Honda Accord Hybrid Insurance Rates

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2016 Honda Accord Hybrid Insurance Quotes in 2025 – 8 Savings Tips

Want better car insurance rates for your Honda Accord Hybrid? Expensive Honda Accord Hybrid insurance can eat up your bank account and make it hard to pay other bills. Getting a rate comparison is a great way to tighten up your finances. People have many insurers to choose from, and although it's nice to have a selection, so many choices can make it hard to locate the cheapest rates. This articl...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 12, 2024

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U.S. average insurance prices for a Honda Accord Hybrid are $1,268 every 12 months with full coverage. Comprehensive insurance costs approximately $258, collision insurance costs $484, and liability is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs $2,758 or more. 16-year-old drivers pay the highest rates at up to $4,770 a year.

Average premium for full coverage: $1,268

Price estimates by individual coverage:

Comprehensive $258
Collision $484
Liability $390

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different Accord Hybrid trim levels.

Price Range from Low to High

For a driver around age 40, Honda Accord Hybrid insurance prices range from the cheapest price of $438 for your basic liability-only policy to a much higher rate of $2,758 for a driver who requires high-risk insurance.

Liability Only $438
Full Coverage $1,268
High Risk $2,758

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have more infrequent collision claims than congested cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $951
Small Cities $1,331
Large Cities $1,712

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, 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.

More Rate Information

The chart below details average Honda Accord Hybrid insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $724
  • Raising to $1,000 deductibles will save $168 annually
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,268
  • Buying more expensive low deductibles costs an extra $330 annually
  • Drivers with multiple tickets or accidents could pay around $2,758
  • The price to insure a 16-year-old driver with full coverage can cost $4,770

View Chart as Image

Honda Accord Hybrid insurance cost comparison chart
Column chart showing Honda Accord Hybrid insurance prices range from $724 to $4,770 for full coverage

Insurance prices for a Honda Accord Hybrid are also quite variable based on deductibles and policy limits, your driving record, and the model of your Accord Hybrid.

Opting for high physical damage deductibles can reduce prices by up to $500 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 132% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Honda Accord Hybrid insurance prices. A middle-age driver might find prices as low as $910 a year in states like Utah, Ohio, and New Hampshire, or at least $1,710 on average in New York, Michigan, and Florida.

Honda Accord Hybrid Insurance Rates by State
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%

View Chart as Image

Honda Accord Hybrid insurance rates by U.S. city
Honda Accord Hybrid Insurance Rates by Model Year
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 Shop for Affordable Honda Accord Hybrid Insurance

Getting lower rates on insurance for a Honda Accord Hybrid consists of avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the concepts that were covered above.

  • Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,490 more per year for car insurance
  • Teenagers are the costliest to insure, costing up to $398 a month if full coverage is included
  • You may be able to save around $150 per year just by shopping early and online
  • Increasing physical damage deductibles could save as much as $500 each year
  • You may be able to save around $150 per year just by shopping early and online

Rates by Driver Age

Honda Accord Hybrid Insurance 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

Honda Accord Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,598
$250 $1,444
$500 $1,268
$1,000 $1,100

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Hybrid Insurance Rates with Different Liability Limits
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

Honda Accord Hybrid Insurance 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.

SR-22 Surcharge $180

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
Rate after discounts $724

Discounts are estimated and may not be available from every company or in every state.

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