few of the factors car insurance companies look at and how each one affects your final rate:

Vehicle Age

The Honda Accord has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Accords begin to depreciate, insurance costs will gradually go down.

As you can see in the information above, the Honda Accord follows this trend, as the cheapest models to insure are those that are 15 years old or more, while the most expensive models are Accords that are 2 to 3 years old, on average.

Your Age

Age makes a significant difference in how much you pay for car insurance. As you can see above, younger drivers pay more expensive rates compared to those who have more experience on the road. In this case, drivers under 18 pay almost three times more than those 25 or older.

Car insurance prices continue to decrease as you get older, with the cheapest age group for Accord drivers being 55-64.

Your Gender

Women tend to pay less for insurance than men. This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim. When it comes to Accord drivers specifically, women pay about $84 monthly for auto insurance and men pay around $92.

Where You Live

You might think it's common sense that things like how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live is equally important. Since insurance is regulated on the state level and not nationally, prices fluctuate quite a bit from state to state.

For example, the average Honda Accord driver in New York pays about $233 a month for liability coverage, while the same Californian owner will pay less than a quarter of that price, on average. The chart shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

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Honda Accord Car Insurance Discounts

No matter your home state, your age, or your car, using as many discounts as possible when it comes to your auto insurance policy is always in your best interest.

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Multi-vehicle discounts for having more than one car on your auto policy
• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings

There are countless ways to save money on your auto insurance if you know where to look. And often, the best way to save isn't through a "discount" at all, but rather by having a favorable driving record and insurance history.

Even though you may not have control of every factor insurance carriers look at to calculate rates (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the factors you can use in your favor in order to save on car insurance:

Your Driving Record

It's no secret that insurance companies offer the most affordable premiums to drivers with clean records. It should be no surprise that if you get cited for speeding or get into an accident, auto insurance prices will go up. But exactly how much can these infractions cost you?

Looking at the table above, you'll notice that accidents will usually cost Accord drivers more than tickets, but both will cause a significant increase in rates. Honda Accord drivers with a single accident on their record pay about $108 a month (up $20 from the $88/mo. overall average), while drivers with one ticket will pay an average of $101 per month. Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

The amount of miles you drive plays a role when it comes to your insurance rates. Drivers who are on the roads less are less likely to get speeding tickets, so they'll usually end up spending less on car insurance. In the table above, you can see that Honda Accord owners who drive 10,000 miles or more pay $87 for auto insurance, while those who drive fewer than 2,500 miles per year pay an average of $81 a month.

But if you drive less often than the average driver or work from home, it may be worth reviewing usage-based or pay-per-mile insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Honda Accords Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Honda Accord is on your shortlist, it can pay off to do your research. Auto insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Honda Accord compares:

With an MSRP that's a third less than the going rate for a new vehicle, the Honda Accord is a great value for any budget. While the national average vehicle MSRP is $46,223, the Accord goes for just $24,770.

But while the purchase price is on the lower end of the spectrum, auto insurance premiums run slightly above average when compared to the rest of the vehicle market. Liability insurance for a Honda Accord is around $4 per month more than average, while full coverage is over $50 more monthly.

When it comes to usage, Honda Accord drivers are near the national average in annual miles driven, with 12,272 miles each year compared to 11,673 for all vehicles.

Honda Accord Car Insurance Costs by Model Year

You've seen how different variables can have an impact on how much the average driver pays for car insurance. If you're in the market for a new car, truck, or SUV and the Accord is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

For this reason, we've crunched the numbers and broken down Honda Accord auto insurance rates by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've also included some other helpful info that might help you make a decision, such as which trim levels are offered, the base MSRP, and who offers the lowest policies for each year the Accord has been around.

Choose Your Model

2021 Honda Accord Car Insurance 2020 Honda Accord Car Insurance 2019 Honda Accord Car Insurance 2018 Honda Accord Car Insurance 2017 Honda Accord Car Insurance 2016 Honda Accord Car Insurance 2015 Honda Accord Car Insurance 2014 Honda Accord Car Insurance 2013 Honda Accord Car Insurance 2012 Honda Accord Car Insurance 2011 Honda Accord Car Insurance 2010 Honda Accord Car Insurance 2009 Honda Accord Car Insurance

2021 Honda Accord Car Insurance

If you're in the market for a brand new Honda Accord, you've got options. A base model Accord will put you back $24,770 (plus taxes and other fees), but with nine different trim levels to pick from, the price can go up from there.

When it comes to insuring a Accord, on average, it costs about $85 per month to insure a 2021 Honda Accord for liability only and $219 monthly for full coverage. And if you want the most affordable insurance possible, Dairyland offers liability only policies for as low as just $17 a month.

While it's great to know the average price drivers pay for insurance, a personalized quote is the only way to find out exactly how much you'll pay. Luckily, with Compare.com you can compare quotes from a variety of carriers at once, all for free. Just enter your ZIP code below to get started.

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2020 Honda Accord Car Insurance

If you're in the market for a 2020 Accord or already own one, you're most likely looking at an average car insurance premium of around $119 for liability or $226 for full coverage.

And if you're just looking for the cheapest insurance for your Accord, Hugo offers liability only policies for as cheap as $21 monthly.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2020 Honda Accord, you can get free quotes in minutes by just entering your ZIP code below.

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2019 Honda Accord Car Insurance

The average cost to insure a 2019 Honda Accord with liability only coverage is $114 per month, while full coverage runs about $222 a month.

With prices sometimes as cheap as $17 monthly, Hugo offered the lowest policy we found for the 2019 Honda Accord.

While these are good estimates of what the average driver might pay to insure a 2019 Honda Accord, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2018 Honda Accord Car Insurance

2018 Accord drivers can expect to pay an average of $115 a month for liability or $216 for full coverage.

If you're looking for the lowest possible 2018 Honda Accord insurance policy, Aspire offered the most affordable policy we found, with rates as little as $20 per month.

Want to know exactly how much you'll pay? Get lots of customized quotes for free by just entering your ZIP code below.

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2017 Honda Accord Car Insurance

On average, drivers who own a 2017 Honda Accord can expect to pay $120 to $201 a month for liability only and full coverage insurance, respectively.

Looking for the cheapest policy? Safeco offered liability only coverage for as cheap as just $17 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2016 Honda Accord Car Insurance

It costs around $95 monthly for liability or $178 for a full coverage policy for the 2016 Accord.

Hugo has prices sometimes as little as $16 a month for the 2016 Honda Accord.

These average rates are a great starting point if you're in the market for a 2016 Honda Accord, but there are a bunch of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2015 Honda Accord Car Insurance

You can expect full coverage for a 2015 Honda Accord to run about $172 monthly, while liability only coverage will average around $93 per month.

With prices as little as just $18 a month, Elephant offered the lowest policy we found.

Want to know exactly what your car insurance premium will be? Enter your ZIP code below to get several free customized quotes.

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2014 Honda Accord Car Insurance

It costs about $90 monthly for liability or $167 for a full coverage policy for the 2014 Accord.

Ohio Mutual offered the most affordable policy we found, with rates as low as $17 per month.

If you want to find the best premiums for auto insurance for a 2014 Honda Accord, enter your ZIP code below and compare lots of personalized quotes in just a few minutes.

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2013 Honda Accord Car Insurance

You can expect full coverage for a 2013 Honda Accord to run around $170 a month, while liability only coverage will average about $101 monthly.

We found Aspire offered the cheapest policy, with rates as cheap as $17 per month.

While these are good estimates of what the average driver might pay to insure a 2013 Honda Accord, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2012 Honda Accord Car Insurance

On average, drivers who own a 2012 Accord can expect to pay $88 to $160 a month for liability only and full coverage insurance, respectively.

If you're looking for the most affordable 2012 Honda Accord insurance policy, StateAuto offered the lowest policy we found, with rates as little as $19 per month.

What will your car insurance price be? Just enter your ZIP code below to get multiple free customized quotes.

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2011 Honda Accord Car Insurance

2011 Honda Accord drivers can expect to pay an average of $89 monthly for liability or $161 for full coverage.

Clearcover offered the cheapest policy we found, with rates as low as just $18 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2010 Honda Accord Car Insurance

The average cost to insure a 2010 Accord with liability only coverage is $97 monthly, while full coverage runs around $165 a month.

Looking for the most affordable policy? Hugo offered liability only coverage for sometimes as cheap as $16 per month.

Want to find the cheapest rates? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2009 Honda Accord Car Insurance

2009 Honda Accord drivers can expect to pay an average of $91 monthly for liability or $166 for full coverage.

SafeAuto has prices sometimes as little as $16 a month for the 2009 Honda Accord.

If you want to know exactly how much you can expect to pay for your Accord, just enter your ZIP code below and get several free quotes in minutes.

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Honda Accord Insurance FAQs

Is a Honda Accord expensive to insure?

The cost of auto insurance for the Honda Accord is about on par with the average vehicle. Liability insurance runs an average of $88 per month, while full coverage will cost you around $173.

How can I get the best price on car insurance for my Honda Accord?

The only way to be confident you're getting the most affordable price on insurance is to check prices regularly and compare quotes from a multitude of companies. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from several carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Honda Accord affect my insurance premiums?

You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's simply not true. There are numerous variables car insurance companies look at when they decide how much your policy will be, but the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Honda Accord?

Before you can legally drive your new (or new to you) Honda Accord off the dealership lot, you'll need to have a valid auto insurance policy. As part of the buying process, some dealerships might offer you an auto insurance policy, but your best bet is letting your car insurance carrier know beforehand.

What car insurance discounts can I get for my Honda Accord?

You will find tons of discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Accord you drive, but if your Accord has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out which discounts you might get is to get in touch with your insurance company and ask about which discounts they offer, since they vary quite a bit from company to company.