Compare the Cost of Honda Accord Insurance by Model Year and Company

The driver's age can greatly influence auto insurance costs for a Honda Accord. A 16-year-old driver can expect to pay an average of $5,533 per year for a 2009 model and $6,753 per year for a 2022 model. In contrast, a 40-year-old driver will pay significantly less, with an average rate of $1,200 per year for a 2009 model and $1,507 per year for a 2022 model.

MoneyGeek analyzed the top insurance providers for a Honda Accord based on a range of factors such as affordability, service quality and claims experience.

If you're insuring a Honda Accord, you can expect to pay around $1,417 per year. However, the carrier you select can impact your premiums. For a full coverage policy, State Farm offers the most affordable rate of $1,093 per year, while Farmers charges the most at $1,662 per year, on average. For minimum coverage policies, State Farm is also the cheapest at roughly $484 per year, and Farmers is the most expensive, costing approximately $770 per year. Weigh the different available options to find the cheapest car insurance for you.

Our data shows that it’s neither cheap nor expensive to insure a Honda Accord. Certain models may be more expensive to insure due to their higher value and repair costs. In addition, the theft rates for this vehicle may be another reason why insurance providers charge somewhat higher rates to insure this car model.

To find the best car insurance for a Honda Accord, buyers should consider a company’s rates, claims experience and customer service. Our analysis revealed the top two insurers for a Honda Accord:

• State Farm: MoneyGeek score 90 out of 100 ($1,093 per year)
• GEICO: MoneyGeek score 88 out of 100 ($1,186 per year)

State Farm outshined the competition since it offers the least expensive premiums and has the second-highest ratings for customer satisfaction — you don’t need to worry about sacrificing cost for great service quality with this provider.

Based on average annual premiums for a full coverage policy, insuring a 2009 Honda Accord costs $1,200, whereas insuring a 2022 model costs $1,507. Your vehicle’s age is one of the biggest factors that affect the average cost of car insurance for a Honda Accord. Older models are cheaper to insure compared to newer models since a car's value depreciates over time.

Your average cost of car insurance will also depend on your preferred insurer and your car’s model year. State Farm charges the cheapest full coverage rates for a 2009 and 2022 Honda Accord, costing around $892 and $1,283 per year, respectively.

Car insurance for teen drivers and young adults is more expensive than for drivers over 30. A 16-year-old driver with a Honda Accord can expect to pay around $6,244 per year for a full coverage policy, while a 40-year-old driver pays roughly $1,370 per year. The cost of auto insurance for teens significantly decreases every year until they reach their 20s, at which point it tends to stabilize.

Adding a teen to a family policy is the best way to get affordable teen car insurance. Keep in mind that teens under 18 are legally required to have a parent or guardian cosign if they purchase an individual policy. State Farm offers the cheapest full coverage policy for 16-year-old Honda Accord drivers at $4,082 per year, while Farmers charges the most expensive rate at $9,255 per year. These rates are for individual plans. Comparing quotes from different car insurance providers will help you can find the most affordable insurance for you.

Location can also greatly affect the cost of your premiums. Our data shows that the cheapest state to get car insurance is Idaho, with an average rate of $651 per year. In contrast, New York has the most expensive average premium of $2,043 per year. We encourage you to gather quotes from budget-friendly insurers in your state to get the best rates for your Honda Accord.

We answered some of the most common questions about Honda Accord car insurance to help you in your search.