Honda Accord Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: Apr 12, 2024

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Average auto insurance rates for a Honda Accord Hybrid are $1,268 annually for full coverage. Comprehensive insurance costs an estimated $258, collision insurance costs $484, and liability costs $390. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs $2,758 or more. 16-year-old drivers receive the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,268

Rate estimates broken down by individual coverage type:

Comprehensive $258
Collision $484
Liability $390

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Accord Hybrid models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range range from as cheap as $438 for just the minimum liability insurance to the much higher price of $2,758 for a high-risk insurance policy.

Liability Only $438
Full Coverage $1,268
High Risk $2,758

Price Range by Location

Your location can make a big difference on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The example below illustrates the difference location can make on insurance prices.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

These examples show why everyone should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below shows average Honda Accord Hybrid insurance rates for other coverage scenarios.

  • The best full coverage rate is $724
  • Drivers who choose higher $1,000 deductibles will pay approximately $168 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,268
  • Buying pricier low deductibles for comprehensive and collision insurance costs an additional $330 annually
  • Drivers with multiple tickets or accidents could pay up to $2,758
  • The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $4,770 a year

View Chart as Image

Honda Accord Hybrid insurance cost comparison chart
Column chart showing Honda Accord Hybrid insurance prices range from $724 to $4,770 for full coverage

Auto insurance rates for a Honda Accord Hybrid can also vary considerably based on the trim level of your Accord Hybrid, your driver profile, and liability limits and deductibles.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. Honda Accord Hybrid insurance for high-risk drivers can cost from 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $500 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Honda Accord Hybrid insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,810 on average in New York, Louisiana, and Michigan.

Honda Accord Hybrid Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,148 -$120 -9.5%
Alaska $974 -$294 -23.2%
Arizona $1,052 -$216 -17.0%
Arkansas $1,268 -$0 0.0%
California $1,446 $178 14.0%
Colorado $1,210 -$58 -4.6%
Connecticut $1,304 $36 2.8%
Delaware $1,434 $166 13.1%
Florida $1,586 $318 25.1%
Georgia $1,174 -$94 -7.4%
Hawaii $912 -$356 -28.1%
Idaho $860 -$408 -32.2%
Illinois $946 -$322 -25.4%
Indiana $958 -$310 -24.4%
Iowa $856 -$412 -32.5%
Kansas $1,206 -$62 -4.9%
Kentucky $1,732 $464 36.6%
Louisiana $1,878 $610 48.1%
Maine $784 -$484 -38.2%
Maryland $1,048 -$220 -17.4%
Massachusetts $1,012 -$256 -20.2%
Michigan $2,204 $936 73.8%
Minnesota $1,064 -$204 -16.1%
Mississippi $1,520 $252 19.9%
Missouri $1,128 -$140 -11.0%
Montana $1,362 $94 7.4%
Nebraska $1,000 -$268 -21.1%
Nevada $1,522 $254 20.0%
New Hampshire $916 -$352 -27.8%
New Jersey $1,418 $150 11.8%
New Mexico $1,124 -$144 -11.4%
New York $1,336 $68 5.4%
North Carolina $730 -$538 -42.4%
North Dakota $1,040 -$228 -18.0%
Ohio $874 -$394 -31.1%
Oklahoma $1,304 $36 2.8%
Oregon $1,162 -$106 -8.4%
Pennsylvania $1,208 -$60 -4.7%
Rhode Island $1,692 $424 33.4%
South Carolina $1,150 -$118 -9.3%
South Dakota $1,070 -$198 -15.6%
Tennessee $1,110 -$158 -12.5%
Texas $1,530 $262 20.7%
Utah $940 -$328 -25.9%
Vermont $868 -$400 -31.5%
Virginia $760 -$508 -40.1%
Washington $980 -$288 -22.7%
West Virginia $1,164 -$104 -8.2%
Wisconsin $876 -$392 -30.9%
Wyoming $1,130 -$138 -10.9%

View Chart as Image

Honda Accord Hybrid insurance rates by U.S. city
Honda Accord Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Accord Hybrid $346 $690 $332 $1,504
2023 Honda Accord Hybrid $332 $686 $338 $1,492
2022 Honda Accord Hybrid $320 $668 $354 $1,478
2021 Honda Accord Hybrid $310 $640 $364 $1,450
2019 Honda Accord Hybrid $282 $574 $384 $1,376
2018 Honda Accord Hybrid $270 $540 $388 $1,334
2017 Honda Accord Hybrid $258 $484 $390 $1,268
2016 Honda Accord Hybrid $242 $446 $390 $1,214

Rates are averaged for all Honda Accord Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Honda Accord Hybrid Insurance

Saving money on insurance for a Honda Accord Hybrid not only requires avoiding accidents and violations, but also having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Make time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a summary of the car insurance concepts touched on in this article.

  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,490 more annually for car insurance
  • Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $500 each year
  • Insureds who want higher liability limits will pay around $430 each year to go from a minimum limit to higher 250/500 limits

Rates by Driver Age

Honda Accord Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $4,770
20 $2,940
30 $1,322
40 $1,268
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,598
$250 $1,444
$500 $1,268
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,268
50/100 $1,346
100/300 $1,444
250/500 $1,697
100 CSL $1,385
300 CSL $1,600
500 CSL $1,756

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $6,812
20 $4,684
30 $2,818
40 $2,758
50 $2,634
60 $2,610

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $180

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $68
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $83
Paid in Full/EFT $58
Advance Quote $63
Online Quote $91
Total Discounts $544
Rate after discounts $724

Discounts are estimated and may not be available from every company or in every state.

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