Honda Accord Hybrid Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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U.S. average insurance rates for a Honda Accord Hybrid are $1,334 a year including full coverage. Comprehensive costs an estimated $270, collision costs $540, and liability coverage costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing around $2,906. Teenage drivers pay the highest rates at $4,984 a year or more.

Average premium for full coverage: $1,334

Price estimates broken down by individual coverage:

Comprehensive $270
Collision $540
Liability $388

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Accord Hybrid trim levels.

Price Range from Low to High

For the normal driver, Honda Accord Hybrid insurance prices go from the low end price of $434 for just liability insurance to a much higher rate of $2,906 for coverage for higher-risk drivers.

Liability Only $434
Full Coverage $1,334
High Risk $2,906

Geographic Price Range

Your location has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The ranges above highlight why anyone shopping for car insurance should compare rates 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.

More Rate Details

The chart below breaks down estimated Honda Accord Hybrid insurance rates for other coverage scenarios.

  • The best discount rate is $753
  • Drivers who choose higher $1,000 deductibles will pay approximately $182 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,334
  • Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,694
  • High-risk insureds who are prone to accidents and violations could pay up to $2,906 or more
  • The price that insures a teenage driver with full coverage can cost as much as $4,984 a year

View Chart as Image

Honda Accord Hybrid insurance cost comparison chart
Column chart showing full coverage Honda Accord Hybrid insurance rates range from $753 to $4,984

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

If you have some driving violations or you caused an accident, you are likely paying $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can cost around 44% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Honda Accord Hybrid insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,900 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 $1,204 -$130 -9.7%
Alaska $1,020 -$314 -23.5%
Arizona $1,106 -$228 -17.1%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,272 -$62 -4.6%
Connecticut $1,370 $36 2.7%
Delaware $1,508 $174 13.0%
Florida $1,666 $332 24.9%
Georgia $1,234 -$100 -7.5%
Hawaii $958 -$376 -28.2%
Idaho $902 -$432 -32.4%
Illinois $992 -$342 -25.6%
Indiana $1,006 -$328 -24.6%
Iowa $898 -$436 -32.7%
Kansas $1,266 -$68 -5.1%
Kentucky $1,818 $484 36.3%
Louisiana $1,974 $640 48.0%
Maine $822 -$512 -38.4%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,064 -$270 -20.2%
Michigan $2,312 $978 73.3%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,598 $264 19.8%
Missouri $1,184 -$150 -11.2%
Montana $1,430 $96 7.2%
Nebraska $1,050 -$284 -21.3%
Nevada $1,598 $264 19.8%
New Hampshire $962 -$372 -27.9%
New Jersey $1,490 $156 11.7%
New Mexico $1,178 -$156 -11.7%
New York $1,402 $68 5.1%
North Carolina $768 -$566 -42.4%
North Dakota $1,090 -$244 -18.3%
Ohio $918 -$416 -31.2%
Oklahoma $1,366 $32 2.4%
Oregon $1,222 -$112 -8.4%
Pennsylvania $1,272 -$62 -4.6%
Rhode Island $1,776 $442 33.1%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,124 -$210 -15.7%
Tennessee $1,164 -$170 -12.7%
Texas $1,606 $272 20.4%
Utah $986 -$348 -26.1%
Vermont $910 -$424 -31.8%
Virginia $798 -$536 -40.2%
Washington $1,028 -$306 -22.9%
West Virginia $1,224 -$110 -8.2%
Wisconsin $920 -$414 -31.0%
Wyoming $1,186 -$148 -11.1%

View Chart as Image

Honda Accord Hybrid insurance rates by U.S. city

Using high physical damage deductibles could save up to $550 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and prices may be quite different.

Honda Accord Hybrid Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Honda Accord Hybrid $362 $718 $316 $1,532
2023 Honda Accord Hybrid $346 $690 $332 $1,504
2022 Honda Accord Hybrid $332 $686 $338 $1,492
2021 Honda Accord Hybrid $320 $668 $354 $1,478
2020 Honda Accord Hybrid $310 $640 $364 $1,450
2019 Honda Accord Hybrid $292 $618 $376 $1,422
2018 Honda Accord Hybrid $282 $574 $384 $1,376
2017 Honda Accord Hybrid $270 $540 $388 $1,334
2016 Honda Accord Hybrid $258 $484 $390 $1,268

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 Best Cheap Honda Accord Hybrid Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a quick review of the primary concepts that were presented in the illustrations above.

  • You may be able to save approximately $160 per year simply by shopping early and online
  • Drivers with a DUI or reckless driving violation could be charged and average of $1,570 more annually to insure their Accord Hybrid
  • Increasing physical damage deductibles can save approximately $550 each year
  • Teen drivers are expensive to insure, possibly costing $415 a month if comprehensive and collision insurance is included

Rates by Driver Age

Honda Accord Hybrid Insurance Rates by Driver Age
Driver Age Premium
16 $4,984
20 $3,100
30 $1,392
40 $1,334
50 $1,220
60 $1,200

Full coverage, $500 deductibles

Rates by Deductible

Honda Accord Hybrid Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,526
$500 $1,334
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Hybrid Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,412
100/300 $1,509
250/500 $1,761
100 CSL $1,450
300 CSL $1,664
500 CSL $1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Accord Hybrid Insurance Rates for High Risk Drivers
Age Premium
16 $7,134
20 $4,942
30 $2,970
40 $2,906
50 $2,772
60 $2,750

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 $191

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $102
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $96
Total Discounts $581
Rate after discounts $753

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

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