Honda Accord Car Insurance Rates for 2022

How much does Honda Accord insurance cost? We compare average car insurance rates for the base LX sedan up to the Hybrid Touring model to see how the Accord ranks against the entire midsize car segment.

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How much does Honda Accord insurance cost?

Honda Accord car insurance costs an average of $1,588 a year, or $132 on a monthly basis. Expect to pay around $1 less annually to insure an Accord as compared to the average rate for all midsize cars, and $21 more per year than the all-vehicle national average of $1,567.

The following chart illustrates how average Accord car insurance rates change depending on driver age and policy deductibles. The prices shown are for an annual policy, and vary from $1,202 per year for a driver age 60 with deductibles of $1,000 to the highest cost of $3,706 per year for a driver age 20 with deductibles set at $250.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Honda Accord with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda Accord trim levels.Data last updated on September 27, 2022
Honda Accord Car Insurance Rates
Honda Accord Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,690$224
$500$3,182$265
$250$3,706$309
30$1,000$1,402$117
$500$1,678$140
$250$1,962$164
40$1,000$1,338$112
$500$1,588$132
$250$1,852$154
50$1,000$1,224$102
$500$1,450$121
$250$1,686$141
60$1,000$1,202$100
$500$1,424$119
$250$1,656$138

To help illustrate how much variability there is with auto insurance rates, a liability-only policy for a Honda Accord in the more affordable parts of Idaho or Indiana costs as little as $237 a year. A newly-licensed teen driver with a tendency to speed in the most expensive zip codes in Los Angeles, CA, could get a bill for $12,940 a year for a full coverage policy.

With so many factors going into car insurance rates, we broke out a few of them to illustrate how different profiles and lifestyle choices can make significant differences in what you’ll be paying to insure your Honda Accord.

  • Expect to pay a lot for high risk insurance. For a 50-year-old driver, the requirement to buy a high-risk policy could raise rates by $1,894 or more per year. High-risk insurance is normally only required after serious offenses like DWI/DUIs, driving with a license or insurance, or multiple at-fault accidents.
  • Driver gender influences rates. For a 2022 Honda Accord, a 20-year-old man pays an estimated $3,182 per year, while a 20-year-old female driver pays $2,348, a difference of $834 per year. Women get significantly cheaper rates at this age due to the tendency of males to be more aggressive and risk-tolerant. But by age 50, the cost for a male driver is $1,450 and the rate for women is $1,420, a difference of only $30. Marriage and kids will do that to a man.
  • Avoiding accidents saves money. At-fault accidents raise insurance rates, possibly by an extra $2,254 per year for a 20-year-old driver and even $524 per year for a 50-year-old driver.
  • Save money by qualifying for policy discounts. Discounts may be available if the insureds drive a vehicle with safety or anti-theft features, are claim-free, belong to certain professional organizations, insure their home and car with the same company, or many other policy discounts which could save the average driver as much as $264 per year.
  • Get a discount from your choice of occupation. Some auto insurance providers offer policy discounts for specific professions like college professors, architects, doctors, members of the military, scientists, farmers, and other occupations. If you can get this discount applied to your policy, you may save between $48 and $159 on your annual insurance cost, depending on the age of the rated driver.
  • Accord insurance for teen drivers is expensive. Average rates for full coverage Accord insurance costs $5,732 per year for a 16-year-old driver, $5,366 per year for a 17-year-old driver, and $5,012 per year for a 18-year-old driver.
  • Auto insurance is cheaper with higher deductibles. Increasing deductibles from $500 to $1,000 could save around $250 per year for a 40-year-old driver and $492 per year for a 20-year-old driver.
  • Lower deductibles raise insurance cost. Dropping your physical damage deductibles from $500 to $250 could cost an additional $264 per year for a 40-year-old driver and $524 per year for a 20-year-old driver.

What is the cheapest Accord to insure?

With Honda Accord car insurance cost ranging from $1,458 to $1,752 per year on average, the lowest-cost model to insure is the Hybrid. The next cheapest trim level to insure is the Hybrid EX-L at $1,506 per year.

Average Honda Accord insurance cost per month ranges from $122 to $146 depending on the trim level, so plan on budgeting at least $122 per month for full coverage insurance. This amount will vary depending on where you live, however.

2021 Honda Accord Platinum White Pearl
2021 Honda Accord in Platinum White Pearl with 19-inch alloy wheels

For higher trim levels, the three most expensive Honda Accord models to insure are the EX-L, the Sport Special Edition, and the Touring trim levels at an estimated $1,660,  $1,660, and $1,752 per year, respectively.

The table below shows average Honda Accord insurance rates, including a monthly budget amount, for each available trim level for the 2022 model year.

2022 Honda Accord Insurance Cost by Trim Level
Honda Accord Trim Level Annual Policy 6-month Policy Per Month
Hybrid$1,458$729$122
Hybrid EX-L$1,506$753$126
LX$1,532$766$128
Hybrid Sport$1,546$773$129
Hybrid Touring$1,600$800$133
Sport$1,612$806$134
EX-L$1,660$830$138
Sport Special Edition$1,660$830$138
Touring$1,752$876$146

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda Accord, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Honda Accord Insurance Cost by Trim Level

How much is insurance on a used Honda Accord?

Insuring a 2013 Accord instead of a new 2022 model could save $488 or more each year. A 2017 model would save around $222 over the cost insurance for a new model.

The next table shows average Accord insurance costs for the 2013 to 2022 model years and for various driver age groups. Average policy cost ranges from $986 per year for a 60-year-old driver rated on a 2013 Honda Accord to the most expensive rate of $3,182 for a 20-year-old rated on a 2022 Honda Accord.

Honda Accord Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,182$1,678$1,588$1,450$1,424
2021$3,026$1,596$1,514$1,382$1,358
2020$2,972$1,564$1,484$1,356$1,332
2019$2,912$1,528$1,454$1,328$1,304
2018$2,832$1,486$1,416$1,292$1,270
2017$2,730$1,428$1,366$1,246$1,224
2016$2,658$1,388$1,334$1,220$1,196
2015$2,390$1,254$1,204$1,100$1,078
2014$2,306$1,206$1,162$1,062$1,040
2013$2,184$1,138$1,100$1,008$986

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Honda Accord Insurance Cost by Model Year

Eventually, as the vehicle gets older it will make sense to remove either comprehensive or collision or both from the insurance policy. As vehicles get older and lose value from depreciation, the extra cost of physical damage protection starts to surpass the benefits.

Vehicle ages beyond the scope of the table above may be candidates for removing full coverage. Dropping comprehensive and collision coverage could save around $598 per year, depending on how high the deductibles were and the driver age.

How does Honda Accord insurance cost compare?

When compared to other midsize cars, the Accord costs $86 more per year than the Toyota Camry, is $118 less than the Nissan Altima, costs $14 less than the Tesla Model 3, and is $4 more than the Chevrolet Malibu.

The Honda Accord ranks #8 out of 13 total vehicles in the 2022 midsize car segment for car insurance affordability. The Accord costs an average of $1,588 per year for full coverage insurance and the class average rate is $1,589 per year, a difference of $1 per year.

The chart below shows how average car insurance rates for an Accord compare to other popular 2022 midsize cars like the Toyota Camry, Nissan Altima, and the Chevrolet Malibu. In addition, you can also view a larger table after the chart detailing rates for all 13 vehicles in the midsize car segment.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Honda Accord, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda Accord trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Honda Accord vs Top 10 Midsize Cars Insurance Rate Comparison
Honda Accord Insurance Cost Compared to All Midsize Cars
Rank Make/Model Insurance Cost Difference
1Subaru Legacy$1,480-$108
2Honda Insight$1,482-$106
3Kia K5$1,498-$90
4Toyota Camry$1,502-$86
5Volkswagen Passat$1,508-$80
6Mazda 6$1,518-$70
7Chevrolet Malibu$1,584-$4
8Honda Accord$1,588--
9Tesla Model 3$1,602$14
10Volkswagen Arteon$1,660$72
11Nissan Altima$1,706$118
12Hyundai Sonata$1,736$148
13Kia Stinger$1,798$210

When sticker price is factored in, we can find out how insurance cost compares between the Accord and other models with similar average MSRPs. The 2022 Accord has an average sticker price of $31,564, before destination charges and dealer fees.

The vehicles closest in price to the Accord for the 2022 model year are the Hyundai Sonata, Mazda 6, Toyota Camry, and Subaru Legacy. The next list shows how those models compare to the Honda Accord by purchase price and the cost to insure.

  • Honda Accord vs. Hyundai Sonata – With an average MSRP of $30,667 and ranging from $24,350 to $35,400, the Hyundai Sonata costs $897 less than the average sticker price for the Honda Accord. Full-coverage insurance on the Hyundai Sonata costs an average of $148 more each year than the Honda Accord.
  • Honda Accord vs. Mazda 6 – Having an average MSRP of $30,542 ($24,475 to $35,900), the 2022 Mazda 6 costs $1,022 less than the average cost for the Honda Accord. Drivers can expect to pay an average of $70 less per year for insurance on the Mazda 6 compared to an Accord.
  • Honda Accord vs. Toyota Camry – Having an average MSRP of $30,273 and ranging from $25,395 to $35,820, the Toyota Camry costs $1,291 less than the MSRP for the Honda Accord. Insurance on the Toyota Camry costs an average of $86 less each year than the Honda Accord.
  • Honda Accord vs. Subaru Legacy – Having an average price of $29,611 and ranging from $22,995 to $36,195, the 2022 Subaru Legacy costs $1,953 less than the average cost of the Honda Accord. Anticipate paying an average of $108 less each year for full-coverage insurance on the Subaru Legacy compared to an Accord.

Honda Accord car insurance rates for teenagers

The Honda Accord has always been a solid choice for teenagers to drive. Reliability and safety make it a good choice for younger drivers, and insurance cost is affordable.

Regardless of the type of vehicle chosen, however, car insurance for teenagers is always going to be higher-priced than for more mature drivers. Teens are easily distracted behind the wheel and have not had the experience that only comes with time and age.

Nevertheless, the chart below shows average Honda Accord car insurance rates for teenage drivers from the age of 16 to 19. Rates are broken out for both male and female drivers due to the significant difference in gender-based rates. Prices range from a low of $4,038 to insure a 19-year-old female driver to a high of $5,732 to insure a 16-year-old male driver.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2022 model year Honda Accord with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Honda Accord trim levels.Data last updated on September 27, 2022
Honda Accord Insurance Rates for Teenagers
Honda Accord Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$5,732$5,366$5,012$4,538
Female$5,048$4,766$4,352$4,038

As shown by the chart above, car insurance rates are highest for 16-year-old drivers and decline slightly each year. Honda Accord insurance for a 17-year-old driver costs an average of $4,766 for females and $5,366 for males. Insuring an 18-year-old on a Honda Accord would cost an average of $4,766 for females and $5,366 for males.

Keep in mind these rates are for a new 2022 Honda Accord, and rates tend to drop as the vehicle ages. Read the next section on liability-only insurance to get an idea of how to reduce the cost of Honda Accord car insurance for teens.

Full coverage vs. liability-only insurance cost

The teen driver rates in the chart above are for a 2022 Honda Accord with full coverage, which simply means insurance includes coverage for claims such as hail damage, collisions and vehicle theft.

A good way to reduce the cost of insurance for not only teenage drivers but any age driver is to purchase an older model Honda Accord and only insure it for liability insurance. This gives the required liability protection but saves money because you’re not paying for comprehensive and collision coverage.

The table below compares the cost of full coverage Honda Accord car insurance to the cost of only insuring for liability coverage.

Honda Accord Insurance Rates for 2004 to 2012 Model Years
Vehicle Model Year Full Coverage Insurance Liability Insurance
2012 Honda Accord$1,066$498
2011 Honda Accord$1,032$494
2010 Honda Accord$988$490
2009 Honda Accord$954$486
2008 Honda Accord$912$482
2007 Honda Accord$870$474
2006 Honda Accord$834$466
2005 Honda Accord$824$462
2004 Honda Accord$806$458

Get Rates in Your AreaWhy is this important?

Table Data Details: Average insurance rates for each Honda Accord model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
Honda Accord Insurance for 2004 to 2012 Model Years

One thing to note about buying a liability-only car insurance policy is that if you do have an accident or incident where there is physical damage to your vehicle, you have no coverage. So if you do not have the financial means to replace the vehicle, it may not be the best idea to drop physical damage coverage entirely.

Are Honda Accord insurance rates affected by where I live?

Depending on your address, insurance cost for a Honda Accord can vary from cheaper premiums like $1,068 a year in Virginia Beach, VA, or $990 in Raleigh, NC, to high rates like $3,000 a year in New York City and $6,228 in Detroit, MI.

Additional rates for large metro areas include Nashville, TN, at $1,616 per year, Omaha, NE, averaging $1,476, Boston, MA, costing $1,786, and Long Beach, CA, at $2,064.

The following bar chart ranks average insurance cost for a Honda Accord in the 15 largest metro areas in America. For this chart, rates range from $1,198 per year in Columbus, OH, to $3,000 in New York, NY, a difference of $1,802.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Honda Accord, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Honda Accord trim levels.Data last updated on September 27, 2022
Honda Accord Insurance Rates in Large U.S. Cities
Honda Accord Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,000$250
Philadelphia, PA$2,648$221
Los Angeles, CA$2,636$220
San Francisco, CA$2,264$189
Jacksonville, FL$2,256$188
San Jose, CA$1,876$156
Phoenix, AZ$1,824$152
San Diego, CA$1,788$149
Chicago, IL$1,726$144
Dallas, TX$1,698$142
Houston, TX$1,690$141
Indianapolis, IN$1,598$133
San Antonio, TX$1,522$127
Austin, TX$1,448$121
Columbus, OH$1,198$100

Average Honda Accord insurance cost by state

From a state perspective, states like Iowa ($1,148), North Carolina ($1,008), and Idaho ($1,254) tend to be on the lower side, while states like Michigan ($2,532), Florida ($2,322), and Kentucky ($1,848) have higher insurance rates.

Insurance costs in most states fall closer to the median, with states like Massachusetts, Missouri, and Kansas included in this group with average Honda Accord insurance rates of $1,300, $1,688, and $1,598 per year, respectively.

Honda Accord Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,294$647$108
Alaska$1,396$698$116
Arizona$1,414$707$118
Arkansas$1,700$850$142
California$1,822$911$152
Colorado$1,696$848$141
Connecticut$1,542$771$129
Delaware$1,616$808$135
Florida$2,322$1,161$194
Georgia$1,536$768$128
Hawaii$1,080$540$90
Idaho$1,254$627$105
Illinois$1,282$641$107
Indiana$1,188$594$99
Iowa$1,148$574$96
Kansas$1,598$799$133
Kentucky$1,848$924$154
Louisiana$2,304$1,152$192
Maine$1,100$550$92
Maryland$1,432$716$119
Massachusetts$1,300$650$108
Michigan$2,532$1,266$211
Minnesota$1,396$698$116
Mississippi$1,504$752$125
Missouri$1,688$844$141
Montana$1,552$776$129
Nebraska$1,518$759$127
Nevada$1,742$871$145
New Hampshire$962$481$80
New Jersey$1,504$752$125
New Mexico$1,274$637$106
New York$1,692$846$141
North Carolina$1,008$504$84
North Dakota$1,320$660$110
Ohio$928$464$77
Oklahoma$1,544$772$129
Oregon$1,330$665$111
Pennsylvania$1,338$669$112
Rhode Island$1,872$936$156
South Carolina$1,464$732$122
South Dakota$1,438$719$120
Tennessee$1,256$628$105
Texas$1,500$750$125
Utah$1,312$656$109
Vermont$1,058$529$88
Virginia$1,024$512$85
Washington$1,206$603$101
West Virginia$1,430$715$119
Wisconsin$1,080$540$90
Wyoming$1,458$729$122

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Honda Accord, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda Accord trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on September 27, 2022
Honda Accord insurance rates by U.S. state