The Honda Accord is a mid-size sedan that made its debut in 1976 as a three-door hatchback. The Accord remains one of the most popular vehicles today, and continues to consistently top lists of the safest and most reliable cars. No matter which type of Accord you drive, it needs to be protected with the right car insurance.
When it's time to find the best Honda Accord insurance, an independent insurance agent can assist you. These agents know where to get the right insurance for a Honda Accord at a great rate. But first, here's a behind-the-scenes look at how much it costs to insure an Accord by model year and top-rated insurance company in 2026.
Key Takeaways - Honda Accord Car Insurance
Honda Accord insurance costs an average of $1,878 per year, or approximately $156 per month, for full coverage in 2026.
Honda Accord insurance costs vary considerably by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $170.
Your age, location, credit, vehicle trim level, and driving history can all impact the cost of Honda Accord insurance.
USAA, American Family, and Progressive are the cheapest carriers for model-year 2025 Honda Accord insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Honda Accord model.
What Is Honda Accord Insurance?
Honda Accord insurance is just a type of car insurance policy that includes customized coverage options for your specific vehicle. As a mid-size sedan, the Accord likely doesn't require any additional coverage beyond that of other standard cars. The Accord's average car insurance rates also trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Honda Accord drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Honda Accord:
- Honda warranty insurance: This can extend Honda's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Honda vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Honda parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
You're likely required to have certain types of car insurance by law in your state. A local independent insurance agent can help you satisfy your state's car insurance requirements for a Honda Accord.
How Much Does Honda Accord Insurance Cost?
The average cost of car insurance for a Honda Accord is $1,878 per year, or approximately $156 per month, for full coverage. However, several factors can influence the cost of Honda insurance, including:
- The specific type of Accord you drive
- Vehicle safety features
- Annual mileage
- The types and amount of coverage you need
- Your credit score (where allowed)
- Your driving history
- Your location
- Your claims history
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Honda Accord full coverage insurance or a basic Honda Accord liability insurance policy.
Is the Honda Accord Expensive to Insure?
No, the Honda Accord isn't expensive to insure on average. The average monthly cost of Honda Accord auto insurance is $156, while the average for other sedans is $203. The Accord's average rates are also cheaper than those of other vehicles by Honda.
| Vehicle | Average Monthly Cost of Car Insurance |
| Honda Accord | $156 |
| All Hondas | $186 |
| All Sedans | $203 |
Honda Accord Insurance Costs by Model Year
Next, we'll break down several model years of the Honda Accord and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2026 Honda Accord* | $2,580 |
| 2025 Honda Accord | $2,767 |
| 2024 Honda Accord | $1,004 |
| 2023 Honda Accord | $574 |
| 2022 Honda Accord | $672 |
| 2021 Honda Accord | $570 |
| 2020 Honda Accord | $445 |
| 2019 Honda Accord | $520 |
| 2018 Honda Accord | $487 |
| 2017 Honda Accord | $629 |
| 2016 Honda Accord | $597 |
| 2015 Honda Accord | $560 |
| 2014 Honda Accord | $644 |
| 2013 Honda Accord | $400 |
| 2012 Honda Accord | $402 |
| 2011 Honda Accord | $327 |
| 2010 Honda Accord | $322 |
*Note: The 2026 Accord's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Honda Accord Car Insurance Companies for 2026
Affordable Honda Accord insurance is available from many car insurance companies in the U.S. These top-rated car insurance carriers provide the cheapest model-year 2025 Honda Accord insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,680 |
| American Family | $1,782 |
| Progressive | $1,789 |
| Erie | $2,088 |
| Nationwide | $2,221 |
| Allstate | $4,137 |
Honda Accord Car Insurance Rates by State
Your location is one of the biggest factors that influence car insurance costs. Here are some average auto insurance rates for the Honda Accord by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full 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 |
Average Honda Accord Insurance Rates by Driver Age and Profile
Other major factors that affect car insurance rates include your age, credit, and driving history. Teens and young drivers are likely to pay the most, by far, for Honda Accord insurance. Drivers with poor credit or traffic violations on their records also tend to pay much more for auto insurance.
Car insurance rates typically begin to drop dramatically around age 25. Once a driver reaches about age 65, car insurance costs start to gradually climb again through their senior years. Here are some average insurance rates for the Honda Accord by driver age and profile for 2026.
| Driver Age and Profile | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Teens and Young Drivers | $217 | $415 |
| Adult Drivers | $85 | $165 |
| Senior Drivers | $114 | $208 |
| Speeding Ticket on Record | $106 | $207 |
| Accident on Record | $126 | $241 |
| DUI on Record | $157 | $299 |
| Poor Credit | $202 | $406 |
Average Honda Accord Insurance Rates by Trim Level
Your vehicle's specific trim level can also affect the cost of auto insurance. Here are some average rates for Honda Accord insurance by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
| 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 |
| 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 |
Best Honda Accord Insurance Discounts: How to Lower Your Honda Accord Insurance Premiums
Though the Honda Accord's average auto insurance rates already trend cheaper than those for other vehicles, you can still potentially reduce your premiums even further. Follow any of these easy steps to increase your savings today:
- Ask about Honda Accord insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Honda may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Honda Accord insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Honda Accord insurance from a trusted carrier near you.
Your independent insurance agent can help you find discounts and recommend additional strategies to maximize your coverage savings. They know how to help you save the most money possible on Honda Accord insurance.
An Independent Insurance Agent Can Help You Get the Best Honda Accord Insurance Quotes
When it's time to find the most affordable Honda Accord insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Honda Accord insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Honda Accord Insurance
How much does Honda Accord insurance cost per year?
The average annual cost of full coverage for a Honda Accord is $1,878 per year, or approximately $156 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Honda Accord insurance premiums?
Living in a high-theft area, having filed past claims, having poor credit, and having accidents on your record can all increase Honda Accord auto premiums.
Is the Honda Accord expensive to insure?
No, the Honda Accord isn't expensive to insure on average. The cost of a six-month full coverage policy is only $939.
What are the best and cheapest carriers for Honda Accord insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2025 Honda Accord insurance this year.
Is insurance cheaper for the Accord than for other sedans?
Yes, the Honda Accord's average insurance rates are cheaper than those for other sedans. While the Accord's average full coverage rates are just $156 per month, other sedans average $203 per month.
How can I get cheaper Honda Accord insurance?
Finding cheaper Honda Accord insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/honda-accord-insurance/
https://www.insuranceopedia.com/auto-insurance/honda-accord-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/honda/accord/