Honda Accord Car Insurance Cost 2026
The average cost of insuring a Honda Accord is $2,203 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.
We’ve saved shoppers an average of $600 per year on their car insurance.
How Much Does Honda Accord Car Insurance Cost?
Typically, Honda Accord drivers can find car insurance at an average rate of $2,203 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 | $184 |
| All Hondas | $186 |
| All Cars | $175 |
Average Insurance Cost Of Honda Accord By Model Year
| Model Year | Average Premium |
| 2026 Honda Accord | $2,468 |
| 2025 Honda Accord | $2,767 |
| 2024 Honda Accord | $1,091 |
| 2023 Honda Accord | $628 |
| 2022 Honda Accord | $797 |
| 2021 Honda Accord | $674 |
| 2020 Honda Accord | $588 |
| 2019 Honda Accord | $627 |
| 2018 Honda Accord | $518 |
| 2017 Honda Accord | $740 |
| 2016 Honda Accord | $712 |
| 2015 Honda Accord | $663 |
| 2014 Honda Accord | $764 |
| 2013 Honda Accord | $610 |
| 2012 Honda Accord | $582 |
| 2011 Honda Accord | $506 |
| 2010 Honda Accord | $367 |
2026 Honda Accord Insurance Rates
Insuring a Honda Accord in 2026 costs an average of about $2,468 per year across the carriers listed below. Rates vary based on your driving history, location, coverage level, and the insurer you choose. Among these providers, Erie Insurance offers the cheapest coverage, with an estimated annual premium of $1,985.
| Insurance Provider | Average Annual Cost |
| Erie Insurance | $1,985 |
| Auto-Owners Insurance | $2,180 |
| NJM Insurance | $2,310 |
| Amica Mutual | $2,455 |
| Country Financial | $2,540 |
| Mercury Insurance | $2,620 |
| The Hartford | $2,760 |
| Grange Insurance | $2,890 |
2025 Honda Accord Insurance Rates
The average annual insurance cost for a 2025 Honda Accord is $2,767. However, Nationwide offers the cheapest rates, averaging $1,950 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $1,920 |
| State Farm | $2,650 |
| Nationwide | $1,950 |
| Geico | $2,300 |
| Farmers | $3,250 |
| Auto Owners | $2,350 |
| Allstate | $3,600 |
| Progressive | $2,400 |
| Mercury | $2,950 |
| Safe Auto | $4,300 |
2024 Honda Accord Insurance Rates
The average annual insurance cost for a 2024 Honda Accord is $1,091. However, New York Central Mutual Fire offers the cheapest rates, averaging $799 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $799 |
| Plymouth Rock Assurance | $937 |
| Erie | $1,104 |
| PEMCO | $1,227 |
| 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 $628. However, NatGen Advantage offers the cheapest rates, averaging $326 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $357 |
| NatGen Advantage | $326 |
| Victoria | $475 |
| New York Central Mutual Fire | $802 |
| 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 $797. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $439 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $439 |
| Victoria | $484 |
| NatGen PPA | $1,097 |
| 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 $674. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $292 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $292 |
| Kemper Auto Premier | $352 |
| Bear River | $1,029 |
| 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 $588. However, Dairyland FR Bond offers the cheapest rates, averaging $314 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $315 |
| Mercury Insurance | $861 |
| 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 $627. However, Safeco offers the cheapest rates, averaging $268 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $268 |
| NatGen Custom 360 | $458 |
| Mercury Insurance | $865 |
| 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 $518. However, Dairyland FR Bond offers the cheapest rates, averaging $299 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $328 |
| Dairyland FR Bond | $299 |
| Dairyland Auto 1 Month | $382 |
| American National P | $635 |
| 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 $740. However, Kemper Personal Insurance offers the cheapest rates, averaging $271 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $313 |
| Kemper Personal Insurance | $271 |
| SECURA Insurance | $985 |
| 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 $712. However, NatGen Custom 360 offers the cheapest rates, averaging $377 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $377 |
| Dairyland FR Bond | $556 |
| Kemper Auto Premier | $909 |
| 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 $663. However, Kemper Auto Premium offers the cheapest rates, averaging $426 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premium | $426 |
| Mercury Insurance | $504 |
| Utica National Ins Group | $796 |
| 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 $764. However, Mercury Insurance offers the cheapest rates, averaging $471 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $471 |
| Concord Group | $683 |
| MMG Insurance Company | $865 |
| 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 $610. However, Mercury Insurance offers the cheapest rates, averaging $488 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $612 |
| Mercury Insurance | $488 |
| Loya Insurance | $513 |
| AssuranceAmerica Mobile Max | $815 |
| Dairyland Broadform | $624 |
2012 Honda Accord Insurance Rates
The average annual insurance cost for a 2012 Honda Accord is $582. However, Kemper Auto Premier offers the cheapest rates, averaging $324 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $764 |
| 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 $506. However, Kemper Auto Premier offers the cheapest rates, averaging $308 per year.
| Insurance Provider | Average Annual Cost |
| Utica National Ins Group | $702 |
| Kemper Auto Premier | $308 |
| Dairyland Broadform | $347 |
| Commerce Group Inc | $733 |
| NatGen Custom 360 | $441 |
2010 Honda Accord Insurance Rates
The average annual insurance cost for a 2010 Honda Accord is $367. However, Kemper Auto Premium offers the cheapest rates, averaging $271 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $335 |
| Kemper Auto Premier | $283 |
| Dairyland Broadform | $520 |
| Mercury Insurance | $314 |
| Kemper Auto Premium | $271 |
| Nationwide ThreeSixZero | $609 |
| American National P&C | $305 |
| AssuranceAmerica Mobile Max | $299 |
Find Affordable Honda Accord Insurance Rates
Are Honda Accords Expensive To Insure?
Honda Accords are generally considered mid-range in terms of insurance costs. Their affordability and reliability make them popular, which can lead to competitive insurance rates. However, factors like the driver’s age, location, driving history, and the specific model year can influence insurance premiums. Overall, insuring a Honda Accord is typically more affordable than luxury or high-performance vehicles, but it may be more expensive than smaller, less powerful cars. The average annual insurance cost for a 2025 Honda Accord is around $2,203, which is reasonable compared to other vehicles in its class.
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 |
Seeing the average cost is helpful, but it doesn’t tell you what your own policy actually protects. Curious what’s really in yours? Upload it to PolicyOwl and get a clear, plain-English breakdown in minutes.
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 | $2,350 | $3,335 | $4,283 |
| Alaska | $1,794 | $2,555 | $2,441 |
| Arizona | $2,129 | $3,052 | $4,525 |
| Arkansas | $2,348 | $3,641 | $3,966 |
| California | $2,640 | $4,643 | $2,685 |
| Colorado | $2,419 | $3,375 | $4,357 |
| Connecticut | $3,121 | $4,814 | $6,192 |
| Delaware | $2,585 | $3,414 | $4,355 |
| Florida | $3,028 | $4,181 | $5,457 |
| Hawaii | $1,054 | $1,339 | $1,058 |
| Idaho | $1,766 | $2,313 | $2,734 |
| Illinois | $1,767 | $2,736 | $3,175 |
| Indiana | $1,839 | $2,826 | $3,166 |
| Iowa | $1,450 | $2,072 | $2,342 |
| Kansas | $2,004 | $2,933 | $3,455 |
| Kentucky | $2,871 | $4,208 | $4,941 |
| Louisiana | $3,595 | $5,472 | $5,966 |
| Maine | $1,404 | $1,956 | $2,824 |
| Maryland | $2,268 | $3,192 | $3,656 |
| Massachusetts | $1,781 | $3,130 | $1,742 |
| Michigan | $4,381 | $6,660 | $10,434 |
| Minnesota | $1,740 | $2,379 | $3,327 |
| Mississippi | $2,165 | $3,068 | $3,082 |
| Missouri | $2,025 | $2,920 | $3,822 |
| Montana | $2,126 | $2,915 | $3,388 |
| Nebraska | $1,723 | $2,623 | $2,800 |
| Nevada | $2,891 | $4,285 | $4,609 |
| New Hampshire | $2,083 | $3,221 | $4,058 |
| New Jersey | $2,246 | $3,504 | $4,582 |
| New Mexico | $2,237 | $3,308 | $3,372 |
| New York | $2,015 | $2,547 | $4,260 |
| North Carolina | $1,257 | $2,210 | $1,582 |
| North Dakota | $1,780 | $2,673 | $3,234 |
| Ohio | $1,594 | $2,447 | $2,477 |
| Oklahoma | $2,491 | $3,591 | $4,097 |
| Oregon | $2,254 | $3,063 | $3,606 |
| Pennsylvania | $1,964 | $2,834 | $3,355 |
| Rhode Island | $3,184 | $4,702 | $5,245 |
| South Carolina | $2,145 | $3,023 | $4,209 |
| South Dakota | $1,914 | $2,762 | $3,230 |
| Tennessee | $2,307 | $3,412 | $4,471 |
| Texas | $2,255 | $3,351 | $4,124 |
| Utah | $2,002 | $2,703 | $3,802 |
| Vermont | $1,492 | $2,223 | $2,361 |
| Virginia | $1,473 | $2,153 | $2,139 |
| Washington | $1,957 | $2,598 | $3,132 |
| West Virginia | $1,983 | $2,749 | $3,497 |
| Wisconsin | $1,864 | $2,907 | $3,383 |
| Wyoming | $1,802 | $2,499 | $2,671 |
| Georgia | $2,545 | $3,781 | $3,789 |
Find Affordable Honda Accord Insurance Rates
Cheapest Car Insurance Companies For A Honda Accord
The table presents the top 5 cheapest car insurance companies for a Honda Accord, with adjusted annual costs. Nationwide offers competitive rates, with an adjusted annual cost of $1,950. Erie is known for its customer service and provides an adjusted annual cost of $1,920. Auto Owners has a slightly higher rate, with an adjusted annual cost of $2,350. USAA, exclusive to military members and their families, offers an adjusted cost of $1,800. Travelers provides an adjusted annual cost of $1,900.
| Company | Average Yearly Rate |
| Nationwide | $1,950 |
| Erie | $1,920 |
| Auto Owners | $2,350 |
| USAA | $1,800 |
| Travelers | $1,900 |
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.
Compare Honda Accord To Other Honda Models
Looking for other Honda model insurance costs?
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.
Quotes Analyzed
Brands Reviewed
Research Hours
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.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.