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Car insurance for Honda Accords
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Honda Accords are one of the most popular vehicles on the road. The car took second place in J.D. Power’s 2022 Best Midsize Car ranking, but if you own one, it might still be difficult to know where to start when it comes to finding the best car insurance for your Honda Accord.
How much does it cost to insure a Honda Accord?
- Crash rate stats: When an insurance company determines your premium, recent crash rate statistics for your vehicle may be taken into consideration. According to the latest data by the Insurance Institute for Highway Safety (IIHS), there were approximately 34 deaths per million between 2015 and 2018 for passengers or drivers of model year 2014-2017 Honda Accords. This is lower than the average death rate for comparable mid-size sedans.
- Price of parts: When you get into a covered accident, your insurance policy may pay out to repair your vehicle, depending on your coverage types and limits. If your vehicle requires special, costly or hard-to-get parts, your premium could be higher. As Honda is a global company with factories in several countries, including the U.S., parts are typically easier to acquire.
- Safety features: Your vehicle’s individual safety features may impact your insurance rates as it could influence how much your insurance company may have to pay out in case of a covered accident. Fortunately, the 2022 Honda Accord earned the IIHS Top Safety Pick+ award for midsize cars.
Car insurance for a Honda Accord
|Honda Accord car insurance||Average annual premium|
Cheapest car insurance companies for Honda Accords
Average annual premium for full coverage by model
|Car insurance company||Honda Accord|
What features impact my Honda Accord insurance costs?
- Air bags: Although air bags are now a standard feature on vehicles, older models may not have all of the air bags that are common now, which could negatively impact your premium cost. Newer models also have a front knee airbag to keep the driver and front passenger in position if the front airbags deploy during an accident.
- Blind-spot warnings: 2022 Honda Accords feature a blind spot information system which may indicate whether another vehicle is in your blind spot and assist with turning and lane changes.
- Cross traffic Monitor: When reversing, the Honda Accord may notify the driver of nearby and oncoming vehicles approaching from both directions. This added safety measure may help drivers avoid accidents with hard-to-see obstacles.
- Low-speed braking control: This feature activates when the Honda Accord is moving at a low speed. If the car senses that a front or rear collision is imminent and unavoidable, it may automatically brake the car to avoid an accident.
- Auto high-beam headlights: The Honda Accord's high beam headlights may be set to automatically dim when oncoming traffic is approaching.
Other car insurance coverage for a Honda Accord
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Honda of the following model types, commute five days a week and drive 12,000 miles annually:
- Honda Accord
These are sample rates and should only be used for comparative purposes.