Estimates, not quotes

Toyota Camry vs Honda Accord Insurance Cost

The Honda Accord is cheaper to insure by about $55 a year for full coverage by our estimate ($1,735 vs. $1,680), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageToyota CamryHonda AccordDifference
State minimum$670$690−$20
Standard (100/300/100)$975$1,005−$30
Full coverage$1,735$1,680+$55

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Camry minus Accord.

Why one costs more to insure

FactorToyota CamryHonda Accord
SegmentMidsize carMidsize car
PowertrainsGasoline, HybridGasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)119109
HLDI comprehensive10782
HLDI property damage liability104106
HLDI bodily injury liability129138
NHTSA overall rating5★5★
NICB most-stolen rank#8#2
Recalls (latest 3 model years)75

Collision losses are the biggest swing factor: the Toyota Camry has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Honda Accord.

Camry vs Accord insurance by state

StateCamryAccordDifference
Alabama$1,515$1,450+$65
Alaska$1,520$1,470+$50
Arizona$1,820$1,760+$60
Arkansas$1,535$1,455+$80
California$1,705$1,650+$55
Colorado$1,970$1,880+$90
Connecticut$1,845$1,800+$45
Delaware$1,935$1,900+$35
District of Columbia$2,190$2,115+$75
Florida$2,470$2,440+$30
Georgia$2,145$2,100+$45
Hawaii$1,200$1,160+$40
Idaho$1,180$1,135+$45
Illinois$1,505$1,450+$55
Indiana$1,235$1,185+$50
Iowa$1,180$1,110+$70
Kansas$1,390$1,310+$80
Kentucky$1,460$1,410+$50
Louisiana$2,400$2,325+$75
Maine$1,105$1,065+$40
Maryland$1,945$1,895+$50
Massachusetts$1,705$1,655+$50
Michigan$1,890$1,830+$60
Minnesota$1,450$1,380+$70
Mississippi$1,660$1,585+$75
Missouri$1,575$1,505+$70
Montana$1,390$1,305+$85
Nebraska$1,390$1,315+$75
Nevada$1,990$1,965+$25
New Hampshire$1,235$1,190+$45
New Jersey$2,085$2,055+$30
New Mexico$1,560$1,495+$65
New York$2,325$2,275+$50
North Carolina$1,295$1,235+$60
North Dakota$1,115$1,040+$75
Ohio$1,240$1,195+$45
Oklahoma$1,565$1,485+$80
Oregon$1,555$1,525+$30
Pennsylvania$1,515$1,455+$60
Rhode Island$2,095$2,050+$45
South Carolina$1,855$1,805+$50
South Dakota$1,330$1,225+$105
Tennessee$1,445$1,385+$60
Texas$2,060$1,965+$95
Utah$1,575$1,540+$35
Vermont$1,130$1,075+$55
Virginia$1,495$1,445+$50
Washington$1,510$1,475+$35
West Virginia$1,450$1,380+$70
Wisconsin$1,190$1,130+$60
Wyoming$1,360$1,255+$105

By driver profile (full coverage)

DriverCamryAccord
Teen driver (18, own policy)$4,775$4,620
Young adult (22)$2,780$2,690
Adult in their 30s$1,735$1,680
Adult in their 50s$1,595$1,545
Senior (72)$1,945$1,880
30s, one at-fault accident$2,520$2,435
30s, DUI on record$3,210$3,105

More comparisons

Frequently asked questions

Is the Toyota Camry or the Honda Accord cheaper to insure?

By our estimate the Honda Accord is cheaper, by about $55 a year for full coverage ($1,735 vs. $1,680) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Camry and Honda Accord?

Mostly because of insurance-loss history: HLDI collision indices of 119 vs. 109 and comprehensive indices of 107 vs. 82 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page