Car Insurance Az for a 2015 Honda Accord Cost
- Honda Accord car insurance rates average $1,518 per year, $759 for a 6-month policy, or $127 per month, depending on the trim level.
- The cheapest model of Honda Accord to insure is the LX Sedan at around $1,356 per year, or about $113 per month.
- When compared to other midsize cars, the 2021 Honda Accord is one of the cheaper to insure, costing $30 less per year on average.
- Insurance for a used Honda Accord could save $412 or more each year over the cost of buying new.
How much does Honda Accord insurance cost?
Honda Accord car insurance costs an average of $1,518 a year, or $127 on a monthly basis. Expect to pay around $30 less annually to insure an Accord as compared to the average rate for all midsize cars, and $5 less per year than the all-vehicle national average of $1,523.
The following chart illustrates how average Accord car insurance rates change depending on driver age and policy deductibles. The prices shown are for an annual policy, and vary from $1,144 per year for a driver age 60 with deductibles of $1,000 to the highest cost of $3,524 per year for a driver age 20 with deductibles set at $250.
Chart Data Details: Chart shows average insurance cost for a 2021 Honda Accord with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Honda Accord trim levels.
To help illustrate how much variability there is with auto insurance rates, a liability-only policy for a Honda Accord in the more affordable parts of Idaho or Indiana costs as little as $237 a year. A newly-licensed teen driver with a tendency to speed in the most expensive zip codes in Los Angeles, CA, could get a bill for $12,106 a year for a full coverage policy.
With so many factors going into car insurance rates, we broke out a few of them to illustrate how different profiles and lifestyle choices can make significant differences in what you'll be paying to insure your Honda Accord.
- Expect to pay a lot for high risk insurance. For a 50-year-old driver, the requirement to buy a high-risk policy could raise rates by $1,794 or more per year. High-risk insurance is normally only required after serious offenses like DWI/DUIs, driving with a license or insurance, or multiple at-fault accidents.
- Driver gender influences rates. For a 2021 Honda Accord, a 20-year-old man pays an estimated $3,024 per year, while a 20-year-old female driver pays $2,234, a difference of $790 per year. Women get significantly cheaper rates at this age due to the tendency of males to be more aggressive and risk-tolerant. But by age 50, the cost for a male driver is $1,382 and the rate for women is $1,356, a difference of only $26. Marriage and kids will do that to a man.
- Avoiding accidents saves money. At-fault accidents raise insurance rates, possibly by an extra $2,132 per year for a 20-year-old driver and even $484 per year for a 50-year-old driver.
- Save money by qualifying for policy discounts. Discounts may be available if the insureds drive a vehicle with safety or anti-theft features, are claim-free, belong to certain professional organizations, insure their home and car with the same company, or many other policy discounts which could save the average driver as much as $256 per year.
- Get a discount from your choice of occupation. Some auto insurance providers offer policy discounts for specific professions like college professors, architects, doctors, members of the military, scientists, farmers, and other occupations. If you can get this discount applied to your policy, you may save between $46 and $151 on your annual insurance cost, depending on the age of the rated driver.
- Accord insurance for teen drivers is expensive. Average rates for full coverage Accord insurance costs $5,424 per year for a 16-year-old driver, $5,084 per year for a 17-year-old driver, and $4,750 per year for a 18-year-old driver.
- Auto insurance is cheaper with higher deductibles. Increasing deductibles from $500 to $1,000 could save around $242 per year for a 40-year-old driver and $476 per year for a 20-year-old driver.
- Lower deductibles raise insurance cost. Dropping your physical damage deductibles from $500 to $250 could cost an additional $252 per year for a 40-year-old driver and $500 per year for a 20-year-old driver.
What is the cheapest Accord to insure?
With Honda Accord car insurance cost ranging from $1,356 to $1,646 per year on average, the lowest-cost model to insure is the LX Sedan. The next cheapest trim level to insure is the EX Sedan at $1,448 per year.
Average Honda Accord insurance cost per month ranges from $113 to $137 depending on the trim level, so plan on budgeting at least $113 per month for full coverage insurance. This amount will vary depending on where you live, however.
For higher trim levels, the three most expensive Honda Accord models to insure are the Hybrid EX-L Sedan, the Touring Sedan, and the Hybrid Touring Sedan trim levels at an estimated $1,598, $1,620, and $1,646 per year, respectively.
The table below shows average Honda Accord insurance rates, including a monthly budget amount, for each available trim level for the 2021 model year.
| Honda Accord Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| LX Sedan | $1,356 | $678 | $113 |
| EX Sedan | $1,448 | $724 | $121 |
| Sport Sedan | $1,488 | $744 | $124 |
| Hybrid Sedan | $1,506 | $753 | $126 |
| EX-L Sedan | $1,526 | $763 | $127 |
| Hybrid EX Sedan | $1,552 | $776 | $129 |
| Hybrid EX-L Sedan | $1,598 | $799 | $133 |
| Touring Sedan | $1,620 | $810 | $135 |
| Hybrid Touring Sedan | $1,646 | $823 | $137 |
Table Data Details: Average rates are for a 2021 Honda Accord, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
How much is insurance on a used Honda Accord?
Insuring a 2013 Accord instead of a new 2021 model could save $412 or more each year. A 2017 model would save around $142 over the cost insurance for a new model.
The next table shows average Accord insurance costs for the 2013 to 2021 model years and for various driver age groups. Average policy cost ranges from $996 per year for a 60-year-old driver rated on a 2013 Honda Accord to the most expensive rate of $3,024 for a 20-year-old rated on a 2021 Honda Accord.
| Model Year | Driver Age 20 | Driver Age 30 | Driver Age 40 | Driver Age 50 | Driver Age 60 |
|---|---|---|---|---|---|
| 2021 | $3,024 | $1,600 | $1,518 | $1,382 | $1,360 |
| 2020 | $2,954 | $1,560 | $1,482 | $1,350 | $1,328 |
| 2019 | $2,930 | $1,542 | $1,464 | $1,336 | $1,314 |
| 2018 | $2,872 | $1,508 | $1,436 | $1,312 | $1,288 |
| 2017 | $2,746 | $1,440 | $1,376 | $1,256 | $1,232 |
| 2016 | $2,706 | $1,416 | $1,358 | $1,238 | $1,216 |
| 2015 | $2,394 | $1,254 | $1,206 | $1,102 | $1,080 |
| 2014 | $2,372 | $1,238 | $1,192 | $1,088 | $1,068 |
| 2013 | $2,198 | $1,150 | $1,106 | $1,014 | $996 |
Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
Eventually, as the vehicle gets older it will make sense to remove either comprehensive or collision or both from the insurance policy. As vehicles get older and lose value from depreciation, the extra cost of physical damage protection starts to surpass the benefits.
Vehicle ages beyond the scope of the table above may be candidates for removing full coverage. Dropping comprehensive and collision coverage could save around $624 per year, depending on how high the deductibles were and the driver age.
How does Honda Accord insurance cost compare?
When compared to other midsize cars, the Accord costs $2 less per year than the Toyota Camry, is $12 less than the Nissan Altima, costs $170 less than the Tesla Model 3, and is $106 more than the Chevrolet Malibu.
The Honda Accord ranks #5 out of 13 total vehicles in the 2021 midsize car segment for car insurance affordability. The Accord costs an average of $1,518 per year for full coverage insurance and the class average rate is $1,548 per year, a difference of $30 per year.
The chart below shows how average car insurance rates for an Accord compare to other popular 2021 midsize cars like the Toyota Camry, Nissan Altima, and the Chevrolet Malibu. In addition, you can also view a larger table after the chart detailing rates for all 13 vehicles in the midsize car segment.
Chart Data Details: Average rates are for a 2021 model year Honda Accord, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda Accord trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Honda Insight | $1,380 | -$138 |
| 2 | Mazda 6 | $1,408 | -$110 |
| 3 | Chevrolet Malibu | $1,412 | -$106 |
| 4 | Subaru Legacy | $1,500 | -$18 |
| 5 | Honda Accord | $1,518 | -- |
| 6 | Toyota Camry | $1,520 | $2 |
| 7 | Volkswagen Passat | $1,522 | $4 |
| 8 | Nissan Altima | $1,530 | $12 |
| 9 | Kia K5 | $1,554 | $36 |
| 10 | Volkswagen Arteon | $1,650 | $132 |
| 11 | Tesla Model 3 | $1,688 | $170 |
| 12 | Hyundai Sonata | $1,712 | $194 |
| 13 | Kia Stinger | $1,732 | $214 |
Honda Accord car insurance rates for teenagers
The Honda Accord has always been a solid choice for teenagers to drive. Reliability and safety make it a good choice for younger drivers, and insurance cost is affordable.
Regardless of the type of vehicle chosen, however, car insurance for teenagers is always going to be higher-priced than for more mature drivers. Teens are easily distracted behind the wheel and have not had the experience that only comes with time and age.
Nevertheless, the chart below shows average Honda Accord car insurance rates for teenage drivers from the age of 16 to 19. Rates are broken out for both male and female drivers due to the significant difference in gender-based rates. Prices range from a low of $3,830 to insure a 19-year-old female driver to a high of $5,424 to insure a 16-year-old male driver.
Chart Data Details: Teenage driver rates are for a 2021 model year Honda Accord with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Honda Accord trim levels.
As shown by the chart above, car insurance rates are highest for 16-year-old drivers and decline slightly each year. Honda Accord insurance for a 17-year-old driver costs an average of $4,510 for females and $5,084 for males. Insuring an 18-year-old on a Honda Accord would cost an average of $4,510 for females and $5,084 for males.
Keep in mind these rates are for a new 2021 Honda Accord, and rates tend to drop as the vehicle ages. Read the next section on liability-only insurance to get an idea of how to reduce the cost of Honda Accord car insurance for teens.
Full coverage vs. liability-only insurance cost
The teen driver rates in the chart above are for a 2021 Honda Accord with full coverage, which simply means insurance includes coverage for claims such as hail damage, collisions and vehicle theft.
A good way to reduce the cost of insurance for not only teenage drivers but any age driver is to purchase an older model Honda Accord and only insure it for liability insurance. This gives the required liability protection but saves money because you're not paying for comprehensive and collision coverage.
The table below compares the cost of full coverage Honda Accord car insurance to the cost of only insuring for liability coverage.
| Vehicle Model Year | Full Coverage Insurance | Liability Insurance |
|---|---|---|
| 2012 Honda Accord | $1,064 | $486 |
| 2011 Honda Accord | $1,030 | $482 |
| 2010 Honda Accord | $1,000 | $480 |
| 2009 Honda Accord | $958 | $476 |
| 2008 Honda Accord | $922 | $472 |
| 2007 Honda Accord | $884 | $468 |
| 2006 Honda Accord | $842 | $460 |
| 2005 Honda Accord | $806 | $452 |
| 2004 Honda Accord | $796 | $448 |
Table Data Details: Average insurance rates for each Honda Accord model year assume a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premium amounts. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.
One thing to note about buying a liability-only car insurance policy is that if you do have an accident or incident where there is physical damage to your vehicle, you have no coverage. So if you do not have the financial means to replace the vehicle, it may not be the best idea to drop physical damage coverage entirely.
Are Honda Accord insurance rates affected by where I live?
Depending on your address, insurance cost for a Honda Accord can vary from cheaper premiums like $982 a year in Virginia Beach, VA, or $898 in Raleigh, NC, to high rates like $2,834 a year in New York City and $5,922 in Detroit, MI.
Additional rates for large metro areas include Nashville, TN, at $1,504 per year, Omaha, NE, averaging $1,372, Boston, MA, costing $1,664, and Long Beach, CA, at $1,932.
The following bar chart ranks average insurance cost for a Honda Accord in the 15 largest metro areas in America. For this chart, rates range from $1,104 per year in Columbus, OH, to $2,834 in New York, NY, a difference of $1,730.
Chart Data Details: Chart shows average car insurance rates for a 2021 Honda Accord, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Honda Accord trim levels.
Average Honda Accord insurance cost by state
From a state perspective, states like Iowa ($1,002), North Carolina ($1,032), and Idaho ($1,012) tend to be on the lower side, while states like Michigan ($2,722), Florida ($2,050), and Kentucky ($1,716) have higher insurance rates.
Insurance costs in most states fall closer to the median, with states like Massachusetts, Missouri, and Kansas included in this group with average Honda Accord insurance rates of $1,276, $1,334, and $1,318 per year, respectively.
| U.S. State | Annual Cost | 6-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $1,276 | $638 | $106 |
| Alaska | $1,194 | $597 | $100 |
| Arizona | $1,372 | $686 | $114 |
| Arkansas | $1,458 | $729 | $122 |
| California | $1,682 | $841 | $140 |
| Colorado | $1,622 | $811 | $135 |
| Connecticut | $1,660 | $830 | $138 |
| Delaware | $1,646 | $823 | $137 |
| Florida | $2,050 | $1,025 | $171 |
| Georgia | $1,566 | $783 | $131 |
| Hawaii | $1,202 | $601 | $100 |
| Idaho | $1,012 | $506 | $84 |
| Illinois | $1,078 | $539 | $90 |
| Indiana | $1,104 | $552 | $92 |
| Iowa | $1,002 | $501 | $84 |
| Kansas | $1,318 | $659 | $110 |
| Kentucky | $1,716 | $858 | $143 |
| Louisiana | $2,246 | $1,123 | $187 |
| Maine | $962 | $481 | $80 |
| Maryland | $1,402 | $701 | $117 |
| Massachusetts | $1,276 | $638 | $106 |
| Michigan | $2,722 | $1,361 | $227 |
| Minnesota | $1,344 | $672 | $112 |
| Mississippi | $1,354 | $677 | $113 |
| Missouri | $1,334 | $667 | $111 |
| Montana | $1,394 | $697 | $116 |
| Nebraska | $1,200 | $600 | $100 |
| Nevada | $1,700 | $850 | $142 |
| New Hampshire | $1,102 | $551 | $92 |
| New Jersey | $1,472 | $736 | $123 |
| New Mexico | $1,314 | $657 | $110 |
| New York | $1,684 | $842 | $140 |
| North Carolina | $1,032 | $516 | $86 |
| North Dakota | $1,170 | $585 | $98 |
| Ohio | $1,022 | $511 | $85 |
| Oklahoma | $1,632 | $816 | $136 |
| Oregon | $1,342 | $671 | $112 |
| Pennsylvania | $1,338 | $669 | $112 |
| Rhode Island | $1,808 | $904 | $151 |
| South Carolina | $1,410 | $705 | $118 |
| South Dakota | $1,256 | $628 | $105 |
| Tennessee | $1,256 | $628 | $105 |
| Texas | $1,472 | $736 | $123 |
| Utah | $1,242 | $621 | $104 |
| Vermont | $1,052 | $526 | $88 |
| Virginia | $978 | $489 | $82 |
| Washington | $1,194 | $597 | $100 |
| West Virginia | $1,346 | $673 | $112 |
| Wisconsin | $1,108 | $554 | $92 |
| Wyoming | $1,352 | $676 | $113 |
Table Data Details: Average rates are for a 2021 Honda Accord, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Honda Accord trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.
Car Insurance Az for a 2015 Honda Accord Cost
Source: https://insuraviz.com/vehicles/honda/honda-accord-insurance/