Honda Accord Insurance

The easy and affordable way

Written by Sara East
Written by Sara East

Insurance doesn’t have to be boring. That’s why we hired Sara East to be our BA insurance writer. Maggie specializes in making mundane subjects hella-entertaining.

Honda Accord Insurance

The Honda Accord is a great car. Affordable, reliable and safe, it consistently earns top honors and is one of the best-selling cars ever built. Fortunately, the Honda Accord’s safety record will help drive down the cost of car insurance. Working closely with an independent insurance agent can help you find multiple insurance quotes and additional ways to save money on a Honda Accord insurance policy. 

Contact a local independent agent for more information on how an agent can help you properly insure your Accord at an affordable price.

What Kind of Insurance Do You Need for Your Honda Accord? 

No one expects to get in an accident while driving, but unfortunate events happen all the time. Whether it's getting rear-ended on the freeway or a storm blowing a tree onto your vehicle, it's essential that you have the right car insurance for protection. 

A variety of different coverages exist, but not all are mandatory. Even if a coverage option isn't required by state laws, it's best to work with your independent insurance agent to make sure you have the best coverage possible for your Honda Accord. 

Most states mandate the following coverage: 

Bodily injury liability: If you cause an accident that results in other drivers or passengers being injured, bodily injury insurance pays for any claims made against you. This can include medical bills and even lost wages if the person injured is out of work for an extended period of time. 

Property damage liability: If you cause an accident that results in damage to someone else's property like their vehicle, fence, or something else, the property damage insurance will pay for damage to replace or repair the property.

Many states also require this coverage: 

Medical payments/Personal injury protection: Personal injury protection (PIP) and medical payments reimburse you and your passengers for injuries and lost wages resulting from an accident. PIP is required in no-fault states. In other states, medical payments insurance is available. 

Uninsured motorist coverage: If you are injured in an accident caused by a driver without insurance, this coverage protects you. You can also purchase uninsured and underinsured motorist coverage which covers you when the other driver doesn’t have enough insurance for the damage sustained. The policy will pay you an additional amount up to your policy limits. 

Optional coverage:

Collision: If you're in an at-fault accident that causes damage to your own vehicle, collision insurance is necessary if you want your insurance to pay for the damage. 

Comprehensive: For everything that collision insurance doesn't cover, there's comprehensive insurance. If your vehicle receives damage from a natural disaster, or you hit an animal on the road, this will help pay to fix the damages. 

Glass: Windshield chips and cracks from rocks, pebbles, and other debris are fairly common. Continually replacing the glass in your vehicle can be costly. Glass coverage is an affordable option that will cover windshield replacement and repair as this is not covered under your typical insurance policy. 

Gap: If you owe more on your car than it’s worth, it’s a good idea to consider buying gap insurance. If your car were to be declared a total loss in an accident, the gap insurance would cover the difference between what you owe and the current value of the car. 

What Affects the Cost of Car Insurance for Your Honda Accord? 

Your annual mileage: How many miles you put on your vehicle each year will impact your car insurance rates. If you don't drive often or long distances, you are less likely to file a claim with insurance.

Your driving record: Having a clean driving record will result in lower premiums than a driver who has multiple moving or traffic violations. Your independent insurance agent can tell you how long any current violations will affect your insurance premiums.

The value of your Honda Accord: A large factor in determining car insurance premiums is the retail value of your vehicle. A car that has a high value ultimately will cost more to fix or replace. 

Average cost of a 2018 - 2020 Honda Accord: 
2018 $19,400 - $26,850
2019 $21,250 - $29,300
2020 $24,270 - $36,400

How does safety affect the cost of my Honda Accord insurance? 

The safety rating of your car is another factor that insurers look at. After all, safer cars generally result in fewer accidents. Every Accord comes with a standard backup camera, and higher trim levels include technology such as lane-departure warning, forward collision warning, and even blind-spot cameras. Insurers love all of these accident-preventing features which help keep Honda Accord insurance affordable. Even better, the Honda Accord received five-out-of-five stars on all crash safety tests from the National Highway Traffic Safety Administration (NHTSA) and "good" ratings across the board from the Insurance Institute for Highway Safety (IIHS) which is the highest ranking. 

How does my location affect my Honda Accord insurance?

Do you live in a big city? If so, your car insurance rates for your Honda Accord will be higher than someone in a rural town. In a populated city, the risk is higher for accidents and incidents like theft and vandalism. 

What States are Most Affordable and Least Affordable for Honda Accord Insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
Michigan $2,280
Louisiana $1,944
Kentucky $1,788
Rhode Island $1,750
Florida $1,642
Most affordable states:
North Carolina $756
Virginia $786
Maine $810
Iowa $886
Idaho $888

How Can You Save on Honda Accord Insurance? 

Luckily, there are many ways you can save money on your insurance policy. Most insurers offer the following discounts: 

  • Good student discount
  • Anti-theft device discount
  • Affinity discount
  • Good driver discount
  • Multi-line discount
  • Multi-vehicle discount

Ask your independent insurance agent to find out about additional ways you can save money on your insurance. 

Top Insurance Companies That Insure the Honda Accord

Not all insurance companies are alike. You want a company that's reliable, responsive, and trustworthy. The US Independent Insurance Agent Satisfaction Study by JD Power gave the following companies high marks: 

  1. Progressive
  2. Safeco
  3. Travelers

Your agent can guide you in choosing the best company for your needs.

Get a Honda Accord Insurance Quote

There are plenty of perks to working with an independent insurance agent. Your agent has the ability to shop a wide variety of companies to get you the best rate. An independent agent works for you, so you can rest assured that your needs are taken care of. Let an independent insurance agent get you a car insurance quote today.

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