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...
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UPDATED: Apr 12, 2024
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The average insurance rates for a Honda Accord Hybrid are $1,214 a year for full coverage insurance. Comprehensive insurance costs an estimated $242, collision costs $446, and liability coverage costs around $390. Liability-only coverage costs as low as $438 a year, with high-risk coverage costing $2,636 or more. Teenage drivers cost the most to insure at $4,592 a year or more.
Average premium for full coverage: $1,214
Policy rates broken down by type of insurance:
These estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Accord Hybrid models.
Price Range Variability
For a 40-year-old driver, Honda Accord Hybrid insurance rates go from the low end price of $438 for the bare minimum liability coverage to the much higher price of $2,636 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a large influence on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities.
The example below illustrates how your location can change insurance prices.
The examples above illustrate why everyone should compare prices for a targeted area, rather than using 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.
Additional Rate Information
The chart below illustrates estimated Honda Accord Hybrid insurance rates for other coverage scenarios.
- The best discount rate is $696
- Using higher $1,000 deductibles will save approximately $156 each year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,214
- Using pricier low deductibles for physical damage coverage will cost an additional $304 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,636 or more
- Policy cost that insures a teenage driver for full coverage can cost as much as $4,592 or more
Insurance rates for a Honda Accord Hybrid also range considerably based on the model of your Accord Hybrid, your age and driving record, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,000 additional every year, depending on your age. Honda Accord Hybrid insurance for high-risk drivers can be around 44% to 138% more than a normal policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,500 a year. View Rates by Age
Your home state has a huge impact on Honda Accord Hybrid insurance rates. A driver around age 40 might see rates as low as $790 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,640 on average in Florida, 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% |
Using high physical damage deductibles could cut rates by as much as $460 a year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied.
| 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 Cheap Honda Accord Hybrid Insurance
Finding cheaper rates on auto insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least every other year by requesting quotes from direct insurance companies, and also from local insurance agencies.
Below is a brief summary of the car insurance concepts illustrated above.
- Drivers that tend to have accidents or serious violations may have to pay on average $1,420 more annually for auto insurance
- It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Consumers who want higher levels of liability will pay an extra $430 annually to increase from a 30/60 limit to the 250/500 level
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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