2022 Honda Accord Car Insurance Calculator

Learn visually how different factors impact car insurance rates for a 2022 Honda Accord. Customize rate factors like credit rating, policy coverages, liability limits, and coverage deductibles. Know immediately the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2022 Honda Accord is $2,228 per year, or about $186 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,228

Cost Per Month

$186

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Honda Accord Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2022 Honda Accord.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,228
Average Rate
Your Rate
$2,228

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2022 Honda Accord trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2022 Honda Accord is $2,228.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2022 Honda Accord vs. the Midsize Car Segment

The table below compares insurance rates for the 2022 Honda Accord against all other models in the midsize car segment. The Honda Accord is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Honda Accord, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Honda Accord.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2022 Honda Accord Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Subaru Legacy$2,072-$156
2Honda Insight$2,078-$150
3Kia K5$2,094-$134
4Toyota Camry$2,102-$126
5Volkswagen Passat$2,112-$116
6Mazda 6$2,130-$98
7Honda Accord$2,228--
2022 Midsize Car Average$2,228$0
8Chevrolet Malibu$2,234$6
9Tesla Model 3$2,246$18
10Volkswagen Arteon$2,326$98
11Nissan Altima$2,390$162
12Hyundai Sonata$2,432$204
13Kia Stinger$2,520$292

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2022 Accord Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 Honda Accord.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2022 Honda Accord Insurance Rates by Trim Level
2022 Honda Accord Trim Level Annual Premium Cost Per Month
Hybrid$2,044$170
Hybrid EX-L$2,110$176
LX$2,150$179
Hybrid Sport$2,168$181
Hybrid Touring$2,242$187
Sport$2,262$189
EX-L$2,328$194
Sport Special Edition$2,328$194
Touring$2,460$205

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2022 Honda Accord for different driver ages.

2022 Honda Accord Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,060$672
17$7,807$651
18$6,995$583
19$6,360$530
20$4,862$405
21$4,633$386
22$4,145$345
23$3,386$282
24$3,207$267
25$2,594$216
30$2,378$198
35$2,292$191
40$2,228$186
45$2,086$174
50$1,978$165
55$1,846$154
60$1,852$154
65$1,980$165
70$2,140$178
75$2,526$211
80$3,126$261

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Honda Accord trim levels.