Honda Accord Hybrid Insurance Rates

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2016 Honda Accord Hybrid Insurance Quotes in 2025 – 8 Savings Tips

Want better car insurance rates for your Honda Accord Hybrid? Expensive Honda Accord Hybrid insurance can eat up your bank account and make it hard to pay other bills. Getting a rate comparison is a great way to tighten up your finances. People have many insurers to choose from, and although it's nice to have a selection, so many choices can make it hard to locate the cheapest rates. This articl...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Apr 12, 2024

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Estimated auto insurance rates for a Honda Accord Hybrid are $1,268 annually for full coverage insurance. Comprehensive costs approximately $258 each year, collision insurance costs $484, and liability insurance costs around $390. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $2,758. 16-year-old drivers pay the most at up to $4,770 a year.

Average premium for full coverage: $1,268

Premium estimates by type of coverage:

Comprehensive $258
Collision $484
Liability $390

Estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Accord Hybrid models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Honda Accord Hybrid range from as cheap as $438 for basic liability insurance to a high rate of $2,758 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.

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

These rate differences illustrate why all drivers should compare prices using their specific location and their own personal driving habits, rather than relying 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.

Rate Comparisons

The chart below illustrates average Honda Accord Hybrid insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $724
  • Using higher $1,000 deductibles will save $168 each year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,268
  • Buying low deductibles for physical damage coverage will cost $1,598
  • Drivers with multiple tickets or accidents could pay around $2,758
  • An auto insurance policy with full coverage for a teen driver can cost $4,770 or more

View Chart as Image

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

Insurance prices for a Honda Accord Hybrid also have a wide range based on the model of your Accord Hybrid, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $500 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Honda Accord Hybrid insurance rates. A driver around age 40 might see prices as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,710 on average in Florida, New York, 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
2020 Honda Accord Hybrid $292 $618 $376 $1,422
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 Low Cost Honda Accord Hybrid Insurance

Finding better rates on Honda Accord Hybrid insurance requires having a good driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a review of the concepts that were presented in the illustrations above.

  • High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,490 more per year to buy Honda Accord Hybrid insurance
  • Drivers age 20 and younger are expensive to insure, with premiums being up to $398 per month including comprehensive and collision insurance
  • It is possible to save around $150 per year just by quoting online in advance
  • Increasing policy deductibles could save up to $500 each year
  • It is possible to save around $150 per year just by quoting online in advance

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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