Honda Accord Insurance Cost

Full coverage for a Honda Accord costs about $1,680 a year ($140/month) by our estimate — ▲ +6% versus the average vehicle, ranking 174th cheapest of 310 current models.

Honda Accord exterior (photo from Wikimedia Commons) — Photo: MercurySable99, CC BY-SA 4.0

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

Honda Accord insurance cost at a glance

Full coverage

$1,680

$140/mo · $1,375–$1,980

Minimum liability

$690

$58/mo

Segment

Midsize car

Gasoline, Hybrid, Plug-in hybrid

HLDI collision losses

109

Worse than average (100 = avg)

NHTSA overall

★★★★★

2026 model year

NICB most stolen

national list

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Honda Accord.

Estimated Honda Accord premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$690	$58	$570–$815
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$1,005	$84	$825–$1,185
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,680	$140	$1,375–$1,980

What drives the cost of insuring a Honda Accord

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Honda Accord's results put our vehicle factor at 1.13× for liability, 1.08× for collision and 0.88× for comprehensive.

HLDI relative insurance losses — Honda Accord (Midsize Four-door cars)
Coverage	Index	Rating	What it measures
Collision	109	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	82	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	106	Worse than average	Damage this car does to other vehicles and property
Bodily injury liability	138	Much worse than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	171	Much worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	162	Much worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Honda Accord	109	82	106	138
Honda Accord hybrid	124	117	99	124

Repair and parts costs: Midsize car — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Theft: #2 on the NICB national most-stolen list, which raises comprehensive premiums.
Recalls & complaints: 5 NHTSA recall campaigns and 330 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Honda Accord trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Accord	FWD	1.5L 4-cyl Turbo	32
Accord Hybrid	FWD	2.0L 4-cyl Hybrid	48
Accord Hybrid Sport/Touring	FWD	2.0L 4-cyl Hybrid	44
Accord SE	FWD	1.5L 4-cyl Turbo	31

Honda Accord insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	FWD	31–48	$1,680
2025	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	FWD	32–48	$1,650
2024	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	FWD	32–48	$1,615
2023	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid	FWD	32–48	$1,585
2022	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo	FWD	26–47	$1,550
2021	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo	FWD	26–48	$1,520
2020	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo	FWD	26–48	$1,490
2019	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo	FWD	26–48	$1,455
2018	1.5L 4-cyl Turbo, 2.0L 4-cyl Hybrid, 2.0L 4-cyl Turbo	FWD	26–47	$1,425
2017	2.0L 4-cyl Hybrid, 2.4L 4-cyl, 3.5L 6-cyl	FWD	21–48	$1,395
2016	2.4L 4-cyl, 3.5L 6-cyl	FWD	21–30	$1,360
2015	2.0L 4-cyl Hybrid, 2.4L 4-cyl, 3.5L 6-cyl	FWD	21–47	$1,360
2014	2.0L 4-cyl Hybrid, 2.0L 4-cyl Plug-in Hybrid, 2.4L 4-cyl	FWD	21–47	$1,360
2013	2.4L 4-cyl, 3.5L 6-cyl	FWD	21–30	$1,360
2012	2.4L 4-cyl, 3.5L 6-cyl	FWD	21–27	$1,360
2011	2.4L 4-cyl, 3.5L 6-cyl	FWD	21–26	$1,360
2010	2.4L 4-cyl, 3.5L 6-cyl	FWD	20–25	$1,360
2009	2.4L 4-cyl, 3.5L 6-cyl	FWD	20–25	$1,360
2008	2.4L 4-cyl, 3.5L 6-cyl	FWD	20–25	$1,360
2007	2.4L 4-cyl, 3.0L 6-cyl, 3.0L 6-cyl Hybrid	FWD	21–27	$1,360

Honda Accord insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Accord page for that state.

State	Full coverage	Minimum	vs. national	Accord page
Alabama	$1,450	$540	−14%	Accord in AL
Alaska	$1,470	$705	−13%	Accord in AK
Arizona	$1,760	$745	+5%	Accord in AZ
Arkansas	$1,455	$505	−13%	Accord in AR
California	$1,650	$645	−2%	Accord in CA
Colorado	$1,880	$735	+12%	Accord in CO
Connecticut	$1,800	$800	+7%	Accord in CT
Delaware	$1,900	$905	+13%	Accord in DE
District of Columbia	$2,115	$835	+26%	Accord in DC
Florida	$2,440	$1,215	+45%	Accord in FL
Georgia	$2,100	$985	+25%	Accord in GA
Hawaii	$1,160	$490	−31%	Accord in HI
Idaho	$1,135	$455	−32%	Accord in ID
Illinois	$1,450	$560	−14%	Accord in IL
Indiana	$1,185	$455	−29%	Accord in IN
Iowa	$1,110	$350	−34%	Accord in IA
Kansas	$1,310	$455	−22%	Accord in KS
Kentucky	$1,410	$595	−16%	Accord in KY
Louisiana	$2,325	$890	+38%	Accord in LA
Maine	$1,065	$480	−37%	Accord in ME
Maryland	$1,895	$850	+13%	Accord in MD
Massachusetts	$1,655	$665	−1%	Accord in MA
Michigan	$1,830	$865	+9%	Accord in MI
Minnesota	$1,380	$530	−18%	Accord in MN
Mississippi	$1,585	$600	−6%	Accord in MS
Missouri	$1,505	$575	−10%	Accord in MO
Montana	$1,305	$445	−22%	Accord in MT
Nebraska	$1,315	$455	−22%	Accord in NE
Nevada	$1,965	$975	+17%	Accord in NV
New Hampshire	$1,190	$455	−29%	Accord in NH
New Jersey	$2,055	$1,055	+22%	Accord in NJ
New Mexico	$1,495	$585	−11%	Accord in NM
New York	$2,275	$1,050	+35%	Accord in NY
North Carolina	$1,235	$505	−26%	Accord in NC
North Dakota	$1,040	$310	−38%	Accord in ND
Ohio	$1,195	$455	−29%	Accord in OH
Oklahoma	$1,485	$530	−12%	Accord in OK
Oregon	$1,525	$705	−9%	Accord in OR
Pennsylvania	$1,455	$480	−13%	Accord in PA
Rhode Island	$2,050	$925	+22%	Accord in RI
South Carolina	$1,805	$825	+7%	Accord in SC
South Dakota	$1,225	$355	−27%	Accord in SD
Tennessee	$1,385	$510	−18%	Accord in TN
Texas	$1,965	$780	+17%	Accord in TX
Utah	$1,540	$735	−8%	Accord in UT
Vermont	$1,075	$360	−36%	Accord in VT
Virginia	$1,445	$705	−14%	Accord in VA
Washington	$1,475	$665	−12%	Accord in WA
West Virginia	$1,380	$490	−18%	Accord in WV
Wisconsin	$1,130	$420	−33%	Accord in WI
Wyoming	$1,255	$365	−25%	Accord in WY

Honda Accord insurance by driver profile

Estimated annual Honda Accord premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,905	$2,760	$4,620	$385
Young adult (22)	$1,110	$1,605	$2,690	$224
Adult in their 30s	$690	$1,005	$1,680	$140
Adult in their 50s	$635	$925	$1,545	$129
Senior (72)	$775	$1,125	$1,880	$157
30s, one at-fault accident	$1,005	$1,455	$2,435	$203
30s, DUI on record	$1,280	$1,855	$3,105	$259

Honda Accord vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Honda Accord	$1,680	109	82	—
Tesla Model 3	$1,670	133	87	Compare
Toyota Camry	$1,735	119	107	Compare
Volkswagen Jetta	$1,695	103	83	Compare

Estimate Honda Accord insurance for your ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

—

Per month

—

Other Honda models

CR-V $1,200/yr
HR-V $1,465/yr
Odyssey $1,280/yr
Prelude $1,895/yr
Civic $1,790/yr
Passport $1,255/yr
Pilot $1,160/yr
Prologue $1,520/yr
Ridgeline $1,350/yr
Insight $1,395/yr
Clarity $1,410/yr
Fit $1,305/yr
CR-Z $1,450/yr
Crosstour $1,165/yr
Element $1,165/yr
S2000 $1,445/yr

All Honda insurance costs →

Frequently asked questions

How much is insurance for a Honda Accord?

We estimate about $1,680 a year ($140 a month) for full coverage and $690 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 6% more than the average vehicle.

Is the Honda Accord expensive to insure?

HLDI insurance-loss data rates it at 109 for collision and 82 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Honda Accord?

North Dakota has the lowest estimate (about $1,040 a year for full coverage) and Florida the highest (about $2,440).

What is the Honda Accord's NHTSA safety rating?

The 2026 Honda Accord earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Honda Accord a commonly stolen car?

Yes. It ranks #2 on the NICB national list of most-stolen vehicles, which raises the comprehensive portion of premiums.

Is the Honda Accord cheaper to insure than the Tesla Model 3?

By our estimate the Honda Accord costs about $1,680 a year versus $1,670 for the Tesla Model 3, making the Tesla Model 3 cheaper to insure.

How much is Honda Accord insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,620 a year at national-average rates by our estimate.

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