Honda Accord Hybrid Insurance Rates
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UPDATED: Apr 12, 2024
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U.S. average auto insurance rates for a Honda Accord Hybrid are $1,334 annually including full coverage. Comprehensive costs on average $270, collision costs $540, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage 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 by individual coverage:
Includes $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Accord Hybrid trim levels.
Price Range from Low to High
For a 40-year-old driver, Honda Accord Hybrid insurance prices go from as cheap as $434 for a discount liability-only rate to a much higher rate of $2,906 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities.
The price range example below illustrates how your location can change car insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below breaks down estimated Honda Accord Hybrid insurance rates for different risk profiles and scenarios.
- The best discount rate is $753
- Choosing higher $1,000 deductibles can save around $182 every year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,334
- Using more expensive low deductibles for comp and collision coverage will cost $1,694
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,906 or more
- The price with full coverage for a 16-year-old driver with full coverage may cost $4,984 each year
Auto insurance prices for a Honda Accord Hybrid are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance ranges from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $550 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Honda Accord Hybrid insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,900 on average in Michigan, New York, and Louisiana.
| 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% |
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.
| 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 Buy the Cheapest Honda Accord Hybrid Insurance
Getting lower rates on insurance for a Honda Accord Hybrid takes not taking risks behind the wheel, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a recap of the car insurance concepts illustrated above.
- Drivers considered higher risk that have major violations or accidents pay on average $1,570 more each year for Accord Hybrid insurance
- You may be able to save as much as $160 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $550 each year
- Insureds who require higher liability limits will pay an extra $430 per year to raise limits from a low limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,694 |
| $250 | $1,526 |
| $500 | $1,334 |
| $1,000 | $1,152 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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