Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 14, 2022

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Just the Basics

  • Honda Accord insurance can cost about $109 per month, $17 cheaper than the average car
  • Teenagers and other high-risk drivers are subject to the highest rates of $399 per month
  • With discounts, higher deductibles, and a solid driving record, you can save an average of $45 on your monthly bill

We know how exciting it can be to finally land that Honda Accord you’ve had your eye on, but don’t forget one important thing: insurance. You can get Honda Accord car insurance in the form of liability, collision, and comprehensive coverages to keep you and your fellow drivers protected while on the road.

With so many insurers out there, it might seem difficult to narrow down your search. Here, we’ll break down some of the best options for Honda Accord owners. Being aware of average monthly rates, factors that affect your bill, and potential ways to reduce the cost of auto insurance can help you find the Honda Accord insurance option that best fits your needs.

How much does Honda Accord car insurance cost?

On average, Honda Accord insurance can cost $109 per month. However, your monthly rates depend on your situation. You can have discounted rates as low as $64 per month or a young driver rate as high as $399 per month.

You’ll also want to make sure you have enough coverage. Liability insurance is typically required by law in nearly all states, but if you’re financing your vehicle, your lender might require collision and/or comprehensive insurance. Other coverages such as personal injury protection and uninsured/underinsured motorist insurance are required in some states and not others, so make sure you know what policies you need so that you can make the right decisions.

Factors That Affect Honda Accord Car Insurance Rates

Several factors can affect your car insurance rates, including:

  • Your age
  • The age and model of your car
  • Your location
  • Your driving record
  • Your annual mileage
  • Your discount eligibility
  • The safety rating of your car

Make sure you shop around and compare a variety of companies before making a final decision. One company that seems more expensive upfront could be better for your situation if you qualify for any discounts. Try using our free quote tool to compare estimates from top companies.

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How will my age affect my Honda Accord insurance rates?

Your age can drastically affect your car insurance rates. Drivers in their teens and 20s have the highest average rates by far: $399 per month and $249 per month, respectively. From your 30s onward, insurance rates can start at about $114 per month and taper off less dramatically the older you get.

The rates are much higher for young people because they are a statistically high-risk group. Teens in particular are generally fresh out of driving school, lacking the experience necessary to handle stressful situations and properly apply all the rules of the road. Younger drivers are also more likely to engage in more reckless behaviors, such as distracted driving or driving while under the influence. This greatly increases the chance that they’ll be involved in an accident. As the brain matures, the desire to engage in reckless behavior diminishes, so insurance companies offer cheaper rates to older drivers.

How else can I save money on my insurance bill?

Some Honda Accord car insurance costs may be unavoidable. For example, newer cars are always more to insure than their older versions. A 2020 Honda Accord, for instance, costs an average of $18 more per month to insure than a 2010 Honda Accord.

Additionally, some cities have higher insurance rates because there’s a higher incidence of accidents in that location. Los Angeles, CA, for example, has one of the highest average insurance rates of about $187 per month, almost $80 more than the national average. Unless you can move to a lower-risk city, you might be stuck paying a slightly higher bill.

However, due to its high safety ratings, Honda Accords are actually cheaper to insure than the average car. 2022 Honda Accords received a 5-star overall NHTSA safety rating, automatically saving you $17 per month on average.

Clean Driving History

There are also things you can do to keep your monthly bill low. Avoiding infractions and accidents generally has the biggest effect on your rates. Specific types of violations affect costs differently, too. A speeding ticket could cause only a small bump in your insurance bill, while a collision that you’re at fault for could increase it almost by double.

Low Mileage

Can you work from home? Do you have access to public transportation? Wherever you can, choose forms of travel other than driving. Low mileage means you’re spending less time on the road, decreasing the risk of you getting into a car accident. Most insurance companies will grant you lower rates for this.

Discounts

Whenever you can, check to see what discounts are applicable to you. Along with accident-free driving and low mileage discounts, other commonly offered discounts include:

  • Homeowner discounts
  • Multi-car discounts
  • Multi-policy discounts
  • Paperless billing discounts
  • Early bird discounts
  • Student discounts
  • Discounts based on your occupation or veteran status

There might be savings specific to your situation, so take advantage of as many discounts as you can to get the cheapest rates possible.

What insurance companies have good rates for a Honda Accord?

When choosing the right company for you, you’ll want an insurer that offers affordable base rates and applicable discounts so you can save the most money on your auto insurance. Some of the top companies include:

  • State Farm
  • GEICO
  • Progressive
  • Liberty Mutual
  • Allstate

Many of the top insurance companies offer discounts specific to your car’s safety features, so keep an eye out for those extra savings.

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Where can I get the best Honda Accord insurance plans?

Finding the cheapest rates for your Honda Accord can feel daunting, but knowing your options and understanding how your situation affects your rates can help you make an educated decision. After reading this guide, you should feel ready to compare quotes from top insurers.