How much is insurance on a Honda Accord?

A 2024 Honda Accord runs about $2,070 a year for a typical 45-year-old, $130 more than an average car of the same age, because of more injury claims and more damage to others' property. Putting a new 16-year-old on a family policy with the Accord adds about $1,370 a year (#4 of 9 midsize four-door cars we compare).

2024 Honda Accord (Accord), national average

about $2,070 a year (about $175 a month)

Estimated range: $1,500–$2,750. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Accord drops to about $1,560 (see the table below).

A Honda Accord from the 2023–present generation. Photo: MercurySable99, CC BY-SA 4.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Accord, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Accord's rank is the same in every state.

Why the Honda Accord costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. For the Honda Accord, on HLDI's scale where 100 is an average car and lower is better, it reports 109 for crash repairs, 82 for non-crash damage, 106 for damage to others' property, and 138 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage9% worse than average3rd best of the 9 midsize four-door cars we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesAverage18% better than average2nd best of the 9 midsize four-door cars we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage6% worse than average3rd best of the 9 midsize four-door cars we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costWorse than averagefiled 38% more often than average5th best of the 8 midsize four-door cars we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Accord comes out about 1% worse than average. So the part of the bill that fixes the car is about the same as average: about $950 a year vs $950. On the liability side, damage to others and injury claims combine to about 24% worse than average. We count about half, so that part is about 13% more: $1,120 a year vs $990.

How the math works

In EPA size classes, the Accord is a large car (gas-powered). In Highway Loss Data Institute loss tables, the Honda Accord is benchmarked against midsize four-door cars.

Matched to HLDI series “Honda Accord” (HLDI, 2022–24 models).

A used Honda Accord, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Accord (0–3 years old)	about $2,070	about $1,120	+$1,370	about $5,940
2022 Accord (4–7 years old)	about $1,950	about $1,120	+$1,290	about $5,610
2018 Accord (8–12 years old)	about $1,650	about $900	+$1,090	about $4,730
2013 Accord (13 or more years old)	about $1,560	about $970	+$1,030	about $4,480

Our catalog covers the Honda Accord across model years 2006–2027. Full coverage on a used 2013 Accord (13 or more years old) runs about $1,560 a year, $510 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $970 a year. Each photo shows that year's generation of the car. Photo credits.

All 3 versions of the 2024 Honda Accord in our catalog (Accord, Accord Hybrid and Accord Hybrid Sport/Touring) price within about $50 a year of each other.

On a policy of their own with a 2024 Honda Accord, a 22–25-year-old pays about $2,690 a year ($620 more than a 45-year-old), a 26–39-year-old about $2,300, and a driver 65 and older about $2,170.

Adding a 16-year-old with a Honda Accord

A new driver costs more with any car, and more than usual with the Honda Accord: adding a 16-year-old raises the family bill by about $1,370 a year ($115 a month), $80 more than adding a teen with an average car of the same age. A separate policy in the 16-year-old's own name runs about $5,940 a year ($4,570 more than adding them to the family policy).

For adding a teen driver, the Honda Accord ranks 35th most expensive out of all 121 models we track. Stepping down to a used 2013 Accord (13 or more years old) brings the teen add-on to about $1,030 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar midsize four-door cars

Among these 9 midsize four-door cars, the Honda Accord is the 4th least expensive to insure. Right next to it are the Volkswagen Jetta (about $2,070 a year) and the Toyota Camry (about $2,090).

Photos from Wikimedia Commons contributors. Photo credits.

What a Honda Accord costs in your state

In six sample states, a 2024 Honda Accord runs from about $1,410 a year in Idaho through Iowa, Nebraska, Utah and Connecticut to about $2,720 in New York:

Idahoabout $1,410/yr · +$930 teen
Iowaabout $1,450/yr · +$960 teen
Nebraskaabout $1,700/yr · +$1,120 teen
Utahabout $1,850/yr · +$1,220 teen
Connecticutabout $2,170/yr · +$1,430 teen
New Yorkabout $2,720/yr · +$1,800 teen

All 50 states and DC · Updated November 5, 2026.

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