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 OnlyYou’re viewing this tier | 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 Deductible | Same, with less out of pocket per claim | $240 – $400 | $2,880 – $4,800 |
What liability only includes
- Bodily Injury Liability, typically 50/100 or 100/300
- Property Damage Liability, typically $50K-$100K
- Florida's mandatory $10,000 PIP and $10,000 property damage floor, included regardless of tier
- Optional Uninsured/Underinsured Motorist coverage
- Optional Medical Payments coverage
- No comprehensive or collision — zero payout for theft, hurricane damage, or at-fault vehicle repair
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
Florida doesn't require bodily injury liability by law — its only mandatory coverages are $10,000 in Personal Injury Protection and $10,000 in property damage liability, under the state's no-fault system. That's what makes liability-only consequential here: you're not topping up an existing BI limit, you're adding one that never existed on the policy. Move to 50/100 or 100/300 bodily injury and $50K-$100K property damage for $85-$142 a month, and you've built the first real defense against Florida's no-fault mechanics, which let an injured party sue past PIP once a crash clears the serious-injury threshold — common in a state ranked 49th nationally on cost, driven by hurricane exposure and a litigation rate recent tort reform (HB 837, 2023) is only starting to cool.
None of that liability upgrade touches the Accord itself. This 2024 model carries a five-star safety rating and moderate repair costs on a moderate MSRP — but it also ranks #7 on the national theft list, a longtime Honda pattern tied to how easily its parts move through the aftermarket. Liability-only pays nothing if it disappears from a Publix parking lot or gets swallowed by storm surge during hurricane season, both live risks in a state where catastrophic weather drives premiums as hard as courtroom exposure does. You're self-insuring a nationally-targeted theft car in the state most defined by hurricane losses — a pairing this tier does nothing to address.
The pricing makes the case for this tier on its own. At $85-$142 a month — just $15-$25 above Florida's $70-$117 minimum band — it buys meaningfully higher liability limits for the price of a couple of tanks of gas. Full coverage runs $203-$339, or $240-$400 with a low deductible, more than double, because that jump is what protects the Accord itself rather than just the people it might hit. For an owner who can absorb a repair bill or replace the car outright, the trade is defensible. For anyone in Florida's theft-exposed metros or hurricane belt, it's a bigger gamble than the modest savings suggest.
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 liability only the right tier for you?
- Owners with income or assets to protect, since Florida's no-fault threshold lets a serious-injury claim pierce PIP and become a personal lawsuit against the driver
- Drivers who've paid off the Accord and are deliberately trading away comprehensive and collision for savings, but still want real bodily injury and property-damage limits instead of the bare $10K/$10K state floor
- Anyone driving Florida's litigation-heavy metro corridors, where at-fault property-damage claims routinely exceed the state's $10K PDL minimum
- Anyone still financing or leasing the Accord — the lender requires full coverage, making this tier a non-option regardless of price
- Owners in theft-heavy Florida zip codes worried about the Accord's #7 national theft ranking — this tier pays nothing if it's stolen
- Budget-first drivers who just need to be street-legal and will take Florida's $70-$117 minimum instead of paying $15-$25 more for higher limits
$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 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 liability coverage
These are typical market add-ons, not Florida mandates and not priced in our rate model. Confirm each line on a quote.
- 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
01Does Florida actually require bodily injury liability coverage on my Accord?
No. Florida's only mandatory coverages are $10,000 PIP and $10,000 property damage liability — bodily injury isn't required by law. This liability-only tier is what actually adds it: 50/100 or 100/300 bodily injury limits plus $50K-$100K property damage, layered on top of the mandatory PIP/PDL floor most Florida policies never go beyond.
02Why does liability-only cost so little more than Florida's minimum policy?
Because both tiers already carry the same mandatory $10K PIP and $10K PDL — minimum just stops there. The extra $15-$25 a month buys real bodily injury limits and higher property-damage caps, which matters in a no-fault state where a serious-injury crash can pierce PIP and turn into a lawsuit against you personally.
03If my Accord gets stolen, does liability-only pay for it?
No. Liability-only carries zero comprehensive coverage, so nothing pays out for theft, vandalism, or flood damage. That gap matters more for this model than most — the Accord ranks #7 nationally for theft, so this tier leaves an above-average theft risk completely uncovered.
04Is liability-only workable for a financed or leased Accord?
Almost never — lenders and lessors require comprehensive and collision coverage for the life of the loan, regardless of what Florida law mandates. This tier only becomes a real option once the Accord is paid off and you're deciding for yourself whether to self-insure it against Florida's storm and theft risk.
05What extra do I get vs Florida minimum on a Accord?
Higher liability caps than 10/20/10 plus $10,000 PIP. You still do not have comprehensive or collision. The modeled price for that middle tier is $85 – $142; full coverage on the same 2024 Honda Accord is $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.
