Honda Accord Car Insurance Cost 2025

The average cost of insuring a Honda Accord is $1,507 annually. However, the exact price may differ depending on factors like your age, the car’s model year, and other variables. Check out our quote tables below to get a personalized estimate for your insurance costs.

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Updated: 29 January 2025
Written by Bob Phillips
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If you’re considering purchasing a Honda Accord, one of the many factors you’ll need to consider is the cost of insurance. After all, insurance is a significant part of car ownership, and it’s crucial to know what you’re getting into before you make your purchase. On average, insurance for a Honda Accord cost $1,507 per year.

Not carefully selecting a good car insurance policy can lead to unexpected and potentially high costs down the road. The last thing you want to happen is to have insufficient coverage when an accident occurs, leaving you with hefty out-of-pocket expenses. And let’s not forget about potential increases in premiums if you’re found at fault.

With over a decade of experience analyzing car insurance rates, I’ve seen just how much these costs can vary. Factors such as your age, driving record, and even where you live can significantly influence your insurance premiums.

How Much Does A Honda Accord Car Insurance Cost?

Typically, Honda Accord drivers can find car insurance at an average rate of $1,507 per year.

Car insurance costs can vary widely based on several factors, such as your location, driving history, car model year, and chosen coverage options. For example, a clean driving record can help you secure lower premiums, while a history of accidents or traffic violations may increase your rates.

Living in a high-traffic urban area can also result in higher premiums compared to living in a rural area with less traffic. Additionally, the type of coverage you choose plays a significant role in pricing—comprehensive insurance, which includes collision and comprehensive coverage, tends to cost more than basic liability coverage.

As shown in the table below, insuring a Honda Accord is more affordable than the average cost for all Honda models but still higher than the average for all vehicles.

To help you find the best deal, Insuranceopedia offers tools to compare quotes from top auto insurance providers, making it easier to choose the right coverage for your needs.

Vehicle Average Monthly Premium
Honda Accord $150
All Hondas $186
All Cars $175

Average Insurance Cost Of Honda Accord By Model Year

Model Year Average Premium
2024 Honda Accord $1,004
2023 Honda Accord $574
2022 Honda Accord $672
2021 Honda Accord $570
2020 Honda Accord $445
2019 Honda Accord $520
2018 Honda Accord $487
2017 Honda Accord $629
2016 Honda Accord $597
2015 Honda Accord $560
2014 Honda Accord $644
2013 Honda Accord $400
2012 Honda Accord $402
2011 Honda Accord $327
2010 Honda Accord $322

2024 Honda Accord Insurance Rates

The average annual insurance cost for a 2024 Honda Accord is $1,004. However, Safeco offers the cheapest rates, averaging $220 per year.

Insurance Provider Average Annual Cost
New York Central Mutual Fire $799
Plymouth Rock Assurance $937
Erie $1,104
PEMCO $1,227
Safeco $220
NatGen Custom 360 $1,196
Travelers $1,133
Safety Group $1,207
Capital Insurance Group $1,138
USAA $1,075

2023 Honda Accord Insurance Rates

The average annual insurance cost for a 2023 Honda Accord is $574. However, Safeco offers the cheapest rates, averaging $87 per year.

Insurance Provider Average Annual Cost
Mercury Insurance $357
NatGen Advantage $326
Victoria $475
New York Central Mutual Fire $802
Safeco $87
Texas Farm Bureau Group $630
AssuranceAmerica Mobile Max $711
Buckeye Insurance Group $920
NatGen Custom 360 $817
American National P $615

2022 Honda Accord Insurance Rates

The average annual insurance cost for a 2022 Honda Accord is $672. However, Kemper Personal Insurance offers the cheapest rates, averaging $119 per year.

Insurance Provider Average Annual Cost
Safeco $226
AssuranceAmerica Mobile Max $439
Victoria $484
NatGen PPA $1,097
Kemper Personal Insurance $119
American National P $823
Mercury Insurance $833
Dairyland FR Bond $1,123
NatGen Custom 360 $997
Kemper Auto Premier $581

2021 Honda Accord Insurance Rates

The average annual insurance cost for a 2021 Honda Accord is $570. However, Jupiter Auto Insurance offers the cheapest rates, averaging $61 per year.

Insurance Provider Average Annual Cost
AssuranceAmerica Mobile Max $292
Safeco $246
Kemper Auto Premier $352
Bear River $1,029
Jupiter Auto Insurance $61
Mercury Insurance $614
Victoria $695
Dairyland Broadform $1,075
American National P $760
Dairyland FR Bond $577

2020 Honda Accord Insurance Rates

The average annual insurance cost for a 2020 Honda Accord is $445. However, Jupiter Auto Insurance offers the cheapest rates, averaging $30 per year.

Insurance Provider Average Annual Cost
Kemper Personal Insurance $136
Kemper Auto Premier $171
Safeco $315
Mercury Insurance $861
Jupiter Auto Insurance $30
NatGen Custom 360 $355
AssuranceAmerica Mobile Max $512
Utica National Ins Group $969
American National P $787
Dairyland FR Bond $314

2019 Honda Accord Insurance Rates

The average annual insurance cost for a 2019 Honda Accord is $520. However, Jupiter Auto Insurance offers the cheapest rates, averaging $40 per year.

Insurance Provider Average Annual Cost
Kemper Auto Premium $141
Safeco $268
NatGen Custom 360 $458
Mercury Insurance $865
Jupiter Auto Insurance $40
American National P&C $517
AssuranceAmerica Mobile Max $586
Countryway Insurance $1,015
Bear River $748
American National P $562

2018 Honda Accord Insurance Rates

The average annual insurance cost for a 2018 Honda Accord is $487. However, Safeco offers the cheapest rates, averaging $205 per year.

Insurance Provider Average Annual Cost
AssuranceAmerica Mobile Max $328
Dairyland FR Bond $299
Dairyland Auto 1 Month $382
American National P $635
Safeco $205
Kemper Personal Insurance $538
Union Mutual Fire Group $586
Mercury Insurance $721
American National P&C $689
NatGen Custom 360 $483

2017 Honda Accord Insurance Rates

The average annual insurance cost for a 2017 Honda Accord is $629. However, Safeco offers the cheapest rates, averaging $164 per year.

Insurance Provider Average Annual Cost
Dairyland FR Bond $208
NatGen Custom 360 $313
Kemper Personal Insurance $271
SECURA Insurance $985
Safeco $164
American National P $770
Kemper Auto Premier $832
Concord Group $1,125
American National P&C $885
AssuranceAmerica Mobile Max $737

2016 Honda Accord Insurance Rates

The average annual insurance cost for a 2016 Honda Accord is $597. However, Kemper Auto Premium offers the cheapest rates, averaging $134 per year.

Insurance Provider Average Annual Cost
Safeco $139
NatGen Custom 360 $377
Dairyland FR Bond $556
Kemper Auto Premier $909
Kemper Auto Premium $134
Mercury Insurance $678
Utica National Ins Group $770
NatGen Advantage $938
Kemper Personal Insurance $831
Nationwide ThreeSixZero $640

2015 Honda Accord Insurance Rates

The average annual insurance cost for a 2015 Honda Accord is $560. However, Kemper Auto Premium offers the cheapest rates, averaging $121 per year.

Insurance Provider Average Annual Cost
Safeco $174
Kemper Auto Premium $426
Mercury Insurance $504
Utica National Ins Group $796
Kemper Auto Premier $121
NatGen Custom 360 $657
Dairyland Auto 1 Month $691
American National P $869
Kemper Personal Insurance $841
AssuranceAmerica Mobile Max $519

2014 Honda Accord Insurance Rates

The average annual insurance cost for a 2014 Honda Accord is $644. However, Kemper Personal Insurance offers the cheapest rates, averaging $138 per year.

Insurance Provider Average Annual Cost
Safeco $187
Mercury Insurance $471
Concord Group $683
MMG Insurance Company $865
Kemper Personal Insurance $138
Kemper Auto Premier $744
American National P $817
PEMCO $876
AssuranceAmerica Mobile Max $872
Dairyland FR Bond $787

2013 Honda Accord Insurance Rates

The average annual insurance cost for a 2013 Honda Accord is $400. However, Safeco offers the cheapest rates, averaging $161 per year.

Insurance Provider Average Annual Cost
Safeco $161
NatGen Custom 360 $187
Kemper Auto Premier $196
Utica National Ins Group $612
Kemper Personal Insurance $162
Mercury Insurance $488
Loya Insurance $513
AssuranceAmerica Mobile Max $815
Dairyland Broadform $624
Dairyland FR Bond $238

2012 Honda Accord Insurance Rates

The average annual insurance cost for a 2012 Honda Accord is $402. However, Kemper Personal Insurance offers the cheapest rates, averaging $21 per year.

Insurance Provider Average Annual Cost
NatGen Custom 360 $105
Safeco $181
AssuranceAmerica Mobile Max $225
Concord Group $764
Kemper Personal Insurance $21
Mercury Insurance $393
American National P $615
SECURA Insurance $807
Bear River $589
Kemper Auto Premier $324

2011 Honda Accord Insurance Rates

The average annual insurance cost for a 2011 Honda Accord is $327. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $66 per year.

Insurance Provider Average Annual Cost
Kemper Personal Insurance $94
Safeco $127
Mercury Insurance $236
Utica National Ins Group $702
AssuranceAmerica Mobile Max $66
Kemper Auto Premier $308
Dairyland Broadform $347
Commerce Group Inc $733
NatGen Custom 360 $441
Dairyland FR Bond $213

2010 Honda Accord Insurance Rates

The average annual insurance cost for a 2010 Honda Accord is $322. However, Safeco offers the cheapest rates, averaging $76 per year.

Insurance Provider Average Annual Cost
Kemper Personal Insurance $211
NatGen Custom 360 $335
Kemper Auto Premier $283
Dairyland Broadform $520
Safeco $76
Mercury Insurance $314
Kemper Auto Premium $271
Nationwide ThreeSixZero $609
American National P&C $305
AssuranceAmerica Mobile Max $299

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Is A Honda Accord Expensive To Insure?

Insuring a Honda Accord costs less than the overall average for all vehicles. However, the exact amount you’ll pay depends on several factors, including your age, the car’s age, your location, and other personal details.

Cost of Honda Accord Car Insurance By Age

Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums since they are statistically more likely to be involved in accidents. However, as you age and are seen as a lower insurance risk, your premiums tend to decrease.

Age Good Driver Recent Accident Poor Credit
17 $7,249 $10,700 $12,496
18 $6,798 $10,047 $11,638
19 $6,023 $8,873 $10,364
20 $5,203 $7,650 $9,012
21 $4,424 $6,510 $7,609
22 $4,282 $6,330 $7,306
23 $3,740 $5,479 $6,453
24 $3,596 $5,236 $6,090
25 $3,047 $4,480 $5,239
30 $2,365 $3,503 $4,165
35 $2,295 $3,315 $3,902
40 $2,182 $3,216 $3,691
45 $2,104 $3,100 $3,620
55 $1,959 $2,821 $3,295
65 $1,952 $2,983 $3,459
75 $2,543 $3,668 $4,319

Honda Accord Car Insurance Rates By State

Your location is a major factor in how insurance companies determine rates. Each state has its own auto insurance regulations, which can significantly impact premiums. For instance, Michigan drivers often face higher costs due to the state’s requirement for higher coverage levels.

Additionally, the climate of your area plays a role. States prone to extreme weather, like hurricanes, storms, or flooding, may see higher insurance rates. Crime and accident statistics in your location, such as car thefts, collisions, and fatality rates, are also considered when calculating your Honda Accord insurance costs.

State Good Driver Recent Accident Poor Credit
Alabama $2,333 $3,312 $4,253
Alaska $1,868 $2,660 $2,542
Arizona $2,142 $3,071 $4,553
Arkansas $2,379 $3,690 $4,019
California $2,614 $4,597 $2,659
Colorado $2,419 $3,375 $4,357
Connecticut $3,093 $4,771 $6,137
Delaware $2,585 $3,414 $4,355
Florida $3,041 $4,199 $5,480
Hawaii $1,046 $1,328 $1,050
Idaho $1,783 $2,335 $2,760
Illinois $1,767 $2,736 $3,175
Indiana $1,853 $2,848 $3,191
Iowa $1,450 $2,072 $2,342
Kansas $1,966 $2,877 $3,389
Kentucky $2,856 $4,186 $4,916
Louisiana $3,595 $5,472 $5,966
Maine $1,404 $1,956 $2,824
Maryland $2,268 $3,192 $3,656
Massachusetts $1,794 $3,153 $1,755
Michigan $4,343 $6,602 $10,343
Minnesota $1,750 $2,392 $3,345
Mississippi $2,153 $3,052 $3,065
Missouri $2,025 $2,920 $3,822
Montana $2,095 $2,873 $3,339
Nebraska $1,723 $2,623 $2,800
Nevada $2,847 $4,219 $4,538
New Hampshire $2,034 $3,145 $3,963
New Jersey $2,237 $3,490 $4,564
New Mexico $2,271 $3,358 $3,423
New York $2,089 $2,640 $4,416
North Carolina $1,268 $2,230 $1,596
North Dakota $1,764 $2,650 $3,206
Ohio $1,594 $2,447 $2,477
Oklahoma $2,491 $3,591 $4,097
Oregon $2,254 $3,063 $3,606
Pennsylvania $1,952 $2,817 $3,334
Rhode Island $3,205 $4,734 $5,280
South Carolina $2,153 $3,035 $4,226
South Dakota $1,927 $2,780 $3,251
Tennessee $2,307 $3,412 $4,471
Texas $2,266 $3,367 $4,144
Utah $2,016 $2,722 $3,828
Vermont $1,545 $2,302 $2,445
Virginia $1,466 $2,143 $2,129
Washington $1,946 $2,584 $3,115
West Virginia $1,958 $2,714 $3,452
Wisconsin $1,879 $2,930 $3,410
Wyoming $1,802 $2,499 $2,671
Georgia $2,545 $3,781 $3,789

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Cheapest Car Insurance Companies For A Honda Accord

If you’re shopping for a new car insurance policy for your Honda Accord, it’s helpful to know which companies offer the lowest rates. For budget-conscious drivers, Safeco provides the cheapest option, with an average premium of $70 per month. However, rates can vary depending on your individual driver profile. To find the best deal for your specific situation, it’s a good idea to compare quotes from multiple providers.

Company Average Monthly Rate
Safeco $70
Mercury $112
Farmers $93
National General $132
SafeAuto $94

Common Honda Accord Insurance Discounts

Discounts are an excellent way to reduce your car insurance premiums. While specific discounts vary by provider, here are some common ones you may qualify for:

  • Multi-policy discount: Bundling your home and auto insurance with the same company often results in a lower rate.
  • Annual payment discount: Paying your premium in full, instead of monthly, can save you money.
  • Defensive driving discount: Completing a certified defensive driving course may make you eligible for reduced rates.

Other discounts might also be available depending on your insurer. It’s worth consulting with your insurance agent to explore all the options you qualify for.

Our Methodology

To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top auto insurers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures in this guide may not reflect your personal rates.

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Quotes Analyzed

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Brands Reviewed

40+

Research Hours

15+

Years Of Experience

FAQs

Do You Need Insurance Before You Can Purchase A Honda Accord?

You must have proof of insurance before taking your Honda Accord home from the dealership. It’s best to arrange a policy in advance and notify your insurance provider about your new car purchase, rather than depending on insurance through the dealership.

How Can You Get The Cheapest Insurance For Your Honda Accord?

To find the most affordable rates for your Honda Accord, it’s essential to shop around and compare quotes from various auto insurance companies. Thankfully, Insuranceopedia makes it easy to compare offers from multiple providers directly on their website.

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