Compare Honda Accord Insurance Rates In 2022: Buy/Renew

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Do you know what is the Honda Accord Insurance Rates? How much Honda Accord insurance Cost in 2022? Where can you get the best Honda Accord Insurance? What are honda accord coupe insurance rates? How much does 2022 honda accord insurance cost according to different states?

If you are looking for cheap insurance for Honda Accord Insurance rates, then which options are available?

We know you have got tons of questions and we at Mount Shine, are there to help you answer all your queries. We compared several Honda Accord Insurance rates to let you decide the best way to ensure you are getting your best deal. See the average car insurance rates for the base LX sedan up to the Hybrid Touring model. Learn what factors affect your spending decision while paying for car insurance, look at prices, payment options, etc. The United States’ best insurance companies, credit score required, best banks for auto refinance loan, joint auto loans, EMI options available, and how you can save your money on car insurance.

Compare, Buy/Renew your Honda Accord Insurance and save on your next policy.

How Much Does Honda Accord Insurance Cost?

On average Honda Accord Insurance Rates can go to $1,580 a year, or $132 on monthly basis.

Average Honda Accord Insurance cost

Honda Accord car insurance costs an average of $1,580 a year, or $132 on a monthly basis. Honda Accord owners can expect to pay around $3 more per year for Honda Accord Insurance when compared to the average rate for all midsize cars, and $29 more per year than the national average of $1,551 for all vehicles.

We compared Honda Accord Insurance cost according to age starting from 20 to 60 years old and policy deductibles. From the table below you can see that car insurance for a Honda Accord for a 60-year-old driver is $1,192 per year with deductibles of $1,000. For a 20-year-old driver, it costs about $3,676 per year with deductibles set at $250.

You can compare the Honda Accord Insurance Rates According To Age with deductibles from the table given below:

Honda Accord Insurance Cost by Driver Age and Deductibles

Driver AgeDeductibleAnnual CostMonthly Cost
20$1,000$2,670$223
$500$3,160$263
$250$3,676$306
30$1,000$1,394$116
$500$1,664$139
$250$1,948$162
40$1,000$1,330$111
$500$1,580$132
$250$1,840$153
50$1,000$1,216$101
$500$1,440$120
$250$1,674$140
60$1,000$1,192$99
$500$1,414$118
$250$1,644$137

7 Factors That Affect Honda Accord Insurance

There are multiple factors that affect the cost of insurance for Honda Accord. For example, each state has its own rules and regulations which are applied to the insurance policies thus resulting in variation in the costs a customer pays for it. There are other factors like the trim-level, liability-only policy, age, gender, etc. let us get to know some of the factors which affect Honda Accord Insurance Rates:

Honda Accord Insurance cost
Honda Accord Insurance Cost

1. Where you live

2. Lifestyle

3. Expect to pay a lot for high-risk insurance

4. Driver gender influence rates

5. Avoiding accidents save money

6. By qualifying for policy discounts, you can save money

7. Discounts are given on choice of occupation

1. Where you Live

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 teen driver who just got his/her license with a tendency to speed in the most expensive zip codes in Los Angeles, CA, could get a bill of $12,106 a year for a full coverage policy.

2. Lifestyle

Another factor and important one is the profile and lifestyle of a person that can affect the cost of Honda Accord Insurance.

3. Expect to pay a lot for high-risk Insurance

The requirement to purchase a high-risk policy for the Honda accord could raise rates by $1,876 or more per year for a 50-year-old driver. High-risk insurance is typically required only after serious offenses such as DWI/DUI, driving without a license or insurance, or multiple at-fault accidents.

4. Driver gender influences rates

There is a difference in Honda Accord Insurance rates for 2022 when it comes to gender. Women get cheaper rates when compared to men. Insurance to a 20-year-old male driver costs an estimated $3,160 per year, while a 20-year-old female driver’s cost to insure a honda Accord is $2,330, a difference of $830 per year.

If a 50-year-old male driver is owning a honda accord, in 2022 he will pay $1,440 for insurance, and for females, it is $1,410. Thus making a difference of only $30.

5. Avoiding accidents saves money

At-fault accidents are one of the biggest factors that raise Honda Accord Insurance rates. We can’t expect a car not to have a minor accident at all. So, Accidents at fault raise insurance rates, potentially by $2,232 per year for a 20-year-old driver and up to $451 per year for a 50-year-old driver.

6. By qualifying for policy discounts, you can save money

Customers who qualify for policy discounts save money on their insurance. That’s why Uncle Sam from Texas might be paying less on the insurance for Honda Accord than what you are currently paying. Discounts on policies are a great way to save money. It may be available to those who drive a vehicle with safety or anti-theft features. If someone has insured their home and car with the same company, it is most likely they will get discounts on their auto insurance. From what we have seen, an average driver can save up to $270 a year on their Honda Accord insurance.

7. Discounts Are Given On Choice Of Occupation

There are Auto Insurance Companies that offer policy discounts to specific occupations like college professors, doctors, military, scientists, farmers, etc. A large share is made up of these types of policyholders so if you can get this discount applied to your policy, you can save money on your auto insurance policy annually. Look for the best insurance company nearby and talk to their representative, try to get quotes online, and see what they have to offer.

There are other factors too affecting Honda Accord Insurance cost that we will discuss in the future.

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What Is The Cheapest Accord To Insure In 2022?

Let’s find out what is the cheapest 2022 Honda Accord insurance cost to insure depending on the trim level. The cheapest Honda Accord insurance is the Hybrid trim level which costs an average of $1,446 to $1,740 per year. One of the factors which affect the increase in costs is the trim level, so let’s say if the trim level increases, the cost of car insurance also increases.

2021 Honda Accord
2021 Honda Accord

The second cheapest Accord to Insure in 2022 is the Hybrid EX-L at $1,492 per year. If we take the average Honda Accord Insurance rates per month range from $121 to $145 depending on the trim level. Also, don’t forget that your location might be one of the factors for an increase or decrease in the Honda Accord Insurance cost.

From the table given below, you can analyze the annual, semi-annual, and monthly costs for insuring different trims and styles of Honda Accords available.

Honda Accord Trim LevelAnnual Policy6-month PolicyPer Month
Hybrid$1,446$723$121
Hybrid EX-L$1,492$746$124
LX$1,522$761$127
Hybrid Sport$1,534$767$128
Hybrid Touring$1,586$793$132
Sport$1,600$800$133
EX-L$1,648$824$137
Sport Special Edition$1,648$824$137
Touring$1,740$870$145

Amongst all other honda Accord vehicles, there are three most expensive Honda Accord models to insure. Here Hybrid EX-L Sedan trim levels cost $1,598, Touring Sedan costs $1,620, and Hybrid Touring Sedan $1,646 per year, respectively.

How Much Does Used Honda Accord Insurance Costs?

While we were doing our research, we got to know consumers were looking more for How much does used Honda Accord Insurance Costs? How much do they have to pay for a 2013 model or if I own a 2020 Honda Accord, which company should I Opt For?

2018 Honda Accord
2018 Honda Accord

So, compare average Honda Accord insurance rates for the 2013 to 2022 model years and for various driver age groups from the table given below.

Model YearDriver Age 20Age 30Age 40Age 50Age 60
2022$3,160$1,664$1,580$1,440$1,414
2021$3,000$1,584$1,504$1,372$1,348
2020$2,948$1,554$1,474$1,346$1,320
2019$2,888$1,518$1,444$1,318$1,294
2018$2,810$1,476$1,404$1,284$1,260
2017$2,708$1,418$1,354$1,236$1,214
2016$2,638$1,380$1,324$1,208$1,186
2015$2,370$1,244$1,196$1,092$1,070
2014$2,288$1,196$1,152$1,052$1,032
2013$2,168$1,130$1,090$998$980

As you can see, the 2013 Honda Accord when compared to the 2022 model can save $490 or more each year, and the 2017 model, could save around $226. If you are planning to buy a used Honda Accord or already own one, compare the rates first then buy/review online honda accord insurance.

On Average Honda Accord Insurance rates range for a 60-year-old driver on a 2013 model $980 per year to the most expensive rate of $3,160 for a 20-year-old rated on a 2022 Honda Accord. Remember: When the vehicle gets older, remove the comprehensive or collision or both from the insurance policy. This will help you save money on your auto insurance policy. As the vehicles get older, they lose value from depreciation so it is not a good idea to spend extra cash on them.

If you want to save $594 per year, consider dropping comprehensive and collision coverage. Your savings may depend on how much the deductibles were and the driver’s age.

What Are The Honda Accord Insurance Rates For Teenagers 2022?

When it comes to a car that is dependable, safe, has a sporty style, and is popular with teenagers, parents frequently choose a Honda Accord. It is a reliable vehicle that is also popular among teens, and the same can be said for its insurance.

Honda Accord Hybrid
Honda Accord Hybrid

That’s why we compared Honda Accord Insurance Rates for teenagers so that you can make a smart financial decision. From the table given below, you can see how much will be insurance honda accord cost from the age of 16 to 19. As discussed above, the gender factor is also considered for insurance, and prices are based on that too.

For a 16-year-old male driver, Honda accord insurance cost $5,688 and for a 19-year-old female driver, it will cost $4,008.

Teen Driver GenderAge 16Age 17Age 18Age 19
Male$5,688$5,324$4,974$4,504
Female$5,008$4,728$4,318$4,008

From the above table, we can see for a 17-year-old driver, the Honda Accord Insurance costs $4,728 for females and $5,324 for males. For an 18-year-old on a Honda Accord Insurance rates would average $4,728 for females and $5,324 for males in 2022.

Full Coverage vs. Liability-only Insurance Cost: Which One To Choose?

When an insurance company says we will give cover full insurance coverage on the Honda Accord 2022 it means insurance includes coverage for claims such as hail damage, collisions, and vehicle theft.

If you want to reduce the cost of insurance for Honda Accord, then go for liability insurance. Age is not a bar in liability insurance and gives you the required liability protection.

Let us compare the cost of Full Coverage Vs. Liability Only Honda Accord Insurance to see the difference

   
Vehicle Model YearFull Coverage InsuranceLiability Insurance
2012 Honda Accord$1,054$492
2011 Honda Accord$1,022$488
2010 Honda Accord$978$484
2009 Honda Accord$942$480
2008 Honda Accord$902$476
2007 Honda Accord$862$468
2006 Honda Accord$826$462
2005 Honda Accord$816$458
2004 Honda Accord$800$454

Note: If you met with an accident where there is physical damage to your vehicle, you have no coverage in case of liability insurance only. In this case, you have to replace the parts/damage from your own pocket.

How Much Does Honda Accord Insurance Cost Near Me

Insurance policy will always vary depending on your address and which state of the United States you live in. While doing our research we found that in Virginia Beach, VA Honda Accord Insurance cost can be $1,068 a year, in New York average cost is $3,000, and $6,228 in Detroit, MI. Other places like Nashville, TN, costs $1,616 per year, Omaha, NE, the average cost to insure Honda Accord is $1,476, Boston, MA, costs $1,786, and Long Beach, CA, at $2,064.

Below is the list of Honda Accord Insurance Rates By Location

City/StateAnnual RateMonthly 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

Compare Honda Accord Insurance Cost By State

We compared average auto insurance rates for all 50 states, starting from Alabama to Wyoming, and found the cheapest Honda Accord Insurance Cost.

U.S. StateAnnual Cost6-month CostMonthly 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$1,698$849$142
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$1,256$628$105
Illinois$1,282$641$107
Indiana$1,188$594$99
Iowa$1,150$575$96
Kansas$1,598$799$133
Kentucky$1,848$924$154
Louisiana$2,302$1,151$192
Maine$1,100$550$92
Maryland$1,434$717$120
Massachusetts$1,300$650$108
Michigan$2,532$1,266$211
Minnesota$1,396$698$116
Mississippi$1,504$752$125
Missouri$1,686$843$141
Montana$1,552$776$129
Nebraska$1,520$760$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$1,336$668$111
Rhode Island$1,872$936$156
South Carolina$1,464$732$122
South Dakota$1,438$719$120
Tennessee$1,258$629$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

Payment Options For Honda Accord Insurance

There are various payment options available for honda Accord car insurance which you can avail. A few options are:

  • Online
  • Credit Card
  • Insurance Company Apps – One Stop Solution
  • Wire Transfer
  • Few insurance companies offer Wallet options too and give bonus points to redeem

How To Apply For Honda Accord Insurance?

The rates may vary from state to state and from company to company. The best way to insure the cheapest or the most reliable option is to research well before buying auto car insurance for Honda Accord. Let Mount Shine help you if you are a 17-year-old, 30-year-old, or of any age, we have a wide network of America’s best insurance companies, their offers, payment options, costs, etc.

Get free quotes, buy/renew, and save money on Honda Accord Insurance by contacting us. Our service is free, fast, and simple, so get started today!

Compare Honda Insurance For Other Models

Compare Honda insurance to other models and see how much does honda civic insurance cost, honda accord insurance cost, or Honda pilot insurance costs. In-depth details are given for each honda model along with the age of the driver, deductibles, Honda depreciation, crash test results, safety features, etc.

Honda Civic

Honda Clarity

Honda CR-V

Honda CR-Z

Honda Fit

Honda HR-V

Honda Insight

Honda Odyssey

Honda Passport

Honda Pilot

Honda Ridgeline

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