Are you considering insuring your Honda Accord in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Honda Accord can vary widely based on factors such as your location, driving history, and vehicle model year.
On average, insuring a 2023 Honda Accord costs around $2,335 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Accord might cost slightly less, around $2,200 per year, while insuring a 2018 model could be even more budget-friendly at $1,987 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Honda Accord.
What is the cost to insure your Honda Accord in 2025?
On average, insuring a Honda Accord costs $195 per month – or $2,342 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Honda Accord
Nationwide offers the cheapest car insurance rates for Honda Accord at an average annual cost of $1,876 a year or $156 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Honda Accord
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,876 | $938 | $156 |
| Geico | $1,976 | $988 | $165 |
| State Farm | $2,016 | $1,008 | $168 |
| Progressive | $2,312 | $1,156 | $193 |
| Farmers | $2,776 | $1,388 | $231 |
| Allstate | $3,138 | $1,569 | $262 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Honda Accord car insurance rates by model year
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Honda Accord generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a breakdown of the average annual insurance premiums for different model years of the Honda Accord, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,775 | $887 | $148 |
| 2015 | $1,848 | $924 | $154 |
| 2016 | $1,915 | $957 | $160 |
| 2017 | $1,997 | $999 | $166 |
| 2018 | $1,987 | $994 | $166 |
| 2019 | $2,053 | $1,027 | $171 |
| 2020 | $2,116 | $1,058 | $176 |
| 2021 | $2,200 | $1,100 | $183 |
| 2022 | $2,296 | $1,148 | $191 |
| 2023 | $2,335 | $1,167 | $195 |
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Honda Accord car insurance rates for different trims
When it comes to insuring a Honda Accord, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims like the Accord Hybrid Sport-L, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Honda Accord.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Accord EX | $2,257 | $1,129 | $188 |
| Accord LX | $2,286 | $1,143 | $190 |
| Accord Hybrid EX-L | $2,322 | $1,161 | $194 |
| Accord Hybrid Touring | $2,357 | $1,178 | $196 |
| Accord Hybrid Sport | $2,400 | $1,200 | $200 |
| Accord Hybrid Sport-L | $2,428 | $1,214 | $202 |
Honda Accord insurance rates: State-by-state breakdown
The cost of insuring a Honda Accord vehicle can differ from state to state. State-specific regulations primarily influence it, the cost of vehicle repairs and car theft rates.
The table below shows the car insurance rates for the Honda Accord by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,281 | $1,140 | $190 |
| Alabama | $2,232 | $1,116 | $186 |
| Arkansas | $2,480 | $1,240 | $207 |
| Arizona | $2,235 | $1,117 | $186 |
| California | $2,987 | $1,493 | $249 |
| Colorado | $3,031 | $1,515 | $253 |
| Connecticut | $2,356 | $1,178 | $196 |
| Washington, D.C. | $2,869 | $1,435 | $239 |
| Delaware | $2,355 | $1,178 | $196 |
| Florida | $2,955 | $1,478 | $246 |
| Georgia | $2,866 | $1,433 | $239 |
| Hawaii | $1,490 | $745 | $124 |
| Iowa | $1,914 | $957 | $160 |
| Idaho | $1,505 | $753 | $125 |
| Illinois | $2,227 | $1,114 | $186 |
| Indiana | $2,088 | $1,044 | $174 |
| Kansas | $2,381 | $1,190 | $198 |
| Kentucky | $2,904 | $1,452 | $242 |
| Louisiana | $3,921 | $1,961 | $327 |
| Massachusetts | $2,135 | $1,068 | $178 |
| Maryland | $2,181 | $1,091 | $182 |
| Maine | $1,606 | $803 | $134 |
| Michigan | $3,040 | $1,520 | $253 |
| Minnesota | $2,611 | $1,305 | $218 |
| Missouri | $2,727 | $1,363 | $227 |
| Mississippi | $2,474 | $1,237 | $206 |
| Montana | $2,502 | $1,251 | $209 |
| North Carolina | $2,041 | $1,020 | $170 |
| North Dakota | $2,045 | $1,023 | $170 |
| Nebraska | $2,422 | $1,211 | $202 |
| New Hampshire | $1,769 | $884 | $147 |
| New Jersey | $2,278 | $1,139 | $190 |
| New Mexico | $2,438 | $1,219 | $203 |
| Nevada | $2,329 | $1,164 | $194 |
| New York | $1,687 | $844 | $141 |
| Ohio | $1,608 | $804 | $134 |
| Oklahoma | $2,516 | $1,258 | $210 |
| Oregon | $2,270 | $1,135 | $189 |
| Pennsylvania | $2,439 | $1,219 | $203 |
| Rhode Island | $2,735 | $1,367 | $228 |
| South Carolina | $2,211 | $1,105 | $184 |
| South Dakota | $2,792 | $1,396 | $233 |
| Tennessee | $2,541 | $1,271 | $212 |
| Texas | $3,357 | $1,678 | $280 |
| Utah | $1,911 | $956 | $159 |
| Virginia | $1,756 | $878 | $146 |
| Vermont | $1,645 | $822 | $137 |
| Washington | $2,016 | $1,008 | $168 |
| Wisconsin | $1,763 | $882 | $147 |
| West Virginia | $2,196 | $1,098 | $183 |
| Wyoming | $2,390 | $1,195 | $199 |
How your age impacts Honda Accord insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,585 | $4,293 | $715 |
| Adults | $2,342 | $1,171 | $195 |
The bottom line
It’s essential to know how much it will cost to insure your Honda Accord so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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