Honda Accord Hybrid Insurance Rates

The average auto insurance rates for a Honda Accord Hybrid are $1,268 annually including full coverage. Comprehensive insurance costs an estimated $258, collision insurance costs $484, and liability costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $2,758 or more. Teenage drivers cost the most to insure at up to $4,770 a year.

Average premium for full coverage: $1,268

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Accord Hybrid models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $724
• Using higher $1,000 deductibles will save approximately $168 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,268
• Using pricier low deductibles for physical damage coverage costs an additional $330 every year
• Drivers who are prone to accidents and violations could pay up to $2,758
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,770 or more

View Chart as Image

Insurance rates for a Honda Accord Hybrid also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,100 additional every year, depending on your age. Honda Accord Hybrid insurance for high-risk drivers can be as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $500 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Honda Accord Hybrid insurance prices. A driver around age 40 might see rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,810 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Low Cost Honda Accord Hybrid Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,490 more annually for car insurance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Teenagers are expensive to insure, with premiums being up to $398 each month if they have full coverage