Honda Accord Hybrid Insurance Rates
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UPDATED: Apr 12, 2024
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Estimated auto insurance rates for a Honda Accord Hybrid are $1,268 annually including full coverage. Comprehensive costs around $258, collision insurance costs $484, and liability coverage is estimated at $390. A liability-only policy costs approximately $438 a year, and high-risk insurance costs around $2,758. Teen drivers pay the most at up to $4,770 a year.
Average premium for full coverage: $1,268
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Accord Hybrid models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Honda Accord Hybrid range from as cheap as $438 for liability-only coverage to the much higher price of $2,758 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.
These rate differences highlight why everyone should get quotes for a specific zip code and their own personal driving habits, rather than using price 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 Charts and Tables
The chart below breaks down average Honda Accord Hybrid insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $724
- Choosing higher $1,000 deductibles can save about $168 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,268
- Choosing pricier low deductibles for comp and collision coverage will cost $1,598
- Drivers with multiple violations and an at-fault accident could pay at least $2,758
- An auto insurance policy with full coverage for a teenage driver for full coverage can be $4,770 each year
Auto insurance prices for a Honda Accord Hybrid also have a wide range based on the model of your Accord Hybrid, your driving characteristics, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Honda Accord Hybrid insurance for high-risk drivers ranges around 44% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $500 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Honda Accord Hybrid insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,810 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Affordable Honda Accord Hybrid Insurance
Finding better rates on auto insurance takes avoiding accidents and violations, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The list below is a brief review of the data touched on above.
- Consumers who may need higher liability limits will pay about $430 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save up to $500 each year
- Teenagers are expensive to insure, with the cost nearing $398 per month if full coverage is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,598 |
| $250 | $1,444 |
| $500 | $1,268 |
| $1,000 | $1,100 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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