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 CoverageYou’re viewing this tier | 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 Deductible | Same, with less out of pocket per claim | $240 – $400 | $2,880 – $4,800 |
What minimum coverage includes
- Bodily Injury Liability at Florida's state-mandated minimum limits
- Property Damage Liability at Florida's state-mandated minimum limits
- $10,000 Personal Injury Protection (PIP), mandatory under Florida's no-fault law
- No comprehensive or collision — theft, storm damage, and at-fault repairs to the Accord itself are not covered
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 let anyone drive on a bare liability policy — the state's no-fault law bolts on $10,000 of Personal Injury Protection before you've covered a single dollar of someone else's bumper. That PIP mandate, stacked with hurricane catastrophic exposure and one of the country's heaviest litigation climates, is why Florida sits 49th out of 50 for affordability. Even the stripped-down tier isn't cheap: a 2024 Accord's minimum policy runs $70–$117 a month, tracking close to the state's own $91 minimum-coverage average. HB 837's 2023 reforms are trimming the litigation-driven premium load, but the state hasn't caught down to national norms yet.
Here's what makes this exact pairing worth pausing on: the Honda Accord ranks 7th nationally on the most-frequently-stolen list, and minimum coverage in Florida — Bodily Injury and Property Damage liability plus the mandatory PIP — carries zero comprehensive protection. Nothing in this tier pays out if the car is gone. The Accord's five-star safety rating and moderate repair costs matter for how a crash claim resolves, but they're irrelevant to a parking-lot theft — and with this model sitting inside the national top ten for theft, that's not a hypothetical to wave off.
Stack the tiers and the gap tells the real story: minimum runs $70–$117, liability-only climbs to $85–$142 for higher injury and property limits but still insures nobody's car, and full coverage jumps to $203–$339 (or $240–$400 with a low deductible) specifically because that's the first tier that adds comprehensive and collision. Minimum coverage on this Accord isn't a discount on the same protection — it's a different bet entirely: you're satisfying Florida's no-fault floor and self-insuring the vehicle's full replacement value against a theft risk that puts this car in the nation's top ten most-stolen vehicles.
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 minimum coverage the right tier for you?
- Drivers with a paid-off Accord who've deliberately decided to self-insure the car's value and just need Florida's PIP-plus-liability floor to stay road-legal
- Budget-constrained Florida drivers who need to hit the $70–$117 legal minimum now and can't stretch to the $203+ full-coverage band this month
- Owners of a second or rarely-driven Accord, garaged most of the time, who accept the theft exposure because the car isn't sitting in lots often enough to justify paying for comprehensive
- Anyone still financing or leasing the Accord — Florida lenders require comprehensive and collision on the loan, so minimum-only isn't contractually available regardless of price
- Drivers regularly parking in Florida's higher-theft metro corridors, where the Accord's top-ten national theft ranking turns a stolen-car scenario from unlikely into a real line item
- Owners who'd need to replace the car immediately after a loss — with no comprehensive claim, a stolen or storm-damaged Accord means paying full replacement cost out of pocket in a state that also carries real hurricane exposure
$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 minimum 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's mandatory $10,000 PIP actually help me, or is it just a box to check?
It's real coverage, not a formality — PIP pays your own medical bills and lost wages after a crash regardless of who caused it, up to $10,000, before any liability claim comes into play. That's why Florida's 'minimum' tier at $70–$117/month isn't as bare as minimum coverage in an at-fault state; you're getting no-fault medical protection baked in, just none of it applies to the Accord's body panels.
02If my Accord gets stolen, does this policy pay me anything toward a replacement?
No. Minimum coverage in Florida is Bodily Injury and Property Damage liability plus PIP — there's no comprehensive claim to file. Given the Accord's number-seven ranking on the national most-stolen list, that's the single biggest gap in this tier for this specific car, not a hypothetical one.
03Why does Florida minimum coverage cost more than minimum coverage in most other states?
Three things stack on top of each other: the mandatory $10,000 no-fault PIP requirement, a litigation rate among the highest in the country, and hurricane-driven catastrophic loss exposure that insurers price into every policy statewide — together they push Florida to 49th out of 50 for affordability. HB 837's 2023 legal reforms are starting to bend that curve, but minimum-tier pricing here still runs meaningfully higher than in cheaper, at-fault states that don't carry a PIP mandate.
04Is it a bad idea to run minimum coverage on a car this often stolen?
It depends entirely on whether you could absorb the Accord's replacement cost out of pocket. This is a mid-tier-MSRP vehicle, not an economy car with negligible resale value, so a theft with no comprehensive payout is a real financial hit, not a rounding error. If that number would hurt, the $203–$339 full-coverage band is the tier actually built to answer this car's theft profile — minimum and liability-only both skip it entirely.
05Does Florida's 10/20/10 plus $10,000 PIP minimum pay to fix my Accord?
No. That package is liability for other people. A damaged 2024 Honda Accord is only paid for if you buy collision (crash) or comprehensive (non-crash). Those lines start at the full-coverage tier, which models at $203 – $339/mo on this page.
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.
