Honda Accord Car Insurance Quotes (2025)
Car insurance for a Honda Accord costs an average of $154 per month.
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In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Table of contents
The average cost of car insurance for Honda Accords is $107 for liability-only car insurance and $201 for a full-coverage policy. The Honda Accord is a popular vehicle — it’s one of the bestselling vehicles over the last 10 years and has won Car and Driver’s 10Best award 39 times.[1]
The type of car you drive affects your car insurance rates. Here’s what you should know about Honda Accord car insurance costs.
Quick Facts
Average insurance rates for the Honda Accord are similar to the nationwide averages across all vehicle types.
Honda Accord MSRP rates have increased by approximately $6,000 since 2012.
USAA, GEICO, and State Farm offer some of the most affordable car insurance rates for Honda Accords.
Cost of Honda Accord insurance by model year
The national average cost of car insurance is $139 per month. USAA has consistently offered the lowest average rates for car insurance for older models and the latest model year of Honda Accords.
Check out monthly car insurance costs for different Honda Accord model years in the table below.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $200 |
| 2024 | $200 |
| 2023 | $196 |
| 2022 | $195 |
| 2021 | $185 |
| 2020 | $181 |
| 2019 | $174 |
| 2018 | $166 |
| 2017 | $164 |
| 2016 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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The 2025 Honda Accord has a starting MSRP of $29,445 for the LX trim and $31,710 for the SE trim.[2] In the table below, you can see average monthly insurance costs for this model year from different insurance companies.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $63 $132 GEICO $73 $156 State Farm $74 $157 Allstate $82 $175 American Family $94 $204 Nationwide $116 $242 Travelers $122 $255 Progressive $132 $203 Farmers $146 $310 Liberty Mutual $231 $332 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The starting MSRP for the Honda Accord ranges from $29,045 to $31,060, depending on the trim level you choose. Check out average car insurance costs for this model year in the table below.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $63 $132 GEICO $73 $156 State Farm $74 $157 Allstate $82 $175 American Family $94 $204 Nationwide $116 $242 Travelers $122 $255 Progressive $132 $203 Farmers $146 $310 Liberty Mutual $231 $332 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 Honda Accord has an MSRP between $28,390 and $30,705 depending on the trim level.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $62 $129 GEICO $71 $153 State Farm $72 $154 Allstate $80 $171 American Family $92 $200 Nationwide $113 $237 Travelers $120 $250 Progressive $129 $199 Farmers $144 $304 Liberty Mutual $227 $326 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2022 Honda Accord has an MSRP starting at $27,615 for the LX Sedan and $39,545 for the Touring Sedan.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $62 $129 GEICO $71 $152 State Farm $72 $154 Allstate $80 $171 American Family $92 $200 Nationwide $113 $236 Travelers $119 $249 Progressive $129 $198 Farmers $143 $303 Liberty Mutual $226 $324 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2021 Honda Accord had an original starting MSRP ranging from $25,985 for the LX Sedan to $37,915 for the Touring Sedan.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $59 $122 GEICO $67 $145 State Farm $69 $146 Allstate $76 $162 American Family $87 $189 Nationwide $107 $224 Travelers $113 $237 Progressive $122 $188 Farmers $136 $288 Liberty Mutual $214 $308 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original starting MSRP for the 2020 Honda Accord ranged from $25,225 to $37,335, depending on the trim level.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $57 $119 GEICO $66 $141 State Farm $67 $142 Allstate $74 $158 American Family $85 $185 Nationwide $105 $219 Travelers $111 $231 Progressive $119 $183 Farmers $132 $281 Liberty Mutual $209 $300 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2019 Honda Accord’s original starting MSRP was $24,675 for the LX Sedan and $36,905 for the Touring Sedan.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $55 $114 GEICO $63 $135 State Farm $64 $137 Allstate $71 $152 American Family $82 $177 Nationwide $100 $210 Travelers $106 $222 Progressive $114 $176 Farmers $127 $270 Liberty Mutual $201 $288 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2018 Honda Accord had an original MSRP ranging from $24,465 to $34,695, depending on the trim level.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $52 $109 GEICO $60 $129 State Farm $61 $130 Allstate $68 $145 American Family $78 $169 Nationwide $96 $200 Travelers $101 $212 Progressive $109 $168 Farmers $121 $257 Liberty Mutual $192 $275 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on the trim level, the 2017 Honda Accord has an original MSRP between $24,145 and $35,820.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $52 $108 GEICO $59 $128 State Farm $61 $129 Allstate $67 $143 American Family $77 $167 Nationwide $95 $198 Travelers $100 $209 Progressive $108 $166 Farmers $120 $254 Liberty Mutual $189 $272 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2016 Honda Accord has an original MSRP ranging from $23,840 to $35,515.
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageUSAA $50 $104 GEICO $57 $123 State Farm $58 $124 Allstate $64 $137 American Family $74 $161 Nationwide $91 $190 Travelers $96 $201 Progressive $104 $159 Farmers $115 $244 Liberty Mutual $182 $261 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Honda insurance by state
Where you live is one of many factors that determine how much you pay for car insurance. In the chart below, you can see how much Honda insurance costs in each state across all Honda models.
Full-Coverage Rates by State
State | Average Monthly Quote: Full Coverage |
|---|---|
| Alabama | $136 |
| Arizona | $167 |
| Arkansas | $246 |
| California | $231 |
| Colorado | $211 |
| Connecticut | $321 |
| Delaware | $236 |
| Florida | $220 |
| Georgia | $239 |
| Idaho | $120 |
| Illinois | $163 |
| Indiana | $138 |
| Iowa | $116 |
| Kansas | $158 |
| Kentucky | $208 |
| Louisiana | $212 |
| Maine | $144 |
| Maryland | $325 |
| Massachusetts | $171 |
| Michigan | $265 |
| Minnesota | $187 |
| Mississippi | $199 |
| Missouri | $185 |
| Montana | $159 |
| Nebraska | $168 |
| Nevada | $269 |
| New Hampshire | $108 |
| New Jersey | $171 |
| New Mexico | $152 |
| New York | $451 |
| North Carolina | $90 |
| North Dakota | $132 |
| Ohio | $124 |
| Oklahoma | $171 |
| Oregon | $154 |
| Pennsylvania | $166 |
| Rhode Island | $141 |
| South Carolina | $258 |
| South Dakota | $124 |
| Tennessee | $143 |
| Texas | $226 |
| Utah | $175 |
| Vermont | $145 |
| Virginia | $184 |
| Washington | $153 |
| District of Columbia | $329 |
| West Virginia | $150 |
| Wisconsin | $127 |
| Wyoming | $114 |
Source: Alaska and Hawaii omitted due to insufficient data.
How to ensure you have enough coverage on your Honda Accord
When buying a Honda Accord, you should make sure to purchase your state’s minimum level of required car insurance. This usually includes bodily injury liability and property damage liability to cover any injuries or damage you cause to other drivers or their property in an accident.
You may also want to consider adding optional coverages to your insurance policy to better protect your finances, such as:
Collision coverage
Collision coverage reimburses you for physical damage to your car when you collide with another vehicle or object, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damages to your vehicle from non-collision events, including damage from weather, fire, theft, vandalism, falling objects, and contact with animals.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage reimburses you if you’re hit by an uninsured, underinsured, or hit-and-run driver. It’s typically optional in most states but may be especially helpful in places like Florida, where many drivers don’t have insurance.[3]
Honda Accord car insurance FAQs
Honda Accord insurance rates vary based on different factors, like driver age, safety features, ZIP code, location, discounts, driving record, good credit, and more. Below, you’ll find answers to some of the most commonly asked questions from Honda Accord owners.
USAA offers the cheapest Honda Accord auto insurance rates for vehicle years between 2016 and 2025. GEICO and State Farm also offer cheap car insurance rates for Accords compared to many other insurers. Remember that your rates may be higher or lower than the average, depending on your driving history and driver profile.
Honda Accords are more expensive to insure than some similar cars in their class, though they’re still comparatively affordable. For example, the Toyota Camry’s average rates are slightly higher than the Honda Accord’s. Other vehicles, like the Ford Mustang, are significantly more expensive to insure than Accords.
The average monthly price for a liability-only policy for the 2025 Honda Accord is $141 per month, while the average monthly price for a full-coverage policy is $258. Liability-only policies are often cheaper than full-coverage policies because they only provide a minimum amount of coverage as required by state law. But full-coverage policies include helpful optional coverages.
Honda Accord insurance may be higher than similar vehicles produced by other manufacturers in the same year for various reasons. The MSRP of an Accord is higher than a Camry’s and a Sonata’s, for example, which could increase the price. Certain Top Safety Pick features may not be available on some Accords, which could also have an effect on the total price.
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Sources
- Honda. "Honda Accord Timeline and Milestones."
- Kelley Blue Book. "2025 Honda Accord."
- Orlando Sentinel. "More than 20% of Florida drivers are uninsured, new study says."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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