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 for full coverage. Comprehensive costs approximately $258, collision costs $484, and liability coverage is $390. Liability-only insurance costs around $438 a year, with high-risk driver 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 by type of insurance:
Includes $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Accord Hybrid trim levels.
Price Range Variability
For a 40-year-old driver, Honda Accord Hybrid insurance rates go from as low as $438 for just liability coverage to a much higher rate of $2,758 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance prices.
The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, 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.
Detailed Rate Analysis
The chart below shows estimated Honda Accord Hybrid insurance rates for additional coverage and risk scenarios.
- The best discount rate is $724
- Raising to $1,000 deductibles will save $168 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,268
- Using more expensive low deductibles will increase the cost to $1,598
- Unlucky drivers who are prone to accidents and violations could pay around $2,758 or more
- Policy cost for full coverage for a teenage driver with full coverage can cost $4,770
Auto insurance rates for a Honda Accord Hybrid also range considerably based on your risk profile, the trim level of your Accord Hybrid, and physical damage deductibles and liability limits.
An older driver with a good driving record and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
Your home state also has a big influence on Honda Accord Hybrid insurance rates. A middle-age driver might find rates as low as $840 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,810 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles can reduce rates by up to $500 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.
| 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 auto insurance consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a recap of the data illustrated above.
- Consumers who purchase higher liability limits will pay an extra $430 each year to raise from a 30/60 limit to 250/500 limits
- Drivers can save around $150 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $500 each year
- Teens have the highest car insurance rates, costing up to $398 each 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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