How much is full coverage insurance on a 2021 Honda Accord?

For a typical 30-year-old driver with a clean record, national averages in 2025 put full coverage on a 2021 Honda Accord around $1,900–$2,600 per year ($160–$220 per month). Costs vary widely by state, driving history, credit (where permitted), coverage limits, deductibles, and even the Accord’s trim; low-cost states can fall near $1,300–$1,700 annually, while high-cost states can exceed $3,000, and teen drivers often pay several times more.

What drivers are paying in 2025

Insurance rates have risen significantly since 2022 due to higher repair costs, severe weather losses, and medical inflation. Within that environment, the 2021 Honda Accord remains a relatively affordable midsize sedan to insure thanks to strong safety ratings and widely available parts. Here’s how premiums commonly shake out this year for different profiles and locations.

• 30-year-old, clean record, standard full coverage: about $1,900–$2,600 per year nationwide.
• 40-year-old, clean record: roughly $1,700–$2,400 per year.
• 22-year-old, clean record: often $2,800–$4,800 per year.
• 18-year-old, clean record: frequently $5,500–$8,500 per year.
• Minimum liability only (varies by state): about $600–$1,400 per year.
• High-cost states (e.g., FL, LA, MI, NY): $2,800–$4,200 per year for a 30-year-old.
• Low-cost states (e.g., ME, VT, ID, NH, WI): $1,200–$1,700 per year for a 30-year-old.
• Trim effect (Touring vs. LX): typically +$100–$250 per year due to repair and wheel/tire costs.
• Deductible change ($500 to $1,000): often saves about 7–15% on comp/collision portions.

These figures represent typical ranges, not quotes; your price can swing meaningfully based on ZIP code risk, chosen limits, and insurer underwriting.

What “full coverage” usually includes

“Full coverage” isn’t a formal policy type—it’s shorthand for combining mandatory liability protection with physical damage coverage for your Accord. Details can vary by state and insurer, but it commonly includes the following elements:

• Liability: Bodily injury and property damage coverage that pays others if you’re at fault; many drivers choose limits around 100/300/50 or higher.
• Collision: Pays to repair or replace your Accord after a crash, usually with a $500–$1,000 deductible.
• Comprehensive: Covers non-collision losses (theft, vandalism, hail, flood, fire, animal strikes), also with a deductible.
• Uninsured/Underinsured Motorist: Protects you if an at-fault driver lacks adequate coverage; required in some states.
• PIP or MedPay: Medical coverage for you and passengers; required in no-fault states and optional elsewhere.

Because “full coverage” is customizable, the limits and deductibles you select will materially affect your premium and out-of-pocket risk.

What affects the price of insuring a 2021 Accord

Insurers price risk using dozens of variables. The items below tend to have the biggest day-to-day impact on Accord premiums.

• Where you live and park: Urban, storm-prone, or theft-heavy ZIP codes cost more than rural or low-claim areas.
• Driving record and claims: Recent at-fault crashes, speeding, or DUIs sharply increase rates.
• Annual mileage and use: Higher miles or frequent commuting generally cost more than low-mileage pleasure use.
• Credit-based insurance score: Used in most states; stronger credit usually lowers premiums.
• Coverage and deductibles: Higher liability limits raise premiums; higher deductibles lower them.
• Trim and equipment: Bigger wheels, turbo engines, and advanced headlights can increase repair costs; anti-theft devices and standard Honda Sensing can help.
• Telematics and safety programs: Usage-based apps can reduce rates for consistently safe driving.
• Discounts: Bundling home/auto, multi-vehicle, defensive driving, good student, pay-in-full, and employer/association affiliations.

The combined effect of these factors can easily double or halve what two similar drivers pay for the same model.

Realistic example scenarios

To put the ranges in context, here are modeled scenarios for a 2021 Accord with common coverage selections. These are estimates—shop for quotes to verify your exact rate.

• Suburban Ohio, 35-year-old, clean record, 100/300/100, $500 deductibles: about $1,450–$1,700 per year.
• Los Angeles, CA, 30-year-old, clean record, same limits: about $2,300–$2,800 per year.
• Miami, FL, 30-year-old, clean record, same limits: about $3,100–$3,700 per year.
• Dallas, TX, 30-year-old, clean record, same limits: about $1,900–$2,300 per year.
• Seattle, WA, 45-year-old, clean record, same limits: about $1,600–$1,900 per year.
• 18-year-old added to parents in Georgia, same car and limits: often $4,800–$6,800 additional per year.

State-specific regulations (like Florida’s injury coverages or Michigan’s PIP rules) and local claim trends are big drivers of the differences above.

Ways to lower your Accord premium

You can often trim costs without sacrificing essential protection by adjusting how and where you buy coverage.

1. Compare at least 3–5 carriers, including a mutual/AAA and an online direct writer—pricing can vary by hundreds.
2. Right-size limits and deductibles: consider 100/300/100 liability and a $750–$1,000 physical damage deductible if you can afford the risk.
3. Bundle home or renters insurance for 10–25% multi-policy discounts.
4. Opt into telematics; safe driving and low mileage frequently earn 10–20% savings after the trial period.
5. Ask for all eligible discounts (good student, employer/alumni, defensive driving, anti-theft, pay-in-full, e-docs).
6. Keep your record clean and review tickets for traffic school eligibility where allowed.
7. Re-shop at renewal, especially after life events (move, marriage, improved credit where applicable).

Small changes—especially bundling and telematics—often produce the largest ongoing savings for Accord owners.

Methodology and assumptions

These estimates synthesize recent market rate trends, insurer filings, and consumer quote data through 2025. To make the figures meaningful, we used typical assumptions noted below.

• Vehicle: 2021 Honda Accord (commonly LX 1.5T), 12,000–15,000 miles per year.
• Driver: Clean record unless noted; good credit where permitted; continuous insurance.
• Coverage: Liability around 100/300/50 or 100/300/100; comprehensive and collision with $500–$1,000 deductibles; UM/UIM where common; PIP/MedPay per state rules.
• Location: City-specific examples reflect prevailing 2025 rate levels and local loss trends.

Use these as directional benchmarks. Only live quotes—same day, same coverages—can confirm your exact premium.

Summary

Most 30-something drivers can expect to pay about $1,900–$2,600 per year for full coverage on a 2021 Honda Accord in 2025, with state and personal factors pushing costs lower in the $1,300–$1,700 range or higher above $3,000. Clarify your coverage, compare multiple insurers, and leverage bundling and telematics to land a competitive rate.

Why is my car insurance $4000 a year?

Auto insurance premiums are determined by factors you can control — such as where you live, the type of car you drive and how much coverage you buy — and those you can’t, such as your age or inflation. Poor credit can significantly raise your rates in many states, as can accidents or DUI violations.

Is $500 a month expensive for car insurance?

A $500 monthly car insurance premium is very expensive. Minimum coverage costs about $60 per month on average, while full coverage costs an average of $166 per month, so paying $500 per month for car insurance would be a lot.

Are Honda Accords more expensive to insure?

While not as expensive as luxury or high-performance vehicles, Honda Accords can be surprisingly expensive to insure, sometimes costing more than expected for a mid-size sedan. This is due to several factors, including the Accord’s popularity, which can lead to higher accident rates and repair costs. 
Here’s a more detailed breakdown:

• Mid-Range Cost: Honda Accords generally fall into the mid-range category for insurance costs, but they can still be significantly higher than smaller, less powerful cars. 
• Factors Influencing Cost: Several factors affect insurance rates, including:
  • Model Year: Newer models tend to have higher premiums than older ones. 
  • Trim Level: Higher trim levels with more features or performance upgrades can also increase costs. 
  • Driver’s Age and Driving History: Teen drivers and those with a history of accidents or traffic violations will face higher premiums. 
  • Location: Premiums can vary significantly by state and even by city. 
  • Coverage Level: Full coverage insurance (including comprehensive and collision) is more expensive than liability-only coverage. 
• Comparison with Other Vehicles:
  • Accords can be more expensive to insure than smaller sedans like the Honda Civic. 
  • They may be less expensive to insure than some larger SUVs or luxury vehicles, but the difference can be surprisingly small, according to MotorTrend. 
• Cost-Saving Tips:
  • Shop Around: Get quotes from multiple insurance companies to find the best rates. 
  • Consider Discounts: Inquire about potential discounts for good driving habits, multi-car policies, or other factors. 
  • Maintain a Good Driving Record: Avoid accidents and traffic violations to keep your premiums down, according to CarEdge. 
  • Review Coverage Needs: Ensure you have the appropriate level of coverage for your needs without overpaying for unnecessary extras. 

How much is insurance on a 2021 Honda Accord?

The average insurance cost for a 2021 Honda Accord can vary significantly, but a full coverage policy might cost around $1,500 to $1,800 annually ($125-$150 monthly), while a minimum coverage policy could be around $600 a year ($50 monthly). However, costs depend on many factors, including your location, driving record, the specific trim level, and the insurance provider. 
Average Costs

• Full Coverage: You might pay an average of $1,495 per year for a 2021 Honda Accord, which is about $125 per month. 
• Minimum Coverage: A policy with only the required minimum coverage could cost around $600 annually or $50 per month. 

Factors Influencing Cost

• Location: Premiums differ significantly by state and even by city or ZIP code. 
• Driving Record: A clean driving history generally leads to lower premiums. 
• Driver Characteristics: Age, gender, and credit score all play a role in determining your rate. 
• Vehicle Trim: Specific features or performance of different Accord models can affect insurance costs. 
• Insurance Provider: Different companies offer varying rates and discounts. 

How to Find Your Specific Cost

• Get Quotes: Obtain personalized quotes from multiple insurance providers online or through an agent to find the best rate for your specific situation. 
• Compare Coverage Options: Decide whether you need comprehensive and collision coverage (full coverage) or if a liability-only policy meets your needs.