Honda Accord Insurance Cost & Cheap Quotes (2022)

icon Your information is secure with us and solely used to connect you to relevant insurance offers, companies and services.

Honda Accord was classified as a compact car between 1976 and 1989. As American demand for larger cars increased, Honda Motors decided to make the Accord their flagship mid-size car model where Honda Civic replaced the Accord as Honda's premier compact vehicle. 

Since its shift to being a mid-size car in 1989, the Honda Accord has grown to be one of the most popular sedans on the market. The Honda Accord features a spacious trunk, plenty of headroom, and room to stretch your legs, making it an excellent vehicle for a road trip with family and friends. It also provides superior reliability, fun performance (with Honda's patented VTEC engines), and has maintained a sporty styling that makes it appealing to young and older drivers alike.

If you're curious about Honda Accord car insurance rates or you're wondering whether or not this car is a good choice for you or your family members, then you've come to the right place. Below, we'll be discussing Honda Accord Car insurance cost based on data obtained from average drivers in the United States. We'll also answer some of the most frequently asked questions from our readers regarding insuring their new and used Accords. If you have a certain question that we missed and didn't answer, feel free to get in touch with us, and we will do our best to add it to the page as fast as we can!


Average Honda Accord Insurance Rates By Model Year

  • 2008 Honda Accord Insurance Cost: $1,044 per year

  • 2009 Honda Accord Insurance Cost: $1,072 per year

  • 2010 Honda Accord Insurance Cost: $1,106 per year

  • 2011 Honda Accord Insurance Cost: $1,126 per year

  • 2012 Honda Accord Insurance Cost: $1,144 per year

  • 2013 Honda Accord Insurance Cost: $1,188 per year

  • 2014 Honda Accord Insurance Cost: $1,246 per year

  • 2015 Honda Accord Insurance Cost: $1,266 per year

  • 2016 Honda Accord Insurance Cost: $1,300 per year

  • 2017 Honda Accord Insurance Cost: $1,318 per year

  • 2018 Honda Accord Insurance Cost: $1,360 per year

  • 2019 Honda Accord Insurance Cost: $1,384 per year

  • 2020 Honda Accord Insurance Cost: $1,405 per year

  • 2021 Honda Accord Insurance Cost: $1,498 per year

  • 2022 Honda Accord Insurance Cost: $1,500 per year

Compare Honda Accord Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Rank and Review Insurance Companies

Help others make better decisions

Show more

Honda Accord Car Insurance FAQs

According to a recent article by US News, the Honda Accord is currently the most popular midsize sedan in America. That being said, we get tons of questions regarding this, its average cost of auto insurance, how it compares to other popular mid-size sedans, and how to get the best car insurance rates.

Below, we've compiled some of the most common questions and have done our best to answer them truthfully based on the latest data available.

Is Honda Accord Expensive to Insure?

Believe it or not, Honda Accords are actually cheaper to insure than other small compact cars such as the Toyota Civic or the Nissan Sentra. Although the Accord is larger and more expensive than both of those other popular models, it's loaded with tons of safety features that the smaller cars don't have.

This, combined with the fact that Accords are statistically involved in fewer accidents, means that insurance costs for an Accord are significantly more affordable. In fact, we'd go so far as to see that a new Honda Accord is easily one of the most affordable vehicles to insure in the entire country!

How Much Is Car Insurance On A Honda Accord?

The average cost to insure a new 2022 Honda Accord is around $1,500 per year. That translates to just about $125 per month in premium fees, not including whatever sign-up fees the agent imposes. For a full coverage policy that includes comprehensive, collision, and other goodies, this is an incredible deal!

If you decide that you don't need the full coverage policy and opt for a basic liability policy instead, then you may only pay between $415 and $521 per year, depending on your state's minimum insurance coverage requirements.

Is Toyota or Honda Cheaper to Insure?

Generally speaking, Hondas are cheaper to insure than Toyotas. Although the two manufacturers offer a similar quality, value, and pricing, the Honda wins based on average statistics. For example, a 2022 Honda Accord costs an average of $1,500 per year to insure.

Conversely, a 2022 Toyota Camry costs an average of $1,532 per year to insure. Although the difference is negligible, it's still worth mentioning if you want to make the most informed purchase.

Do Honda Accords Get Good Crash Test Ratings?

Yes! In addition to a superior airbag system that's designed to withstand impact from any side or from the front and back, the vehicle also has a number of intuitive safety features. Suffice to say that if you are unfortunate enough to get into a wreck with this car, you'll be well protected. In fact, the 2022 Honda Accord was ranked as a Top Pick for IIHS (The Insurance Institute For Highway Safety) along with the Camry and the Hyundai Elantra

As you would think, the high safety ratings also affect your Honda Accord Insurance rates! Since there are more safety features on the vehicle to help prevent an accident or decrease the amount of damage sustained in an accident, you pose a lower risk to insurance companies. This means that you'll get a better deal on insurance than if you had purchased a similarly-priced vehicle with fewer safety features.

Honda Accord Sport 2.0 T Insurance Compared to Basic Trim

One of the reasons why the Honda Accord has had such a successful history is that it has several different trim models. One of the most popular trim models is the 2.0 T. This model features a slightly larger engine and, of course, a turbocharger to go with it! In addition to the boost in horsepower, the 2.0 T also comes with a premium interior, a fully digital screen, and comes in more sporty colors as well.

That being said, the 2.0 T costs about $6,000 more, which means there's more car to insure, and usually causing your Honda Accord insurance rates to go up. In addition to the higher price tag on the vehicle, the car also produces significantly more horsepower, which increases your risk level as a driver, and can be another factor that drives the price up.

Compare Honda Accord Insurance Quotes

Get all the best quotes from leading providers in a click of a button!

Recent Reviews

Recent Posts