Honda Accord Hybrid Insurance Rates
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UPDATED: Apr 12, 2024
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Average auto insurance rates for a Honda Accord Hybrid are $1,268 annually with full coverage. Comprehensive insurance costs on average $258, collision costs $484, and liability costs around $390. A policy with just liability insurance costs as low as $438 a year, with coverage for high-risk drivers costing $2,758 or more. Teenage drivers receive the highest rates at $4,770 a year or more.
Average premium for full coverage: $1,268
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and for different Accord Hybrid trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $438 for minimum levels of liability insurance to a much higher rate of $2,758 for a driver required to buy high-risk insurance.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities.
The price range example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of 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 Details
The chart below details estimated Honda Accord Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $724
- Using higher $1,000 deductibles will save around $168 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,268
- Using more expensive low deductibles for physical damage coverage costs an additional $330 every year
- Drivers who are prone to accidents and violations could pay upwards of $2,758 or more
- The cost with full coverage for a teen driver with full coverage may cost $4,770 or more
Insurance rates for a Honda Accord Hybrid can also vary considerably based on the trim level of your Accord Hybrid, your driving record, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 additional per year, depending on your age. High-risk driver insurance can be as much as 44% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $500 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Honda Accord Hybrid insurance prices. A driver around age 40 might see rates as low as $910 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,710 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different between companies.
| 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 the Right Honda Accord Hybrid Insurance
Saving money on car insurance requires avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The points below are a quick rundown of the data presented in the illustrations above.
- Policyholders who require increased liability limits will pay an extra $430 every year to increase from a minimum limit to higher 250/500 limits
- You may be able to save as much as $150 per year simply by shopping early and online
- Increasing deductibles could save up to $500 each year
- Drivers under the age of 20 pay higher rates, with premiums as much as $398 per month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,598 |
| $250 | $1,444 |
| $500 | $1,268 |
| $1,000 | $1,100 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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