Honda Accord Hybrid Insurance Rates

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UPDATED: Apr 12, 2024

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U.S. average insurance rates for a Honda Accord Hybrid are $1,214 a year including full coverage. Comprehensive costs approximately $242, collision insurance costs $446, and liability is $390. Buying just liability costs around $438 a year, and insurance for high-risk drivers costs around $2,636. Teenage drivers pay the highest rates at up to $4,592 a year.

Average premium for full coverage: $1,214

Price estimates by individual coverage:

Comprehensive $242
Collision $446
Liability $390

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Accord Hybrid models.

Price Range from Low to High

For the normal driver, Honda Accord Hybrid insurance prices range from the low end price of $438 for just liability coverage to the much higher price of $2,636 for a driver who has had serious violations or accidents.

Liability Only $438
Full Coverage $1,214
High Risk $2,636

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.

Rural Areas $911
Small Cities $1,275
Large Cities $1,639

The ranges above highlight why everyone should compare rates quotes using their specific location, 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.

Detailed Rate Analysis

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

  • The best discount rate is $696
  • Raising to $1,000 deductibles will save $156 every year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,214
  • Using pricier low deductibles bumps up the cost to $1,518
  • At-risk drivers who are prone to accidents and violations could pay around $2,636
  • The price that insures a teen driver for full coverage can cost $4,592

View Chart as Image

Honda Accord Hybrid insurance cost comparison chart
Column chart showing Honda Accord Hybrid insurance rates range from $696 to $4,592 for full coverage

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

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,500 to $2,000 additional each year, depending on your age. Honda Accord Hybrid insurance for high-risk drivers is expensive and can cost as much as 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 pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

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 $930 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,730 on average in Louisiana, New York, and Michigan.

Honda Accord Hybrid Insurance Rates by State
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%

View Chart as Image

Honda Accord Hybrid insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $460 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

Honda Accord Hybrid Insurance Rates by Model Year
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 Low Cost Honda Accord Hybrid Insurance

Getting lower rates on car insurance consists of having a decent driving record, having a good credit score, being claim-free, and consideration of higher deductibles. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a review of the ideas that were presented in the illustrations above.

  • 16 to 18-year-old drivers are the costliest to insure, possibly costing $383 a month if comprehensive and collision insurance is included
  • Higher risk drivers who have several accidents or serious violations will likely pay on average $1,420 more per year than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $450 each year
  • You may be able to save around $150 per year just by quoting online well ahead of the renewal date

Rates by Driver Age

Honda Accord Hybrid Insurance 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

Honda Accord Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,518
$250 $1,376
$500 $1,214
$1,000 $1,058

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Hybrid Insurance Rates with Different Liability Limits
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

Honda Accord Hybrid Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $696

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

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