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 owners | Adds damage to your Accord, theft, glass | $203 – $339 | $2,436 – $4,068 |
| Full Coverage + Low DeductibleYou’re viewing this tier | Same, with less out of pocket per claim | $240 – $400 | $2,880 – $4,800 |
What full coverage + low deductible includes
- Comprehensive and collision with a $250 deductible on each, down from the $500 standard full-coverage tier
- Frequently paired with 100/300/100 liability limits instead of Florida's state minimums
- Comprehensive is what actually carries this tier for a Florida Accord: theft, hurricane wind, flood intrusion, and falling debris
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
The Honda Accord carries a top-ten national theft ranking — 7th overall — and Florida is the rare state that pairs that kind of exposure with mandatory no-fault PIP and hurricane catastrophic risk on the same policy. PIP pays medical bills after a crash; it does nothing for a stolen Accord or a storm-cracked windshield. That's comprehensive and collision territory — the two coverages this tier is built around, with the deductible cut to $250 from the usual $500. For an Accord owner in Florida, the question isn't whether to carry full coverage. It's how much of the claim check you want to write yourself when something happens to the car — not if.
Florida ranks 49th nationally for insurance affordability. The PIP mandate, a heavy litigation environment, and catastrophic losses from named storms all drive that number, and HB 837's 2023 tort reforms are trimming the edges without lifting the state out of the bottom tier. Standard full coverage on this Accord runs $203–$339 a month; stepping the deductible down to $250 pushes that to $240–$400. That $37–$61 premium bump buys back $250 on every comprehensive or collision claim, and with the Accord's moderate repair-cost profile — a cracked bumper, hail dents, a break-in — claims tend to land in a range where that $250 actually matters.
The math sharpens against the cheaper tiers. Minimum coverage on this Accord runs $70–$117 a month and liability-only $85–$142 — both clear Florida's PIP floor but leave a stolen or flood-damaged Accord completely uninsured for its own repair or replacement. Full coverage closes that gap; the low-deductible version just changes who eats the first several hundred dollars of a claim. For a financed or leased Accord, where the lender already mandates comprehensive and collision, the $250 deductible isn't really a coverage decision — it's a bet on how often this specific car, in this specific state, actually generates a claim.
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 + low deductible the right tier for you?
- Financed or leased 2024 Accord owners in Florida — the lender requires full coverage regardless, and the car's 7th-place theft ranking makes a comprehensive claim more likely than on an average sedan
- Households in hurricane-exposed counties like Miami-Dade, Tampa Bay, or Orlando who don't want a named-storm claim — a flooded interior, wind-blown debris — to double as a $500 surprise bill
- Drivers who street-park in theft-prone Florida metros, where Accord break-ins and thefts cluster, and want the per-incident hit capped at $250 instead of $500
- Owners with a paid-off Accord and a solid emergency fund — the $37–$61 monthly premium for the lower deductible outweighs the $250 per-claim savings unless claims come often
- Anyone garaging the car overnight away from Florida's theft-prone metro corridors — the exposure that drives this tier's value drops sharply for a secured vehicle
- Budget-constrained shoppers who just need Florida's $10,000 PIP floor met — they're better served starting at liability ($85–$142) than paying full-coverage-plus rates
$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 coverage | $500 | $203 – $339 | $2,436–$4,068 | Default first-party deductible in this model |
| Low-deductible full coverageYou’re viewing this tier | $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 + low deductible 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 is the deductible drop so expensive on a Honda Accord specifically?
Insurers price a $250 deductible off how often comprehensive claims actually get filed on a given model, and the Accord's 7th-place national theft ranking means more of those filings than a car without that target profile. That's the main driver behind the $240–$400 band versus $203–$339 for standard full coverage on the same car — a $37–$61 gap most low-theft sedans wouldn't see.
02Does Florida's PIP requirement cover any of this?
No. The mandatory $10,000 PIP pays medical bills for you and your passengers regardless of fault — it has nothing to do with damage to the Accord itself. A stolen car, hail damage, or a flooded interior falls under comprehensive; a collision with another vehicle falls under collision. Both live inside this full-coverage-plus tier, entirely separate from PIP.
03Is the $250 deductible worth it during hurricane season?
For anyone in a storm-exposed county, generally yes. Comprehensive is what pays out for wind damage, flood intrusion, and falling debris, and a named storm tends to generate claims on thousands of cars in the same week, which backs up adjusters and stretches repair timelines. Capping your share at $250 instead of $500 matters more in a season where you could be filing alongside every other Accord and sedan on your block.
04Does it still make sense to drop to $250 if my Accord isn't financed?
It depends on how exposed the car actually is. Paid off, garaged, and outside a coastal or theft-heavy metro, the $37–$61 monthly premium for the lower deductible often costs more over a policy year than the $250 it saves on a single claim. Street-parked in a theft-prone area or sitting in a hurricane corridor, the math flips — the Accord's theft ranking and Florida's storm exposure make a claim likely enough that the lower deductible pays for itself.
05How much more is the $250 deductible on a Accord in Florida?
This model prices it 18% above the $500-deductible full-coverage band: $203 – $339 → $240 – $400. That 18% is a file assumption (see methodology), not a carrier filing we scraped.
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.
