Honda Accord Insurance in Michigan
Rates from $77 – $129/mo minimum coverage, $239 – $398/mo full coverage. Compare top MI carriers below.
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Updated June 2026 · Source: Michigan DOI + IQ rate model
Average monthly premium — 2024 Honda Accord, Michigan
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 Michigan
"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 Michigan
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.
Michigan was the most expensive auto insurance state in the US for years due to the unlimited lifetime PIP requirement. 2019 reform (PA 21) created PIP coverage choices ($50k, $250k, $500k, or unlimited) that have moved average premiums down ~20%, but Michigan is still in the top 3 nationally. Detroit ZIPs frequently see premiums 50-80% above the state average.
Frequently asked questions
01How much is Honda Accord insurance in Michigan?
Michigan drivers of a 2024 Honda Accord pay about $239 – $398 per month for full coverage, or roughly $77 – $129 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. Michigan law itself only requires the state liability minimums (50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited)), but the lender's contract overrides that.
03What's the cheapest carrier for a Accord in Michigan?
Cheapest varies by driver profile, but in Michigan the major carriers most often quoting the lowest premiums for a Accord are GEICO, Progressive, and State Farm. Regional carriers (Auto-Owners, Pioneer State Mutual) 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 MI carrier offers.
05Does Michigan require SR-22 after a DUI for a Accord?
After a DUI, Michigan 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.