Honda Accord Hybrid Insurance Rates

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UPDATED: Apr 12, 2024

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The average insurance rates for a Honda Accord Hybrid are $1,268 a year with full coverage. Comprehensive costs an estimated $258 a year, collision costs $484, and liability insurance is estimated at $390. A liability-only policy costs approximately $438 a year, with high-risk insurance costing around $2,758. Teenage drivers cost the most to insure at $4,770 a year or more.

Average premium for full coverage: $1,268

Policy rates broken down by type of insurance:

Comprehensive $258
Collision $484
Liability $390

Includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Accord Hybrid trim levels.

Price Range Variability

Using a middle-aged driver as an example, Honda Accord Hybrid insurance rates go from as low as $438 for a discount liability-only rate to a high of $2,758 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

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

The examples above demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on average rates.

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.

Rates by State, City, and Model

The chart below details estimated Honda Accord Hybrid insurance rates for other coverage scenarios.

  • The best discount rate is $724
  • Choosing higher $1,000 deductibles can save approximately $1,100 annually
  • The average rate for a good driver age 40 who has $500 deductibles is $1,268
  • Using low $100 deductibles for comp and collision coverage will increase the cost to $1,598
  • High-risk insureds who are prone to accidents and violations could pay up to $2,758 or more
  • Policy cost for full coverage for a teen driver can cost as much as $4,770 each year

View Chart as Image

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

Car insurance rates for a Honda Accord Hybrid also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,700 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda Accord Hybrid insurance rates. A good driver about age 40 could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,710 on average in New York, Michigan, and Florida.

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

Using high physical damage deductibles can save as much as $500 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Find the Cheapest Honda Accord Hybrid Insurance

Finding cheaper rates on Honda Accord Hybrid insurance takes being a good driver, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to comparison shop once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a recap of the data that was touched on in the above illustrations.

  • You may be able to save approximately $150 per year simply by quoting early and online
  • Drivers who want an increased level of liability coverage will pay an extra $430 every year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers age 16 to 20 have the highest car insurance rates, as much as $398 each month if full coverage is included
  • High-risk drivers that have major violations or accidents may pay on average $1,490 more annually than a safer driver

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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