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Honda Accord Insurance Cost


Lane Hanson

August 18, 2021

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Honda  Accord Insurance Cost

The average monthly costs for a 2021 Honda Accord insurance cost is $175.64, or $2,107.65 per year. Your real expenses, however, are determined by your driving history, car model, location, and other considerations.

What factors affect car Honda Accord insurance cost for?

Your location as well as your driving history can both influence your odds of being involved in an accident. The car you drive, on the other hand, has a considerably bigger influence since performance, safety features, theft rates, and other aspects might differ depending on the brand and model. And, because carriers factor both your risk and the cost of filing claims when determining your premiums, the vehicle you choose might have a direct impact on your rates.

Honda Accord Insurance Cost - Honda Logo

Here’s how to do it:

  • Body type. The Accord is a four-door sedan that is best suited for families or casual use. This might be one of the reasons why coverage is so inexpensive.
  • Type of car. The Accord is a midsize car with a starting price of little more than $20,000. It should be less expensive to insure than a premium or high-performance car.
  • Theft. The Honda Accord is one of the most stolen automobiles in the United States, which may raise insurance costs.
  • Repairs. Honda Accord parts and repair should be easily available, resulting in cheaper insurance costs.
  • Safety ratings. The Accord boasts excellent safety ratings and features that may result in lower vehicle insurance rates.
  • Fuel type. The gas version of the Honda Accord should be less expensive to insure than the hybrid version, owing to decreased repair costs.
  • Trim & packages. The Honda Accord offers a variety of safety and driver aid features. Including them might assist to lower insurance costs.

How to compare insurance for the Honda Accord

Because the Accord is a popular vehicle with high safety ratings, getting coverage should be simple. Knowing what to look for may make insurance buying easier and, if done correctly, can save you money.

  • Price. Coverage varies across carriers, making pricing comparison difficult. To truly compare your options, use the same driver and vehicle information when receiving estimates.
  • Deductible. Higher deductibles frequently result in cheaper rates, but smaller deductibles raise the cost. Choose an amount that is appropriate for your financial condition.
  • Minimum coverage. Each state has its own set of coverage criteria. Before making a commitment, ensure that any possible coverage satisfies your state’s minimum requirements.
  • Additional coverage. Personal injury protection and medical expenses coverage are just two of the numerous enhancements you may make to your policy. When obtaining estimates from carriers, make sure to include any additional coverage choices.
  • Extras. Your coverage may contain features like roadside assistance and accident forgiveness. If not, find out how much additions will cost and if they are worthwhile.
  • Restrictions. To avoid gaps in coverage or refused claims, find out whether your insurance has any limits.
  • Manufacturer offer or loyalty discount. Inquire with your dealership to see if you are qualified for any manufacturer incentives or loyalty discounts, as you may be able to save money on vehicle insurance.
  • Warranty. To prevent paying for overlapping coverage, find out what is covered by your manufacturer’s or extended warranty.

Does the Honda Accord qualify for auto insurance discounts?

The Accord is outfitted with safety and driver assistance systems that may help to avoid accidents or reduce damage. While certain features may qualify for vehicle insurance reductions, you may lower your rates even more by installing features that increase visibility or safety.

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Honda Accord safety & reliability ratings

The 2018 Honda Accord receives a perfect 10/10 safety rating from U.S. News and J.D. Power. This is supported by the NHTSA’s top possible scores in every area and the 2018 IIHS Top safety selection.

The 2018 Honda Accord receives a 4/5 star dependability rating from U.S. News and J.D. Power, which is higher than most vehicles in its class.
The Honda Accord has been on the market since 1976, but it has been one of America’s best-selling vehicles since 1989. In 2016, approximately 345,000 Honda 

Accords were sold in the United States. The Insurance Institute of Highway Safety named the 2017 model a Top Safety Pick+, while the National Highway Traffic Safety Administration gave it a 5-Star Overall Rating.

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Honda Accord maintenance

Because the Accord is built to deliver a comfortable and easy driving experience, it requires little maintenance to stay on the road. Routine service appointments to replace the oil and examine components, like with most cars, may help extend its life and ensure it drives smoothly.

  • Honda does not propose an oil change regimen for the Accord. In fact, all modern vehicles come included with the Maintenance Minder system, which alerts you when oil and other parts need to be updated.
  • An oil change for the Accord should cost between $75 and $125, depending on where you get it serviced. As a general rule, dealerships are more expensive than independent repair businesses.
  • To learn more about the Honda Accord maintenance schedule, contact your Honda dealer or reference your owner’s handbook.

Is an extended warranty worth it for the Honda Accord?

All new Honda cars have a 3-year/36,000-mile Limited Vehicle Warranty as well as a 5-year/60,000-mile Powertrain Limited Warranty. Genuine Honda accessories are also protected for three years or 36,000 miles if fitted at the time of purchase. The Accord also has a 5-year/Unlimited-mileage corrosion guarantee and 24-hour emergency roadside assistance.

Honda also provides a number of Vehicle Service Contracts, which are effectively extended warranties. They cover components, powertrains, and a variety of perks like rental car reimbursement, 24-hour concierge emergency services, and so on. While the Accord is usually regarded as a dependable vehicle, these service plans can safeguard your vehicle after the original warranty has expired.

Compare Honda competitors

Discover what other models Honda has to offer, or look into automobiles from other manufacturers that are comparable to the Accord.

Bottom line

The Honda Accord is a well-liked midsize car that offers a smooth and pleasant ride. It’s low-maintenance and comes with a slew of outstanding safety and driver-assist features that add to its allure.

The Accord is a low-risk vehicle that would hold up well in a collision, which might explain why insurance is so cheap. That being said, you may be able to further decrease the cost of coverage by comparing your options to locate auto insurance discounts and pricing from some of the best companies.

Compare Accord providers or seek prices with another brand or model to obtain the greatest possible value and coverage.

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