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This article is intended for informational purposes only. Insurance rates vary by state, driving history, and coverage selections. Contact insurers directly for personalized quotes.
The Honda Accord is one of the best-selling midsize sedans in America. It’s affordable, practical, and dependable. But here’s what catches buyers off guard: the Accord is also one of the most stolen cars in the country. That reality pushes insurance costs higher than you might expect.
The 2023-2026 Accord redesign brought top safety ratings from the IIHS, which helps offset some of that theft-driven cost. Understanding how these factors interact is the key to finding the best rate on Accord insurance.
Top Safety Pick+ Rating: The Good News
The 2025 Honda Accord earned the IIHS Top Safety Pick+ award, the organization’s highest rating. This applies to 2023-2026 models across all trims.
The award recognizes excellent performance in crash tests. The Accord received “Good” ratings in small overlap front crashes, moderate overlap front crashes, and side-impact crashes. It also earned a “Good” rating for headlights across all trims, which is notable because some competitors vary by trim level.
The vehicle’s front crash prevention system (Honda’s Collision Mitigation Braking System) earned an “Acceptable” rating in pedestrian testing. In the 12 mph test with a crossing child during the day, the vehicle avoided a collision. At 25 mph with a crossing adult at night, the system avoided a collision when using high beams.
Top Safety Pick+ vehicles qualify for insurance discounts with many carriers. These discounts typically apply to collision and comprehensive coverage. Ask your insurer if your Accord qualifies when you get your quote.
The Theft Problem: Why the Accord Costs More
The Honda Accord is the second-most stolen car in the United States, behind only the Toyota Camry. This reality drives insurance costs significantly higher across the board.
According to HLDI data, Honda Accord theft risk varies dramatically by trim level. The Sport trim (with 19-inch wheels) has theft frequency over 7 times higher than the LX trim. The Touring trim with 19-inch wheels also carries significantly higher theft risk.
This is why you’ll see a noticeably different insurance quote between an LX and a Sport Accord. The Sport’s aggressive styling and upgraded features make it more attractive to thieves. Wheel size matters too. The 19-inch wheels found on higher trims are easier to steal and resell, which increases comprehensive claim frequency.
Comprehensive coverage (which covers theft) will be your biggest cost variable depending on trim level. A Sport or Touring Accord will carry comprehensive premiums 3-4 times higher than an LX in the same state with the same driver profile.
Trim Levels and Their Insurance Implications
The 2025-2026 Accord comes in five trims: LX, EX, Sport, EX-L, and Touring. There’s also a Hybrid variant in each trim level.
LX: The entry-level trim is the cheapest to insure because it attracts fewer thieves. It comes with 17-inch wheels, which are harder to resell and less appealing to criminal buyers. If insurance cost is your main concern, the LX is your best choice.
EX: The EX adds features and upgrades from the LX but sticks with 17-inch wheels in most cases. Insurance costs rise slightly compared to the LX, but not dramatically.
Sport: This is where costs jump. The Sport comes with 19-inch wheels and more aggressive body styling. It’s significantly more attractive to thieves. Comprehensive premiums can increase 30-50% compared to an LX. If you’re comparing Accords and cost matters, skip the Sport unless you’re prepared for higher insurance.
EX-L and Touring: These upper trims have 18-inch or 19-inch wheels depending on year and options. Insurance costs are high, especially for Touring trims with 19-inch wheels. These are luxury-focused trims, and the insurance reflects that.
Hybrid trims: The Accord Hybrid is available in most trim levels. Hybrid models cost more to insure than gas-only versions because the battery system is expensive to repair. Expect to pay an additional $20-40 per month for a Hybrid over a comparable gas Accord.
Safety Features That Affect Rates
All 2023-2026 Accords come standard with Honda Sensing, a suite of safety and driver assistance features: – Adaptive cruise control with low-speed follow – Lane keeping assist – Collision mitigation braking – Lane departure warning
These features can earn you discounts with some carriers. Ask your insurer specifically about Honda Sensing discounts. Some companies offer 5-10% off collision coverage for vehicles with this technology.
The Accord also earned an “Acceptable” rating for child seat anchors with extra LATCH positions, which is good for families. Some insurers offer small discounts for vehicles with excellent LATCH performance.
How State and Driving Profile Affect Your Quote
Like all vehicles, Accord insurance costs vary significantly by state. No-fault states charge more. High-crime states charge more. But the Accord’s theft problem is especially pronounced in major metropolitan areas.
A 40-year-old driver with a clean record might pay $85-110 per month for an LX in a rural Colorado location. The same profile in California’s theft hotspots could pay $140-180 per month. In Michigan, where no-fault coverage is required, the same driver could pay $180-220 per month.
A younger driver (age 25) or someone with an at-fault accident will see quotes 40-100% higher than the baseline. A driver with a clean record can lock in lower rates by bundling home and auto insurance, which typically saves 15-25%.
Comparison to Similar Vehicles
The Accord competes with the Toyota Camry, Nissan Altima, and Hyundai Sonata. Theft rates and insurance costs separate these sedans more than sticker prices do.
The Camry costs slightly more to insure than the Accord because it’s the #1 stolen vehicle in America. The Nissan Altima costs about the same or slightly less. The Hyundai Sonata costs significantly less to insure than the Accord because it’s less attractive to thieves and has lower overall repair costs.
If you’re choosing between these vehicles and insurance cost is a priority, the Sonata offers a meaningful savings advantage. But if you prefer Honda’s reliability reputation, the Accord is still a solid value despite higher theft-driven costs.
Honda Accord Insurance Rates: What You’ll Actually Pay
Here’s a real-world example: A 45-year-old married driver in Texas with a clean driving record and homeowner’s insurance:
- LX with 17-inch wheels: $98-115/month for full coverage ($500 deductibles)
- EX with 17-inch wheels: $105-125/month
- Sport with 19-inch wheels: $145-180/month
- Touring with 19-inch wheels: $165-210/month
- LX Hybrid: $125-145/month
The same driver in California would pay roughly 40-60% more on each trim. In Michigan, add another 50-80% on top of that.
These are estimates for drivers with clean records and bundled policies. One at-fault accident or violation will increase your quote by 25-75% depending on severity and carrier.
Your renewal letter is the best reminder to check these numbers. Rates drift up over time, even for drivers with clean records. A quote that beat every competitor two years ago can quietly become the most expensive option on the list. Set aside twenty minutes before each renewal to compare Honda Accord insurance rates from at least three carriers.
Keep your current policy active while you shop. A lapse in coverage, even a short one, flags you as a higher-risk driver and raises the price of every quote that follows. Lock in the new policy first, then cancel the old one once the start date is confirmed.
Bring your trim level and safety-feature list to every quote. The gap between an LX and a Touring shows up in the premium, and so do driver-assist discounts.
How to Save on Insurance
The Accord’s theft reputation makes it expensive to insure, but you can minimize costs with these strategies:
Choose the LX trim if possible. The base trim with 17-inch wheels is dramatically cheaper to insure than a Sport or Touring. The savings can reach $50-100 per month.
Bundle home and auto insurance. Multi-policy discounts typically run 15 to 25 percent on your Accord premium. Most carriers require you to ask for the discount actively.
Ask about Honda Sensing discounts. Your Accord comes standard with safety technology that some carriers reward. Get quotes from multiple companies. Discounts vary widely.
Install an anti-theft device. A GPS tracker or steering wheel lock can earn you a 5-15% discount on comprehensive coverage. For a car that’s theft-target #2, this is worth doing.
Park in a garage. If you have access to a garage, use it. Garaged vehicles have significantly lower theft risk. Some insurers offer discounts if you park off-street.
Raise your deductibles. Moving from $500 to $1,000 on collision and comprehensive often trims those line items 10 to 15 percent, and can save roughly $80 to $180 a year. Only do this if you have emergency savings to cover that deductible.
Maintain a clean driving record. One accident or ticket will raise your Accord quote 25-75%. Defensive driving courses can sometimes get a violation removed or discounted, which helps your rate long-term.
Compare quotes annually. Accord rates change based on theft trends. What you paid last year may not be the best rate available today. Getting three quotes every renewal is standard practice.
With the Accord, the highest-impact moves are choosing a lower trim like the LX, bundling for a 15 to 25 percent multi-policy discount, and adding anti-theft protection that addresses its standing as a top theft target. Stack a clean record and a garaged parking spot on top, since both quietly lower the comprehensive side year after year. Compare at least three quotes at every renewal, because Accord pricing tracks theft trends and last year’s best rate rarely stays the best for long.