Honda Accord Hybrid Insurance Rates
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Michelle Robbins
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UPDATED: Apr 12, 2024
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The average auto insurance rates for a Honda Accord Hybrid are $1,214 annually including full coverage. Comprehensive insurance costs around $242, collision insurance costs $446, and liability costs around $390. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs $2,636 or more. 16-year-old drivers cost the most to insure at up to $4,592 a year.
Average premium for full coverage: $1,214
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Accord Hybrid models.
Price Range Variability
Using a 40-year-old driver as an example, Honda Accord Hybrid insurance rates range from as cheap as $438 for just liability coverage to the much higher price of $2,636 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects auto insurance rates.
The examples above highlight why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below breaks down average Honda Accord Hybrid insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $696
- Using higher $1,000 deductibles will save about $156 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,214
- Buying pricier low deductibles for physical damage coverage costs an additional $304 every year
- Drivers with multiple tickets or accidents could pay at least $2,636
- Policy cost with full coverage for a teen driver for full coverage can be $4,592 or more
Auto insurance rates for a Honda Accord Hybrid also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $4,500 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 at least $1,500 to $2,000 in extra premium every year, depending on your age. Honda Accord Hybrid insurance for high-risk drivers can be as much as 44% to 138% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $460 every year, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every 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 $930 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,730 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Buy More Affordable Honda Accord Hybrid Insurance
Finding cheaper rates on car insurance requires being safe and accident-free, having above-average 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 your local independent and exclusive agents.
Below you'll find a summary of the primary concepts that were raised in the charts and tables above.
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,420 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Youthful drivers are expensive to insure, with premiums being up to $383 each month if full coverage is included
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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