Honda Accord drivers pay around $85 monthly for minimum coverage and $165 per month for full coverage. Depending on your particular trim and model year, costs can range from $64 for a 2009 Honda Accord to $254 monthly for a 2004 Honda Accord.
Honda Accord Insurance Cost
Updated: September 25, 2025
Key Takeaways
Honda Accord insurance costs vary widely, ranging from $89 to $254 monthly depending on your specific trim level and model year.
The Honda Accord ranks 244th out of 827 vehicle models for insurance affordability in the United States vehicle market from 2000-2025.
GEICO provides the most affordable Honda Accord coverage at $125 monthly for full protection while minimum coverage starts at just $58 per month.
How Much Is Honda Accord Insurance?
| Honda Accord | $85 | $165 |
Honda Accord Insurance Cost by Model Year
Your Honda Accord's model year and available trim options directly impact insurance rates, with newer models generally costing more due to higher fair value. Monthly insurance costs for Honda Accord models range from $70 to $245, depending on the year.
| 2025 | $112 | $217 |
| 2024 | $108 | $210 |
| 2023 | $97 | $188 |
| 2022 | $90 | $175 |
| 2021 | $85 | $165 |
| 2020 | $85 | $164 |
| 2019 | $86 | $167 |
| 2018 | $86 | $166 |
| 2017 | $82 | $159 |
| 2016 | $79 | $152 |
| 2015 | $80 | $154 |
| 2014 | $80 | $154 |
| 2013 | $76 | $148 |
| 2012 | $77 | $148 |
| 2011 | $71 | $138 |
| 2010 | $78 | $150 |
| 2009 | $80 | $153 |
| 2008 | $79 | $152 |
| 2007 | $73 | $141 |
| 2006 | $72 | $139 |
| 2005 | $70 | $135 |
| 2004 | $127 | $245 |
| 2003 | $123 | $235 |
| 2002 | $101 | $194 |
| 2001 | $80 | $154 |
| 2000 | $72 | $139 |
Honda Accord Insurance Cost by Trim
Your Honda Accord's trim level impacts insurance costs based on features, market value and desirability. Monthly rates vary widely across trim options, ranging from $70 for basic models to $246 for premium versions according to our analysis.
| Hybrid Sedan 4d | $70 | $135 |
| Lx Special Edition Coupe 2d | $76 | $146 |
| Lx-S Coupe 2d | $77 | $148 |
| Lx-P Sedan 4d | $78 | $150 |
| Vp Sedan 4d | $78 | $151 |
| Lx W/Honda Sensing Sedan 4d | $79 | $152 |
| Se Sedan 4d | $79 | $151 |
| Sedan 4d | $80 | $155 |
| Ex-L W/Navigation Sedan 4d | $81 | $157 |
| Lx-S W/Honda Sensing Coupe 2d | $82 | $157 |
| Lx Sedan 4d | $82 | $157 |
| Plug-In Hybrid Sedan 4d | $83 | $160 |
| Touring Coupe 2d | $84 | $162 |
| Ex Coupe 2d | $84 | $161 |
| Sport Sedan 4d | $84 | $163 |
| Ex-L Sedan 4d | $84 | $163 |
| Ex Sedan 4d | $84 | $163 |
| Ex-L Coupe 2d | $84 | $163 |
| Sport Special Edition Sedan 4d | $85 | $164 |
| Sport W/Honda Sensing Sedan 4d | $85 | $165 |
| Ex W/Honda Sensing Sedan 4d | $85 | $165 |
| Sport Se Sedan 4d | $87 | $168 |
| Ex-L W/Navigation & Honda Sensing Coupe 2d | $87 | $168 |
| Ex W/Honda Sensing Coupe 2d | $88 | $170 |
| Touring Sedan 4d | $89 | $173 |
| Lx Coupe 2d | $91 | $175 |
| Se Coupe 2d | $93 | $178 |
| Ex-L W/Navigation & Honda Sensing Sedan 4d | $93 | $179 |
| Dx Sedan 4d | $93 | $179 |
| Lx | $93 | $181 |
| Ex | $98 | $190 |
| Se | $102 | $199 |
| Sport-L Sedan 4d | $102 | $199 |
| Sport | $110 | $213 |
| Ex-L | $114 | $222 |
| Sport-L | $116 | $225 |
| Touring | $127 | $246 |
Compare Personalized Honda Accord Insurance Costs
We broke down Honda Accord insurance costs by model year and trim to personalize rates.
Data filtered by:
2000
Dx Sedan 4d
| Dx Sedan 4d | $65 | $126 |
Honda Accord Insurance Cost by Company
Honda Accord insurance costs vary by provider from $91 to $206 monthly. Minimum coverage ranges from $58 (GEICO) to $149 (UAIC), while full coverage costs $125 (GEICO) to $292 (AIG). Rates vary due to different risk assessment models.
| AAA | $95 | $196 |
| AIG | $120 | $292 |
| Allstate | $111 | $215 |
| Amica | $108 | $221 |
| Chubb | $111 | $219 |
| Farmers | $121 | $213 |
| GEICO | $58 | $125 |
| Kemper | $81 | $165 |
| Nationwide | $98 | $169 |
| Progressive | $86 | $160 |
| State Farm | $80 | $167 |
| The Hartford | $92 | $156 |
| Travelers | $76 | $139 |
| UAIC | $149 | $186 |
Honda Accord Insurance Cost by State
Honda Accord car insurance costs vary dramatically by state, from $31 monthly in Wyoming to $170 in Louisiana for minimum coverage.
| Alabama | $70 | $132 |
| Alaska | $61 | $129 |
| Arizona | $100 | $187 |
| Arkansas | $67 | $150 |
| California | $81 | $164 |
| Colorado | $79 | $189 |
| Connecticut | $119 | $204 |
| Delaware | $122 | $205 |
| Florida | $112 | $259 |
| Georgia | $127 | $208 |
| Hawaii | $45 | $101 |
| Idaho | $46 | $93 |
| Illinois | $76 | $142 |
| Indiana | $54 | $106 |
| Iowa | $45 | $110 |
| Kansas | $60 | $139 |
| Kentucky | $106 | $179 |
| Louisiana | $170 | $365 |
| Maine | $43 | $89 |
| Maryland | $132 | $223 |
| Massachusetts | $87 | $183 |
| Michigan | $130 | $250 |
| Minnesota | $69 | $143 |
| Mississippi | $72 | $143 |
| Missouri | $96 | $190 |
| Montana | $57 | $135 |
| Nebraska | $60 | $138 |
| Nevada | $152 | $274 |
| New Hampshire | $59 | $104 |
| New Jersey | $141 | $232 |
| New Mexico | $68 | $153 |
| New York | $103 | $185 |
| North Carolina | $69 | $136 |
| North Dakota | $49 | $106 |
| Ohio | $63 | $122 |
| Oklahoma | $76 | $170 |
| Oregon | $105 | $183 |
| Pennsylvania | $71 | $166 |
| Rhode Island | $105 | $187 |
| South Carolina | $86 | $161 |
| South Dakota | $43 | $132 |
| Tennessee | $65 | $132 |
| Texas | $107 | $219 |
| Utah | $91 | $155 |
| Vermont | $37 | $88 |
| Virginia | $80 | $130 |
| Washington | $78 | $144 |
| West Virginia | $72 | $146 |
| Wisconsin | $54 | $118 |
| Wyoming | $31 | $95 |
Honda Accord Insurance Cost by Driver Profile
Your driving profile impacts Honda Accord insurance costs. Monthly premiums can reach $316 if you're a young driver under 25, even with a clean record. Adult drivers between 26-64 with no violations pay as little as $125 monthly, making age and driving history the biggest pricing factors.
| Adult Drivers | $85 | $165 |
| Young Drivers | $217 | $415 |
| Senior Drivers | $114 | $208 |
| Drivers With a Speeding Ticket | $106 | $207 |
| Drivers With an Accident | $126 | $241 |
| Drivers With a DUI | $157 | $299 |
| Drivers With Bad Credit | $202 | $406 |
Is a Honda Accord Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Honda Accord ranks 244th out of 827, making it less expensive than the average. Among mid-sized sedans, the model ranks fifth out of six.
| Saturn S-Series | $51 | $99 |
| Dodge Stratus | $53 | $102 |
| Pontiac Grand Prix | $70 | $134 |
| Chevrolet Monte Carlo | $70 | $135 |
| Honda Accord | $84 | $161 |
| Pontiac GTO | $90 | $175 |
Factors That Affect Honda Car Insurance Costs
Several factors influence your Honda Accord insurance costs:
- Age (35 to 54 primary, strong millennial appeal): Mature family-oriented drivers receive better rates than young performance car buyers.
- Gender (53% female, 58% of potential buyers): Female-majority ownership correlates with lower risk driving behaviors.
- Income (broad range, value-conscious): Middle-class buyers with stable finances qualify for better rates and payment options.
- Usage patterns: Primary family transportation with high annual mileage but conservative driving style, reducing collision risk despite higher exposure.
Average Repair or Replacement Costs
Honda ranks third in repair affordability among 59 U.S. automakers with median annual costs of $542. Honda Accord repair costs average $607 annually, making it one of Honda's most affordable models as well.
Vehicle Trim, Features and Accessories
The Honda Accord's moderate performance capabilities (192 horsepower turbo 1.5L or 204 horsepower hybrid, 0 to 60 mph in 6.5 to 7.3 seconds) help keep insurance premiums reasonable compared to performance-oriented sedans.
Higher trim levels like EX-L Hybrid and Touring feature advanced safety technology and premium materials, but maintain the Accord's reputation for reliability and lower theft risk, resulting in manageable insurance costs despite added features.
Fuel Type
Honda Accord uses regular unleaded gasoline across all models. Both the turbocharged 1.5L four-cylinder and 2.0L hybrid engines require only 87-octane regular gasoline, though Honda recommends fuel containing 0 to 10% ethanol. Higher octane fuel (91+) provides minimal benefit and isn't required. The hybrid model uses the same regular gasoline as conventional models.
All Honda service centers and independent shops can work on Accord engines easily. Parts are widely available and affordable, with Honda's extensive dealer network providing consistent repair costs nationwide. Insurance companies recognize Honda's reliability reputation.
Location
Honda Accord owners are distributed nationwide with strong concentrations in suburban and family-oriented communities. The Accord consistently ranks as one of America's best-selling sedans with over 13 million sold since 1976.
Production moved from Marysville, Ohio, to Greensburg, Indiana, in 2023 for EV preparation, but parts availability remains excellent nationwide. Regional insurance rates vary based on local factors.
Driver Profile
Most Honda Accord drivers are aged 35 to 54 (47% of current drivers are 55+) and have stable incomes and family responsibilities. The Accord leads industry sales to millennials and under-35 buyers, appealing to practical, value-conscious consumers seeking reliability over performance.
Driver demographics affecting Accord insurance rates:
Cheapest Honda Accord Insurance Companies
GEICO offers the most affordable Accord insurance coverage across both policy types. For full coverage car insurance on an Accord, GEICO provides the cheapest rates at $125 monthly. Drivers seeking basic minimum coverage can also turn to GEICO for the lowest premiums at $58 per month.
| GEICO | $58 | $125 |
| Travelers | $76 | $139 |
| Kemper | $81 | $165 |
| Progressive | $86 | $160 |
| State Farm | $80 | $167 |
Cheapest Honda Accord Insurance by State
We found that the following are the top three cheapest car insurance providers in the state for a Honda Accord:
- GEICO: Wins for affordability in 17 states
- Auto-Owners: Wins for affordability in seven states
- State Farm: Wins for affordability in six states
Filter below to see who offers the most affordable auto insurance rates for your Honda Accord.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $37 |
How to Get the Best Cheap Honda Accord Insurance
Here's how to find the cheapest Honda Accord car insurance:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Honda's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Honda Accord, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Honda Accord owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): The Honda Accord was among the 25 best-selling cars in the U.S., making it popular with families who often own multiple vehicles. Accord owners' practical approach to vehicle ownership (choosing reliable, affordable midsize sedans) typically means qualifying for multi-car discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With full coverage averaging $1,366 per year ($321 less than the national average), Accord owners often represent established households who can bundle auto and homeowners insurance for substantial savings from major carriers, with discounts reaching up to 25%.
- Good Driver/Safe Driver Discount (5% to 30% savings): Accord buyers represent a mature, responsible demographic with clean driving records that qualify them for the largest available discounts. Since this is the biggest discount you can get, maintaining an accident-free record is essential for keeping rates low.
- Safety Features Discount (5% to 23% savings): The Honda Accord has a 5-star NHTSA safety rating and includes standard Honda Sensing safety features like stability control, airbags, antilock brakes, lane-keeping assist, and lane-departure warning. These advanced safety technologies help you avoid crashes and earn discounts on medical-related coverage.
- Good Student Discount (10% to 15% savings): The Accord's combination of reliability, safety, and reasonable pricing makes it extremely popular with college students and young adults. Students maintaining a "B" average or better can qualify for substantial discounts that often last until age 25, helping offset higher rates for younger drivers.
- 5Consider alternative car insurance types
Honda Accord owners should consider Honda Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like GEICO DriveEasy that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources help you save on your Honda Accord insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Honda Accord Insurance Cost: Bottom Line
Insuring a Honda Accord costs less than average, so it's not too hard to find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Honda Accord Insurance Rates: FAQ
Here are answers to common questions about insuring a Honda Accord.
What is the average cost of car insurance for a Honda Accord?
The Honda Accord's average annual insurance is $1,023 for state minimum coverage and $1,976 for full coverage.
What company has the cheapest car insurance for a Honda Accord?
GEICO offers the most affordable Accord insurance coverage across both policy types with annual rates of $1,500 for full coverage car insurance and $696 for minimum coverage.
Are Honda Accords expensive to insure?
No, Honda Accord insurance costs less than most cars. Out of 827 vehicles we track, the Accord ranks 244th for affordability. Among midsize coups however, this model sits at 5th out of 6.
What factors affect insurance costs for Honda Accords?
Several things drive up your Honda Accord rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft and higher weather risks can raise your premiums.
How can I lower Honda Accord insurance costs?
Shop around with multiple insurers as rates vary for Hondas, and consider usage-based insurance programs that track your driving habits. Take advantage of Honda Accord's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Honda Accord Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Honda Accord insurance costs.
Who We Based These Rates On
These Honda Accord prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.