Honda Accord Hybrid Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 12, 2024
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Average insurance rates for a Honda Accord Hybrid are $1,214 a year including full coverage. Comprehensive insurance costs approximately $242 each year, collision insurance costs $446, and liability costs $390. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $2,636 or more. 16-year-old drivers receive the highest rates at up to $4,592 a year.
Average premium for full coverage: $1,214
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Accord Hybrid models.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $438 for the bare minimum liability coverage to a high rate of $2,636 for a driver that may need high-risk insurance.
Price Range by Location
Your location can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how location impacts auto insurance prices.
These examples highlight why all drivers should compare rates using their specific location and risk profile, instead of making a decision based 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.
Additional Rate Information
The chart below breaks down average Honda Accord Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $696
- Drivers who choose higher $1,000 deductibles will pay $156 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,214
- Buying low deductibles for comprehensive and collision insurance will cost an extra $304 annually
- Drivers with multiple tickets or accidents could pay around $2,636
- The cost for full coverage for a 16-year-old driver can cost $4,592 a year
Insurance rates for a Honda Accord Hybrid can also vary considerably based on your driver profile, the model of your Accord Hybrid, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age
Where you live makes a big difference in Honda Accord Hybrid insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,730 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,096 | -$118 | -9.7% |
| Alaska | $932 | -$282 | -23.2% |
| Arizona | $1,006 | -$208 | -17.1% |
| Arkansas | $1,214 | -$0 | 0.0% |
| California | $1,384 | $170 | 14.0% |
| Colorado | $1,158 | -$56 | -4.6% |
| Connecticut | $1,246 | $32 | 2.6% |
| Delaware | $1,372 | $158 | 13.0% |
| Florida | $1,514 | $300 | 24.7% |
| Georgia | $1,124 | -$90 | -7.4% |
| Hawaii | $872 | -$342 | -28.2% |
| Idaho | $822 | -$392 | -32.3% |
| Illinois | $904 | -$310 | -25.5% |
| Indiana | $914 | -$300 | -24.7% |
| Iowa | $820 | -$394 | -32.5% |
| Kansas | $1,154 | -$60 | -4.9% |
| Kentucky | $1,656 | $442 | 36.4% |
| Louisiana | $1,796 | $582 | 47.9% |
| Maine | $750 | -$464 | -38.2% |
| Maryland | $1,002 | -$212 | -17.5% |
| Massachusetts | $968 | -$246 | -20.3% |
| Michigan | $2,106 | $892 | 73.5% |
| Minnesota | $1,018 | -$196 | -16.1% |
| Mississippi | $1,454 | $240 | 19.8% |
| Missouri | $1,078 | -$136 | -11.2% |
| Montana | $1,302 | $88 | 7.2% |
| Nebraska | $956 | -$258 | -21.3% |
| Nevada | $1,454 | $240 | 19.8% |
| New Hampshire | $876 | -$338 | -27.8% |
| New Jersey | $1,356 | $142 | 11.7% |
| New Mexico | $1,072 | -$142 | -11.7% |
| New York | $1,278 | $64 | 5.3% |
| North Carolina | $700 | -$514 | -42.3% |
| North Dakota | $994 | -$220 | -18.1% |
| Ohio | $836 | -$378 | -31.1% |
| Oklahoma | $1,246 | $32 | 2.6% |
| Oregon | $1,112 | -$102 | -8.4% |
| Pennsylvania | $1,154 | -$60 | -4.9% |
| Rhode Island | $1,618 | $404 | 33.3% |
| South Carolina | $1,100 | -$114 | -9.4% |
| South Dakota | $1,024 | -$190 | -15.7% |
| Tennessee | $1,062 | -$152 | -12.5% |
| Texas | $1,462 | $248 | 20.4% |
| Utah | $898 | -$316 | -26.0% |
| Vermont | $830 | -$384 | -31.6% |
| Virginia | $726 | -$488 | -40.2% |
| Washington | $936 | -$278 | -22.9% |
| West Virginia | $1,112 | -$102 | -8.4% |
| Wisconsin | $838 | -$376 | -31.0% |
| Wyoming | $1,080 | -$134 | -11.0% |
Opting for high physical damage deductibles could save up to $460 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $351 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 138% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Honda Accord Hybrid | $332 | $686 | $338 | $1,492 |
| 2023 Honda Accord Hybrid | $320 | $668 | $354 | $1,478 |
| 2022 Honda Accord Hybrid | $310 | $640 | $364 | $1,450 |
| 2021 Honda Accord Hybrid | $292 | $618 | $376 | $1,422 |
| 2020 Honda Accord Hybrid | $282 | $574 | $384 | $1,376 |
| 2019 Honda Accord Hybrid | $270 | $540 | $388 | $1,334 |
| 2018 Honda Accord Hybrid | $258 | $484 | $390 | $1,268 |
| 2017 Honda Accord Hybrid | $242 | $446 | $390 | $1,214 |
| 2016 Honda Accord Hybrid | $234 | $418 | $394 | $1,182 |
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 Affordable Honda Accord Hybrid Insurance
Saving money on insurance for a Honda Accord Hybrid not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The list below is a brief review of the data that was touched on above.
- You may be able to save around $150 per year just by quoting online in advance
- Insureds who purchase higher liability limits will pay around $430 per year to go from a minimum limit to 250/500 limits
- Teenagers are expensive to insure, as much as $383 per month for full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,420 more per year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,592 |
| 20 | $2,808 |
| 30 | $1,262 |
| 40 | $1,214 |
| 50 | $1,112 |
| 60 | $1,090 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,518 |
| $250 | $1,376 |
| $500 | $1,214 |
| $1,000 | $1,058 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,214 |
| 50/100 | $1,292 |
| 100/300 | $1,390 |
| 250/500 | $1,643 |
| 100 CSL | $1,331 |
| 300 CSL | $1,546 |
| 500 CSL | $1,702 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,550 |
| 20 | $4,476 |
| 30 | $2,690 |
| 40 | $2,636 |
| 50 | $2,516 |
| 60 | $2,492 |
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 | $65 |
| Multi-vehicle | $65 |
| Homeowner | $19 |
| 5-yr Accident Free | $89 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $55 |
| Advance Quote | $60 |
| Online Quote | $86 |
| Total Discounts | $518 |
Discounts are estimated and may not be available from every company or in every state.
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