Honda Accord Insurance in Louisiana
Rates from $85 – $142/mo minimum coverage, $263 – $439/mo full coverage. Compare top LA carriers below.
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Updated October 2026 · Source: Louisiana DOI + IQ rate model
Average monthly premium — 2024 Honda Accord, Louisiana
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Honda Accord drivers in Louisiana
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Honda Accord insurance costs what it does in Louisiana
Lowers liability + medical-payments premiums by ~2–5% vs an equivalent 3-star vehicle.
Raises comprehensive premium ~12% vs comparable vehicles not on the list. Anti-theft discounts can offset most of it.
Parts cost and claim severity sit near the national average.
Louisiana ranks #1 most-expensive auto insurance in the US year after year. The combination of plaintiff-friendly courts, high BI claim severity, and Gulf hurricane exposure produces premiums roughly double the national average. New Orleans premiums frequently exceed $400/mo for full coverage.
Frequently asked questions
01How much is Honda Accord insurance in Louisiana?
Louisiana drivers of a 2024 Honda Accord pay about $263 – $439 per month for full coverage, or roughly $85 – $142 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Accord?
Yes. If your Accord has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Louisiana law itself only requires the state liability minimums (15/30/25), but the lender's contract overrides that.
03What's the cheapest carrier for a Accord in Louisiana?
Cheapest varies by driver profile, but in Louisiana the major carriers most often quoting the lowest premiums for a Accord are GEICO, Progressive, and State Farm. Regional carriers (Louisiana Farm Bureau and Safeway) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Does the Accord's theft rate raise my comprehensive premium?
Yes, modestly. The Honda Accord ranks #7 on the NICB Hot Wheels most-stolen list, which adds roughly 5-12% to comprehensive premiums vs an equivalent vehicle not on the list. Anti-theft devices (factory immobilizer, kill switch, tracking) can offset most of the surcharge — ask your agent which discounts your LA carrier offers.
05Does Louisiana require SR-22 after a DUI for a Accord?
After a DUI, Louisiana requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Accord typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.