Honda Accord Insurance Costs in Ohio
The Honda Accord has earned consecutive IIHS Top Safety Pick+ awards and consistently ranks among the safest mid-size sedans. Insurance costs reflect this safety advantage — Accord premiums are near-identical to the Camry, with slightly lower comprehensive premiums due to a historically better theft profile.
Honda Accord Insurance Tips
Accord earns IIHS Top Safety Pick+ — insurance companies reward this with 5–10% lower premiums vs segment average
Honda Sensing standard across all 2026 trims qualifies for active safety discounts at most major insurers
Accord Hybrid rates are only $80–$150/year higher than gas variants due to proven hybrid reliability
Accord has higher resale value than Camry in most markets — factor this into gap insurance decisions on a new purchase
Honda Accord Insurance Rates by State
Full coverage, standard driver profile (35 yr, 12K miles/yr, 10 yrs experience). Click any state for a detailed breakdown.
How to Get the Cheapest Honda Accord Insurance Rate
Compare at least 5 quotes
Rates for the same Honda Accord driver profile vary $400–$1,200/year between insurers. Always compare GEICO, Progressive, State Farm, Erie, and your local regional insurer.
Bundle home and auto
Most insurers offer 10–25% multi-policy discounts. Bundling your Honda Accord with homeowners or renters insurance typically saves $180–$400/year.
Raise your deductible
Moving from a $500 to $1,000 deductible saves $150–$350/year. Only do this if you can comfortably cover $1,000 out-of-pocket after a claim.
Ask about safety technology discounts
The Honda Accord's safety features (automatic emergency braking, lane assist) qualify for ADAS discounts of 5–12% at most major insurers. Confirm this discount is applied to your quote.
Maintain a clean driving record
A single at-fault accident adds 25–45% to your premium for 3–5 years. The single most impactful long-term strategy for low insurance costs is accident avoidance.