Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Honda Accord insurance rates

Average insurance cost for your sensible Accord? $176. But shop to drop it even lower.

Get the cheapest quotes for your car

Compare providers in your area.

Your information is secure

We pulled car insurance quotes from top insurance companies to find that the average monthly cost to insure a Honda Accord is $175.64 — or $2,107.65 a year. However, your actual costs depend on your driving history, vehicle model, residential location and other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Honda Accord$102.90$91.74$161.05$176.03$132.93
2016 Honda Accord$131.08$104.47$185.43$167.58$147.14
2021 Honda Accord$117.07$122.76$217.14$245.58$175.64

How we got these rates

Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
1 - 3 of 3
Product USFCI Gap insurance Homeowner discount Telematics Has an app? Available states
Varies by provider
Depends on provider
Varies by provider
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
GoodRatesFinder
GoodRatesFinder logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
Compare Between Top Carriers And Start Saving.
Go to site
AutoQuoteCenter
AutoQuoteCenter logo
Depends on provider
Depends on provider
Depends on provider
Depends on provider
All 50 states & DC
The AutoQuoteCenter platform makes sure you are presented with the top options in one place.
Go to site
loading

Get the cheapest quotes for your car

Compare providers in your area.

Your information is secure

What factors affect car insurance rates for Honda Accord?

Your location and driving history can both affect your chances of getting into an accident. However, the vehicle you drive has a much larger impact, because performance, safety features, theft rates and other details can vary depending on your make and model.

And since providers consider your risk and cost of filing claims when calculating your premiums, your choice of vehicle can directly affect your rates. Here’s how:

  • Body type. The Accord is a four-door sedan, best suited for families or other light use. This may be part of the reason why coverage is affordable.
  • Type of car. The Accord is a midsize sedan that starts at just over $20,000. It should be cheaper to insure than luxury or performance vehicles.
  • Theft. The Honda Accord is one of the most stolen vehicles in the US, which could increase the cost of insurance.
  • Repairs. Parts and service for the Honda Accord should be readily available, which will likely lead to lower insurance premiums.
  • Safety ratings. The Accord has incredible safety ratings and features that could make for cheaper auto insurance.
  • Fuel type. The gas version of the Honda Accord should be cheaper to insure than the Hybrid version, mostly due to the lower cost of repairs.
  • Trim & packages. There are a number of safety and driver assistance options available on the Honda Accord. Adding them could help reduce the cost of insurance.

    How to compare insurance for the Honda Accord

    Since the Accord is a popular model with impressive safety ratings, finding coverage should be no problem. Knowing what to look for can make shopping for insurance easier and can save you money if you play your cards right.

    • Price. Coverage can vary between providers, making it hard to compare by price. Use the same driver and vehicle details when getting quotes in order to accurately compare your options.
    • Deductible. Higher deductibles often make for lower premiums, whereas lower deductibles will drive up the price. Choose an amount that fits your financial situation.
    • Minimum coverage. Every state has different coverage requirements. Be sure that any potential policy meets your state minimums before committing.
    • Additional coverage. Personal injury protection and medical payments coverage are two of many ways you can improve your policy. Be sure to include any additional coverage options when getting quotes from providers.
    • Extras. Features like roadside assistance and accident forgiveness may be included in your policy. If not, find out how much you’ll have to pay for extras and whether they’re worth the cost.
    • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
    • Manufacturer offer or loyalty discount. Ask your dealership if you are eligible for any manufacturer offers or loyalty discounts and you may be able to save on auto insurance.
    • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

    Does the Honda Accord qualify for auto insurance discounts?

    The Accord comes equipped with safety and driver assistance features that could prevent accidents or lessen damage. While some features may be eligible for auto insurance discounts, you could reduce your rates further by adding features that improve visibility or safety.

    • Anti-lock brake discount
    • Anti-theft discount
    • Passive restraint discount (airbags, motorized seat belts, etc.)
    • Emergency roadside assistance discount

    Honda Accord safety & reliability ratings

    According to U.S. News and J.D. Power, the 2018 Honda Accord holds a perfect 10/10 score for safety. This is backed by the highest possible scores in every category from the NHTSA and the 2018 IIHS Top safety pick.

    U.S. News and J.D. Power give the 2018 Honda Accord a 4/5 star rating for reliability, which is better than most vehicles in its class.

    The Honda Accord has been around since 1976, but has been one of the best selling cars in America since 1989. In 2016, there were over 345,000 Honda Accords sold in the United States. The 2017 model was awarded Top Safety Pick+ by the Insurance Institute of Highway Safety and given a 5-Star Overall Rating from the National Highway Safety Administration.

    Honda Accord maintenance

    The Accord is designed to provide a comfortable and convenient driving experience, which means that it requires little maintenance to keep it on the road. But like most vehicles, routine service appointments to change the oil and inspect parts can help extend its life and ensure it drives smoothly.

    • Honda doesn’t have a recommended oil change schedule for the Accord. In fact, all newer vehicles come equipped with the Maintenance Minder system that tells you when oil and other parts need to be replaced.
    • An oil change for the Accord should only cost about $75-$125, but your cost may vary depending on where you have it serviced. As a rule of thumb, dealerships usually cost more than independent repair shops.
    • Speak with your Honda dealer or consult your owner’s manual to find out more details on the Honda Accord maintenance schedule.

    Is an extended warranty worth it for the Honda Accord?

    All new Honda vehicles come equipped with a standard 3-year/36,000-mile Limited Vehicle Warranty, plus the 5-year/60,000-mile Powertrain Limited Warranty. Genuine Honda accessories are also covered for 3 years or 36,000 miles if they are installed when the new vehicle is purchased. The Accord also comes with a 5-year/Unlimited-miles corrosion warranty and 24/7 emergency roadside assistance.

    Honda also offers a few Vehicle Service Contracts, which are essentially extended warranties. They cover components, powertrains and a number of benefits like rental car reimbursement, 24/7 concierge emergency services and more. While the Accord is generally considered a reliable vehicle, these service plans can protect your car once the initial warranty expires.

    Compare Honda competitors

    Find out what other models Honda has to offer or explore entirely different manufacturers for vehicles similar to the Accord.

    Bottom line

    The Honda Accord is a popular midsize sedan that provides a smooth, comfortable drive. It requires little maintenance and comes equipped with a suite of great safety and driver assistance features that add to its appeal.

    The Accord is a fairly low-risk vehicle that would hold up well in an accident, which could be part of the reason why coverage is affordable. That said, you might be able to reduce the cost of coverage even further by comparing your options to find auto insurance discounts and prices from some of the top providers.

    Peter Carleton's headshot
    Written by

    Writer

    Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

    More guides on Finder

    Ask a question

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
    Go to site