Honda Accord Hybrid Insurance Rates
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UPDATED: Apr 12, 2024
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Average insurance rates for a Honda Accord Hybrid are $1,334 a year for full coverage insurance. Comprehensive insurance costs around $270 each year, collision costs $540, and liability coverage costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $2,906 or more. 16-year-old drivers receive the highest rates at $4,984 a year or more.
Average premium for full coverage: $1,334
Rate estimates for individual coverage type:
Estimates include $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and Accord Hybrid models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as low as $434 for just liability coverage to a high rate of $2,906 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than congested cities.
The graphic below illustrates how where you live affects auto insurance rates.
These examples illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below illustrates estimated Honda Accord Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $753
- Using higher $1,000 deductibles will save about $182 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,334
- Buying low deductibles for physical damage coverage will cost an extra $360 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,906 or more
- The cost for full coverage for a teenage driver can be $4,984 or more
Insurance rates for a Honda Accord Hybrid can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $4,900 a year. View Rates by Age
Where you live has a huge impact on Honda Accord Hybrid insurance rates. A driver around age 40 might see rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,800 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,204 | -$130 | -9.7% |
| Alaska | $1,020 | -$314 | -23.5% |
| Arizona | $1,106 | -$228 | -17.1% |
| Arkansas | $1,334 | -$0 | 0.0% |
| California | $1,520 | $186 | 13.9% |
| Colorado | $1,272 | -$62 | -4.6% |
| Connecticut | $1,370 | $36 | 2.7% |
| Delaware | $1,508 | $174 | 13.0% |
| Florida | $1,666 | $332 | 24.9% |
| Georgia | $1,234 | -$100 | -7.5% |
| Hawaii | $958 | -$376 | -28.2% |
| Idaho | $902 | -$432 | -32.4% |
| Illinois | $992 | -$342 | -25.6% |
| Indiana | $1,006 | -$328 | -24.6% |
| Iowa | $898 | -$436 | -32.7% |
| Kansas | $1,266 | -$68 | -5.1% |
| Kentucky | $1,818 | $484 | 36.3% |
| Louisiana | $1,974 | $640 | 48.0% |
| Maine | $822 | -$512 | -38.4% |
| Maryland | $1,100 | -$234 | -17.5% |
| Massachusetts | $1,064 | -$270 | -20.2% |
| Michigan | $2,312 | $978 | 73.3% |
| Minnesota | $1,116 | -$218 | -16.3% |
| Mississippi | $1,598 | $264 | 19.8% |
| Missouri | $1,184 | -$150 | -11.2% |
| Montana | $1,430 | $96 | 7.2% |
| Nebraska | $1,050 | -$284 | -21.3% |
| Nevada | $1,598 | $264 | 19.8% |
| New Hampshire | $962 | -$372 | -27.9% |
| New Jersey | $1,490 | $156 | 11.7% |
| New Mexico | $1,178 | -$156 | -11.7% |
| New York | $1,402 | $68 | 5.1% |
| North Carolina | $768 | -$566 | -42.4% |
| North Dakota | $1,090 | -$244 | -18.3% |
| Ohio | $918 | -$416 | -31.2% |
| Oklahoma | $1,366 | $32 | 2.4% |
| Oregon | $1,222 | -$112 | -8.4% |
| Pennsylvania | $1,272 | -$62 | -4.6% |
| Rhode Island | $1,776 | $442 | 33.1% |
| South Carolina | $1,208 | -$126 | -9.4% |
| South Dakota | $1,124 | -$210 | -15.7% |
| Tennessee | $1,164 | -$170 | -12.7% |
| Texas | $1,606 | $272 | 20.4% |
| Utah | $986 | -$348 | -26.1% |
| Vermont | $910 | -$424 | -31.8% |
| Virginia | $798 | -$536 | -40.2% |
| Washington | $1,028 | -$306 | -22.9% |
| West Virginia | $1,224 | -$110 | -8.2% |
| Wisconsin | $920 | -$414 | -31.0% |
| Wyoming | $1,186 | -$148 | -11.1% |
Opting for high physical damage deductibles could cut rates by as much as $550 a year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can be around 44% to 133% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Honda Accord Hybrid | $362 | $718 | $316 | $1,532 |
| 2023 Honda Accord Hybrid | $346 | $690 | $332 | $1,504 |
| 2022 Honda Accord Hybrid | $332 | $686 | $338 | $1,492 |
| 2021 Honda Accord Hybrid | $320 | $668 | $354 | $1,478 |
| 2020 Honda Accord Hybrid | $310 | $640 | $364 | $1,450 |
| 2019 Honda Accord Hybrid | $292 | $618 | $376 | $1,422 |
| 2018 Honda Accord Hybrid | $282 | $574 | $384 | $1,376 |
| 2017 Honda Accord Hybrid | $270 | $540 | $388 | $1,334 |
| 2016 Honda Accord Hybrid | $258 | $484 | $390 | $1,268 |
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 Find Low Cost Honda Accord Hybrid Insurance
Saving money on auto insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop once a year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The following is a review of the data that was touched on in the above illustrations.
- It is possible to save up to $160 per year simply by quoting online in advance
- Consumers who may need higher liability limits will pay around $430 annually to increase from a minimum limit to 250/500 limits
- Teens are charged the highest rates, costing up to $415 per month including comprehensive and collision insurance
- Drivers who have several accidents or serious violations may pay on average $1,570 more every year for Accord Hybrid insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,984 |
| 20 | $3,100 |
| 30 | $1,392 |
| 40 | $1,334 |
| 50 | $1,220 |
| 60 | $1,200 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,694 |
| $250 | $1,526 |
| $500 | $1,334 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,334 |
| 50/100 | $1,412 |
| 100/300 | $1,509 |
| 250/500 | $1,761 |
| 100 CSL | $1,450 |
| 300 CSL | $1,664 |
| 500 CSL | $1,819 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,134 |
| 20 | $4,942 |
| 30 | $2,970 |
| 40 | $2,906 |
| 50 | $2,772 |
| 60 | $2,750 |
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 | $72 |
| Multi-vehicle | $72 |
| Homeowner | $20 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $63 |
| Advance Quote | $68 |
| Online Quote | $96 |
| Total Discounts | $581 |
Discounts are estimated and may not be available from every company or in every state.
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