The annual full coverage insurance costs for a Honda Accord range from $999 to $5,972. Rates depend on the vehicle's year, driver's age, location, driving record, coverage level and insurer. This article details Honda Accord insurance costs and highlights the best and most affordable options.
Honda Accord Insurance Cost
Updated: March 17, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage across all Honda Accord model years, averaging $484 annually.
The average annual cost of insuring a Honda Accord is $610 for minimum coverage and $1,366 for full coverage.
MoneyGeek analyzed 4,183 Honda Accord insurance quotes using data from Quadrant Information Services.
Honda Accord Insurance Rates
What Is the Average Honda Accord Car Insurance Cost?
The average cost of full coverage for a Honda Accord is $114 per month, totaling $1,366 annually, based on a 40-year-old male with a clean driving record. Minimum coverage costs $51 monthly or $610 per year.
| Minimum Coverage | $610 |
| Full Coverage | $1,366 |
Honda Accord Insurance Costs by Company
Honda Accord insurance costs range from $1,032 to $1,905 per year, varying by age, model year and coverage level. The table below shows how Honda Accord insurance rates compare to averages for all vehicles from several national and mid-size providers.
| Allstate | $1,551 | $1,812 | -14% |
| Auto-Owners | $1,155 | $1,227 | -6% |
| Farmers | $1,731 | $1,956 | -12% |
| GEICO | $1,212 | $1,333 | -9% |
| Kemper | $1,905 | $2,213 | -14% |
| Nationwide | $1,455 | $1,589 | -8% |
| Progressive | $1,577 | $1,744 | -10% |
| State Farm | $1,129 | $1,270 | -11% |
| Travelers | $1,399 | $1,522 | -8% |
| USAA | $1,032 | $1,201 | -14% |
Read more: Best Car Insurance Companies
Cost of Insuring a Honda Accord by Model Year
The year your Honda Accord was made affects your insurance rates, with older vehicles often costing less to insure. For instance, a 2009 Accord has an annual full coverage rate of $1,177, while insuring a 2022 model costs $1,511. Below are the average full and minimum coverage rates for each Honda Accord production year.
| 2022 | $601 | $1,511 |
| 2021 | $600 | $1,495 |
| 2020 | $581 | $1,468 |
| 2019 | $610 | $1,446 |
| 2018 | $613 | $1,419 |
| 2017 | $598 | $1,398 |
| 2016 | $631 | $1,376 |
| 2015 | $637 | $1,354 |
| 2014 | $623 | $1,360 |
| 2013 | $658 | $1,365 |
| 2012 | $667 | $1,371 |
| 2011 | $627 | $1,307 |
| 2010 | $639 | $1,242 |
| 2009 | $623 | $1,177 |
Honda Accord Insurance Costs by Driver Age
Honda Accord insurance rates vary widely depending on the driver's age. For instance, 40-year-olds pay around $1,378 annually for full coverage, while 16-year-olds pay as high as $5,972. Below are the average full and minimum coverage rates for drivers across ages.
| 16 | $2,841 | $5,972 |
| 17 | $2,307 | $4,862 |
| 18 | $2,014 | $4,279 |
| 19 | $1,426 | $3,047 |
| 20 | $1,281 | $2,770 |
| 21 | $1,013 | $2,234 |
| 22 | $924 | $2,053 |
| 23 | $858 | $1,916 |
| 24 | $813 | $1,823 |
| 25 | $724 | $1,632 |
| 26 | $706 | $1,580 |
| 27 | $689 | $1,546 |
| 28 | $678 | $1,522 |
| 29 | $668 | $1,501 |
| 30 | $645 | $1,448 |
| 35 | $629 | $1,404 |
| 40 | $622 | $1,378 |
| 45 | $617 | $1,360 |
| 50 | $602 | $1,319 |
| 55 | $586 | $1,283 |
| 60 | $586 | $1,279 |
| 65 | $625 | $1,334 |
| 70 | $678 | $1,428 |
| 75 | $752 | $1,566 |
| 80 | $852 | $1,743 |
| 85 | $921 | $1,871 |
| 90 | $972 | $1,959 |
Honda Accord Insurance Rates Explained
Several factors influence your car insurance rates, including your driver profile and vehicle-related details. Insurers consider your vehicle's make, model, year, safety features and repair costs when determining premiums.
Honda Accord Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Honda Accord
Average Full Coverage Rate
$1,366Premiums for Honda Accord are:$70 more
This is 5% more expensive.
Value
The Honda Accord's MSRP is $39,985. This affects insurance costs, as lower-priced vehicles typically have lower premiums.
Repair costs
The Honda Accord’s annual repair cost is $400 — below the national average — which can help lower insurance premiums.
Performance
With 192 horsepower and a 0-to-60 time of 7.3 seconds, the Honda Accord isn’t classified as a high-performance vehicle, potentially resulting in lower insurance costs.
Vehicle age
Newer Honda Accord models typically cost more to insure than older ones. However, collector and classic vehicles can also be very expensive.
Safety features
The Honda Accord's safety features, including stability control, airbags and antilock brakes, can help qualify it for insurance discounts. Its 5-star NHTSA safety rating further enhances its appeal.
Vehicle size
Larger vehicles often have higher insurance costs. The Honda Accord's curb weight of 3,542 lbs may influence its insurance rates.
Trim level
Vehicles with higher trim levels often include premium upgrades, increasing their MSRP and insurance costs. For example, a higher-trim Honda Accord costs more to insure than the base model.
Theft rates
Vehicles with higher theft risk typically cost more to insure. For example, the Honda Accord, with an HDLI theft relative claims frequency of 306, may face higher insurance rates.
Cheapest Honda Accord Insurance
State Farm offers the lowest annual minimum coverage rate for Honda Accord insurance at $484, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest auto insurance options across coverage levels, age groups, driving records, model years and more.
Cheapest Honda Accord Insurance by Coverage Level
Choosing the right coverage level can greatly affect your Honda Accord insurance rate. State Farm provides the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Honda Accord Minimum Coverage
State Farm offers the cheapest minimum coverage for a Honda Accord at $40 monthly. GEICO, Travelers and Progressive provide competitive rates ranging from $42 to $56.
| USAA | $33 | $401 |
| State Farm | $40 | $484 |
| GEICO | $42 | $505 |
| Travelers | $52 | $623 |
| Progressive | $56 | $673 |
| Allstate | $58 | $697 |
| Nationwide | $58 | $701 |
| Farmers | $61 | $732 |
*State Farm offers non-military-affiliated Honda Accord owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Honda Accord Insurance Rates by Model Year
The above list doesn't consider your vehicle's production year, which can affect insurance rates. You might find lower rates depending on how old your Honda Accord is. To find the most affordable minimum coverage rates for each production year, filter the table below.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $707 | $59 |
| Farmers | $747 | $62 |
| GEICO | $547 | $46 |
| Nationwide | $660 | $55 |
| Progressive | $711 | $59 |
| State Farm | $465 | $39 |
| Travelers | $660 | $55 |
| USAA | $398 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Honda Accord Insurance
State Farm offers the cheapest full coverage insurance for a Honda Accord at $91 monthly or $1,096 annually. Below is the complete list of Honda Accord's full coverage providers and rates.
| USAA | $83 | $999 |
| State Farm | $91 | $1,096 |
| GEICO | $98 | $1,176 |
| Nationwide | $115 | $1,376 |
| Travelers | $115 | $1,383 |
| Allstate | $123 | $1,482 |
| Progressive | $126 | $1,506 |
| Farmers | $136 | $1,626 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Honda Accord owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Honda Accord Insurance by Age
Drivers aged 16 to 25 and 55 and older often face higher Honda Accord insurance rates. Below is a breakdown of the cheapest options by age.
Cheapest Honda Accord Insurance for Young Drivers
State Farm offers the cheapest car insurance for young drivers, starting at $88 per month or $1,053 annually for minimum coverage. Below is the complete list of affordable Honda Accord rates for drivers aged 16 to 25.
| USAA | $69 | $824 |
| State Farm | $88 | $1,053 |
| GEICO | $101 | $1,209 |
| Travelers | $108 | $1,293 |
| Allstate | $135 | $1,625 |
| Nationwide | $154 | $1,853 |
| Progressive | $155 | $1,861 |
| Farmers | $164 | $1,968 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Accord Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $532 annually or $44 monthly. See the full list of affordable Honda Accord insurers below.
| USAA | $44 | $531 |
| State Farm | $44 | $532 |
| GEICO | $50 | $604 |
| Travelers | $62 | $745 |
| Nationwide | $69 | $822 |
| Allstate | $71 | $855 |
| Progressive | $72 | $858 |
| Farmers | $82 | $981 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Honda Accord Insurance After an Accident
State Farm, GEICO and Travelers offer Honda Accord drivers the cheapest car insurance after an accident. For more options, see the complete list below.
| State Farm | $50 | $605 |
| USAA | $51 | $608 |
| GEICO | $66 | $795 |
| Travelers | $75 | $895 |
| Allstate | $80 | $955 |
| Nationwide | $91 | $1,087 |
| Progressive | $91 | $1,095 |
| Farmers | $122 | $1,459 |
Honda Accord Insurance Cost: Bottom Line
Compare rates across providers to secure affordable car insurance. This article reviews Honda Accord insurance costs, covering expenses by demographics and identifying the cheapest options.
Honda Accord Insurance Rates: FAQ
Below are frequently asked questions about Honda Accord insurance costs, helping you understand what to expect for minimum coverage and others.
What company has the cheapest car insurance for a Honda Accord?
State Farm offers the cheapest car insurance for a Honda Accord, with an annual minimum coverage rate of $484.
What is the average cost of car insurance for a Honda Accord?
The average annual auto insurance cost for a Honda Accord is $610 for minimum coverage and $1,366 for full coverage.
Honda Accord Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Honda Accord insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Honda Accord:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Honda Accord insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Honda Accord.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.