How much is Honda Accord insurance in Florida?
For the driver profile in our methodology, a 2024 Honda Accord costs between $70/mo at the state minimum and $400/mo for low-deductible full coverage. Most owners land in the full-coverage row — lenders and lessors require it.
| Coverage level | What it covers | Monthly | Annual |
|---|---|---|---|
| Minimum Coverage | Other people's injuries and property only | $70 – $117 | $840 – $1,404 |
| Liability Only | Higher limits; still nothing for your car | $85 – $142 | $1,020 – $1,704 |
| Full CoverageMost ownersYou’re viewing this tier | Adds damage to your Accord, theft, glass | $203 – $339 | $2,436 – $4,068 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $240 – $400 | $2,880 – $4,800 |
What full coverage includes
- Florida no-fault liability limits with the mandatory $10,000 PIP
- Comprehensive: theft, hurricane wind and flood damage, vandalism, fire, animal strike
- Collision: at-fault crash damage to the Accord itself, standard $500 deductible
- Uninsured/underinsured motorist coverage
What Florida requires to drive a Accord
Florida lists 10/20/10 plus $10,000 PIP as the liability floor. That is what makes a Accord legal to drive — not full coverage, not a $500 deductible, and not a particular carrier.
- Liability floor
- 10/20/10 plus $10,000 PIP
- Fault system
- Florida is a no-fault state — PIP typically rides on every policy.
- PIP
- Personal injury protection is required at this state’s minimum.
- Uninsured motorist in the minimum
- UM/UIM is not listed as part of the state minimum in our registry — it is typically added, not assumed.
Accord insurance cost by model year
Newer models cost more to insure — a 2024 Accord runs about 17% more than a 2020 — because comp and collision track replacement value and parts cost. Liability barely moves with age.
| Model year | Full coverage / mo | Liability / mo | vs. 2024 |
|---|---|---|---|
| 2024 | $203 – $339 | $85 – $142 | — |
| 2023 | $193 – $322 | $84 – $141 | −5% |
| 2022 | $185 – $308 | $83 – $139 | −9% |
| 2021 | $177 – $295 | $82 – $136 | −13% |
| 2020 | $168 – $281 | $80 – $133 | −17% |
Accord vs. comparable vehicles
How the Accord stacks up against the vehicles shoppers most often cross-shop it with — the Toyota Camry insures for about 11% less in Florida. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Accord | Why it differs |
|---|---|---|---|
| Honda Accord | $203 – $339 | — | Segment-average claim severity |
| Toyota Camry | $181 – $302 | −11% | Camry's lower claim severity and cheaper repairs edge it under the Accord. |
| Nissan Altima | $191 – $318 | −6% | Altima runs higher claim frequency in urban rating territories. |
| Hyundai Sonata | $196 – $327 | −4% | Sonata's lower sticker is offset by its mid-pack theft ranking. |
Accord insurance cost by Florida city
Miami drivers pay about 24% above the state average while Tallahassee runs 10% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. FL average |
|---|---|---|
| Miami | $252 – $420 | +24% |
| Tampa | $227 – $380 | +12% |
| Orlando | $219 – $366 | +8% |
| Jacksonville | $199 – $332 | −2% |
| Tallahassee | $183 – $305 | −10% |
Why Accord insurance costs what it costs
A 2024 Accord in Florida carries two risk profiles that rarely show up on the same policy. Nationally, the Accord ranks 7th on vehicle theft lists — Honda's production volume and a deep parts market keep it a standing target for thieves. Titled in Florida, it also sits under a mandatory $10,000 PIP floor and squarely in hurricane country, where catastrophic storm losses are a recurring cost driver for insurers. Full coverage is the tier priced to answer both: expect $203–$339 a month for standard full coverage on this car in this state.
Full coverage here is Florida's no-fault liability structure — the $10,000 PIP is non-negotiable on every policy — plus comprehensive and collision at a standard $500 deductible, plus uninsured/underinsured motorist protection. Comprehensive is the coverage doing the real work for this specific car: it's what pays out if the Accord is stolen, broken into, or damaged by hurricane wind and flood. Collision pays for at-fault crash damage to the Accord itself; the liability layer underneath both is where Florida's litigation-heavy claims environment shows up in the pricing — a cost baked into every tier here, not unique to this one.
Line up the tiers and the gap is concrete, not abstract: Florida-minimum liability runs $70–$117, liability-only — higher limits than the state floor, still nothing for the Accord itself — runs $85–$142, and full coverage at the standard deductible runs $203–$339. Drop the deductible to $250 and the band climbs to $240–$400. Between liability-only and full coverage, that's roughly $118 to $197 more a month: comprehensive and collision paying for a car that's a national theft target sitting in a hurricane zone, not a markup from generic risk-rating.
The Accord's five-star crash rating and moderate repair costs keep the collision side of that premium in check — this isn't a car where routine bodywork turns into a total-loss spiral. The pressure comes from Florida's structural cost drivers: the mandatory PIP floor, hurricane catastrophic exposure, and a litigation rate among the highest in the country. Florida's 2023 tort reform (HB 837) is bending the statewide curve down, but the state still ranks 49th of 50 for cost — among the most expensive in the nation — and full coverage on a mid-tier, high-theft sedan here reflects that.
What the model knows about this Accord
- NHTSA overall
- 5 starsFeeds the safety multiplier in our rate model. We do not publish IIHS/HLDI scores — they are not in this registry.
- NICB theft list
- Rank #7On-list vehicles get a comprehensive surcharge in rates.ts.
- MSRP tier
- mainstreamReplacement-cost proxy. Higher tiers raise the full-coverage mid-point.
- Repair severity
- moderateClaim-severity proxy used only on comprehensive/collision, not on the liability floor.
Is full coverage the right tier for you?
- Anyone financing or leasing the Accord — lenders require comp and collision, and insurers price it accordingly since this model's theft ranking makes a payout more likely than average
- Owners who can't self-insure a mid-tier sedan against a stolen-car or named-storm total loss — comprehensive is the line that actually reimburses theft and hurricane wind/flood damage here
- Drivers who want UM/UIM built into the policy, given how routinely at-fault liability claims get contested and litigated in Florida's courts
- Owners of an older, paid-off Accord whose current market value has dropped well below what a year of full-coverage premiums would cost — the comp/collision math stops working at that point
- Drivers who garage the car or live somewhere theft risk runs meaningfully below the Accord's national exposure, cutting into the biggest driver of the comprehensive premium
- Self-insurers with enough liquid savings to absorb a total loss out of pocket who are comfortable carrying just Florida's no-fault liability minimums
$500 vs $250 deductible on a Accord
On a Accord this model prices a $250 deductible at $37–$61/mo above the $500 deductible. You save $250 per comprehensive or collision claim; you pay the extra premium every month whether you claim or not.
| Tier | Deductible | Monthly | Annual | In this file |
|---|---|---|---|---|
| Standard full coverageYou’re viewing this tier | $500 | $203 – $339 | $2,436–$4,068 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $240 – $400 | $2,880–$4,800 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full coverage
These are typical market add-ons, not Florida mandates and not priced in our rate model. Confirm each line on a quote.
- Rental reimbursement
If this Accord is your only car, a shop visit without a rental add-on is an out-of-pocket week.
Not automatic on full coverage. Typical market price cited elsewhere on this site is $5–15/mo — confirm on the quote, do not treat that as a filed FL rate.
- Loan/lease payoff (gap)
New or financed Honda Accord: actual cash value after a total loss can sit below the loan.
State law does not require gap. Lenders sometimes sell it at the dealership; price it against the same add-on on the auto policy.
- Roadside assistance
Useful on a sedan you drive far from a dealer network — towing, lockout, flat.
2024 vehicles may still have factory roadside; stacking two roadside products rarely helps.
Carriers that commonly quote Florida
These are carriers we have real logos for and that commonly quote Florida. We do not publish a per-carrier Accord price — that would be a fabricated quote. The range on this page is the modeled band, not “from $X at GEICO.”
GEICOLowest base rate
ProgressiveSR-22 + tickets
The Hartford50+ drivers (AARP)
How to lower your Accord rate
- Raise your deductible to $1,000. On a Accord premium this is the single biggest lever you control directly.Saves ~$22–$41/mo
- Shop at least three carriers. Rates for the identical Accord profile differ by 2x or more between carriers in Florida.Saves up to $1,000+/yr
- Right-size your PIP. Florida is a no-fault state — if your health insurance already covers auto injuries, coordinating or trimming PIP limits cuts a mandatory coverage you may be double-paying.Saves 5–15%
- Add an anti-theft device. The Accord is on the NICB most-stolen list — a tracked immobilizer or kill switch earns a filed comprehensive credit with most carriers.Saves 3–10%
- Report your real mileage. Commuting under ~10,000 miles a year moves you down a rating band with most carriers, and pay-per-mile programs go further if you drive little.Saves 5–15%
- Bundle home or renters. Multi-policy is the largest standing discount most carriers file — typically 10–20% off the auto side.Saves 10–20%
About these numbers
Sources. Rate ranges are modeled from average premiums published by the Florida Department of Insurance and industry rate data, adjusted per vehicle using NICB theft rankings, NHTSA safety ratings, MSRP tier, and repair-severity data. They are estimates, not filed quotes.
Rating profile. Unless noted: a 35–55-year-old driver with a clean record, average credit where states allow it, 12,000 annual miles, and standard $500 comprehensive and collision deductibles. Your rate will differ — that is the point of quoting.
Ranges, not averages. We publish a band rather than a single average because the spread between carriers for the same driver routinely exceeds 2x — a lone number hides the gap that makes shopping worth your time.
What this model does not do. It does not publish age-band prices, ticket/DUI/credit surcharge tables, per-carrier quotes, J.D. Power ranks, NAIC complaint indexes, or IIHS/HLDI scores. Vehicle knobs are only the four in the rate model: MSRP tier, NICB theft rank, NHTSA stars, and repair-severity tier. The $250-deductible band is the $500 band × 1.18.
Honda Accord insurance in Florida: FAQ
01Why does full coverage cost more than double liability-only for an Accord in Florida?
Liability-only ($85–$142) already buys higher limits than Florida's bare state minimum, but it still pays nothing if your own Accord is stolen, storm-damaged, or wrecked in a crash you cause. Full coverage ($203–$339) adds comprehensive and collision on top of that base — and this car's top-10 national theft ranking plus Florida's hurricane exposure make those two add-ons carry real weight in the premium.
02Does full coverage actually pay out for hurricane damage?
Yes — wind and flood damage from a named storm falls under comprehensive, which is included in the full-coverage tier. Liability-only and minimum policies don't touch it; only comprehensive, bundled here with collision, pays for storm losses to the vehicle itself.
03The Accord has a 5-star crash rating — shouldn't that lower my premium more?
It helps on the collision and liability side by limiting injury-claim severity, but it does nothing for the comprehensive/theft piece — that's driven by the Accord's national theft ranking, not its crash-test performance. The safety rating offsets some cost; it doesn't touch the theft premium.
04Is the low-deductible option ($240–$400) worth it over the standard $500 deductible ($203–$339)?
It's a real trade-off: roughly $35–$60 more a month buys a smaller out-of-pocket hit on the exact claims this car is prone to — a stolen vehicle or storm damage. If covering a $500 deductible on short notice after a theft or hurricane claim would be a stretch, the lower-deductible tier is the more honest budget fit.
05Is full coverage required on a financed Accord in Florida?
Typically yes, by contract — not by Florida statute. The state floor is 10/20/10 plus $10,000 PIP. A lender can force-place a policy if you drop comprehensive or collision. This page models the $500-deductible stack at $203 – $339.
06What does Florida actually require to drive a Accord?
Florida lists 10/20/10 plus $10,000 PIP as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $203 – $339 for a 2024 Honda Accord.
