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Honda Accord insurance rates

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Average Honda Accord insurance rates

Introduced in 1976, the Honda Accord has become one of the best-selling vehicles in North America. The accord is best known for its incredible safety ratings and comfortable design that make it a great family car or daily driver. Equipped with a number of safety and driver assistance features, coverage for the Accord should be easy to find.

On average, auto insurance for a Honda Accord is $151 a month, which works out to $1,812 a year. While this estimate is about $500 higher than the national average, your actual cost may vary. The price of auto insurance is influenced by a number of factors, meaning that your driving history, location and vehicle can directly affect your rates.

Companies that offer auto insurance for Honda Accord

Geico. Best known for its Gecko mascot that promises to save you 15% or more on car insurance, Geico is the second largest provider in the US. It offers a wide range of competitively-priced coverage and a great online system that allows customers to manage their policy.

State Farm. Insuring over 45 million drivers across the country, State Farm is the largest auto insurance provider in the US. It’s home to a network of over 18,000 local, independent agents that are committed to helping you find the best coverage for your vehicle.

Esurance. Esurance was one of the first providers to sell coverage online directly to its customers. Its modern approach to auto insurance involves a convenient mobile app and online platform that allows customers to purchase customizable coverage on the go.

Compare insurance providers that cover Honda Accord

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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How to compare insurance for the Honda Accord

Auto insurance is a necessary but often overwhelming purchase that almost every driver makes. Shopping around can be difficult, as providers use confusing language and ambiguous claims when describing policies. But since coverage is mandatory in almost every state, you won’t be able to go without. That said, knowing what to look for can make shopping for insurance easier and can even save you money if you play your cards right.

  • Price. Coverage can vary between providers, making it hard to compare by price. Use the same driver and vehicle details when getting quotes in order to accurately compare your options.
  • Deductible. Higher deductibles often make for lower premiums, whereas lower deductibles will drive up the price. Choose an amount that fits your financial situation.
  • Minimum coverage. Every state has different coverage requirements. Be sure that any potential policy meets your state minimums before committing.
  • Additional coverage. Personal injury protection and medical payments coverage are two of many ways you can improve your policy. Be sure to include any additional coverage options when getting quotes from providers.
  • Extras. Features like roadside assistance and accident forgiveness may be included in your policy. If not, find out how much you’ll have to pay for extras and whether they’re worth the cost.
  • Restrictions. Find out if any restrictions apply to your policy to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Ask your dealership if you are eligible for any manufacturer offers or loyalty discounts and you may be able to save on auto insurance.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Honda Accord?

Your location and driving history can both affect your chances of getting into an accident. However, the vehicle you drive has a much larger impact, because performance, safety features, theft rates and other details can vary depending on your make and model. And since providers consider your risk and cost of filing claims when calculating your premiums, your choice of vehicle can directly affect your rates. Here’s how:

  • Body type. The Accord is a four-door sedan, best suited for families or other light use. This may be part of the reason why coverage is affordable.
  • Type of car. The Accord is a midsize sedan that starts at just over $20,000. It should be cheaper to insure than luxury or performance vehicles.
  • Theft. The Honda Accord is one of the most stolen vehicles in the US, which could increase the cost of insurance.
  • Repairs. Parts and service for the Honda Accord should be readily available, which will likely lead to lower insurance premiums.
  • Safety ratings. The Accord has incredible safety ratings and features that could make for cheaper auto insurance.
  • Fuel type. The gas version of the Honda Accord should be cheaper to insure than the Hybrid version, mostly due to the lower cost of repairs.
  • Trim & packages. There are a number of safety and driver assistance options available on the Honda Accord. Adding them could help reduce the cost of insurance.

Honda Accord money-saving safety features

You could save money on car insurance for your Honda Accord if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Honda Accord qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Honda Accord:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Honda Accord safety & reliability ratings

According to U.S. News and J.D. Power, the 2018 Honda Accord holds a perfect 10/10 score for safety. This is backed by the highest possible scores in every category from the NHTSA and the 2018 IIHS Top safety pick.

U.S. News and J.D. Power give the 2018 Honda Accord a 4/5 star rating for reliability, which is better than most vehicles in its class.

Honda Accord maintenance

The Accord is designed to provide a comfortable and convenient driving experience, which means that it requires little maintenance to keep it on the road. But like most vehicles, routine service appointments to change the oil and inspect parts can help extend its life and ensure it drives smoothly.

  • Honda doesn’t have a recommended oil change schedule for the Accord. In fact, all newer vehicles come equipped with the Maintenance Minder system that tells you when oil and other parts need to be replaced.
  • An oil change for the Accord should only cost about $75-$125, but your cost may vary depending on where you have it serviced. As a rule of thumb, dealerships usually cost more than independent repair shops.
  • Speak with your Honda dealer or consult your owner’s manual to find out more details on the Honda Accord maintenance schedule.

Is an extended warranty worth it for the Honda Accord?

All new Honda vehicles come equipped with a standard 3-year/36,000-mile Limited Vehicle Warranty, plus the 5-year/60,000-mile Powertrain Limited Warranty. Genuine Honda accessories are also covered for 3 years or 36,000 miles if they are installed when the new vehicle is purchased. The Accord also comes with a 5-year/Unlimited-miles corrosion warranty and 24/7 emergency roadside assistance.

Honda also offers a few Vehicle Service Contracts, which are essentially extended warranties. They cover components, powertrains and a number of benefits like rental car reimbursement, 24/7 concierge emergency services and more. While the Accord is generally considered a reliable vehicle, these service plans can protect your car once the initial warranty expires.

About the Honda Accord

Honda Accord Insurance FinderThe Honda Accord has been around since 1976, but has been one of the best selling cars in America since 1989. In 2016, there were over 345,000 Honda Accords sold in the United States. The 2017 model was awarded Top Safety Pick+ by the Insurance Institute of Highway Safety and given a 5-Star Overall Rating from the National Highway Safety Administration.

Insurance companies determine the insurance cost for a Honda Accord based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Honda shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Honda Accord shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Random Honda Facts

  • Honda was founded in 1946 and became the world’s biggest motorcycle manufacturer by 1964.
  • Honda prices start at $16,000 and can go up to $60,000.
  • The 2017 Honda Accord, Civic, Fit, HR-V, Pilot, Ridgeline and Odyssey have been awarded 5-Star Overall Vehicle Scores from the National Highway Traffic Safety Administration.
  • Honda cars that were manufactured from 1990 to 2000 are always on the top of the list of the most stolen cars in America.
  • Honda’s vision is to cut collisions in half by the time their 2020 models are released.

Honda Accord car insurance rates

A 2017 Honda Accord starts at a base price of $22,455. With the average insurance rate at $1,836 per year, the annual insurance cost–to–base car price ratio is 8.2%.

Model Monthly insurance rate Base car price
Accord $151 $22,455
Civic $153 $18,740
Clarity $197 $59,365
CR-V $197 $24,045
Fit $145 $16,090
HR-V $147 $19,465
Odyssey $132 $29,850
Pilot $137 $30,745
Ridgeline $191 $29,475

Bottom line

The Honda Accord is a popular midsize sedan that provides a smooth, comfortable drive. It requires little maintenance and comes equipped with a suite of great safety and driver assistance features that add to its appeal. The Accord is a fairly low-risk vehicle that would hold up well in an accident, which could be part of the reason why coverage is affordable. That said, you might be able to reduce the cost of coverage even further by comparing your options to find auto insurance discounts and prices from some of the top providers.

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