How much is Honda Accord insurance in Michigan?
For the driver profile in our methodology, a 2024 Honda Accord costs between $77/mo at the state minimum and $469/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 | $77 – $129 | $924 – $1,548 |
| Liability Only | Higher limits; still nothing for your car | $100 – $167 | $1,200 – $2,004 |
| Full CoverageMost ownersYou’re viewing this tier | Adds damage to your Accord, theft, glass | $239 – $398 | $2,868 – $4,776 |
| Full Coverage + Low Deductible | Same, with less out of pocket per claim | $282 – $469 | $3,384 – $5,628 |
What full coverage includes
- Liability at recommended limits, shaped by whichever Michigan PIP tier you select ($50k-unlimited under PA 21)
- Comprehensive: theft, hail, vandalism, fire, and animal strikes — especially relevant given the Accord's #7 national theft ranking
- Collision on a standard $500 deductible
- Uninsured/underinsured motorist protection
What Michigan requires to drive a Accord
Michigan lists 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) 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
- 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited)
- Fault system
- Michigan 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 | $239 – $398 | $100 – $167 | — |
| 2023 | $227 – $378 | $99 – $165 | −5% |
| 2022 | $217 – $362 | $98 – $164 | −9% |
| 2021 | $208 – $346 | $96 – $160 | −13% |
| 2020 | $198 – $330 | $94 – $157 | −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 Michigan. Same coverage, same driver profile.
| Vehicle | Full coverage / mo | vs. Accord | Why it differs |
|---|---|---|---|
| Honda Accord | $239 – $398 | — | Segment-average claim severity |
| Toyota Camry | $213 – $354 | −11% | Camry's lower claim severity and cheaper repairs edge it under the Accord. |
| Nissan Altima | $224 – $373 | −6% | Altima runs higher claim frequency in urban rating territories. |
| Hyundai Sonata | $230 – $384 | −3% | Sonata's lower sticker is offset by its mid-pack theft ranking. |
Accord insurance cost by Michigan city
Detroit drivers pay about 30% above the state average while Grand Rapids runs 6% below. City pricing follows claim frequency — dense-metro traffic and repair costs carry the surcharge.
| City | Full coverage / mo | vs. MI average |
|---|---|---|
| Detroit | $311 – $517 | +30% |
| Warren | $268 – $446 | +12% |
| Flint | $263 – $438 | +10% |
| Ann Arbor | $234 – $390 | −2% |
| Grand Rapids | $225 – $374 | −6% |
Why Accord insurance costs what it costs
Michigan's reputation as one of the priciest states for car insurance isn't hype: it ranks 48th nationally for affordability, a legacy of the state's old unlimited lifetime PIP mandate. The 2019 no-fault reform (PA 21) gave drivers a menu of PIP limits — $50,000, $250,000, $500,000, or unlimited — and premiums have eased roughly 20% since, but Michigan still sits in the top three most expensive states in the country. That baseline cost is baked into every tier here, including full coverage, before comprehensive or collision even enter the picture.
Layer the Accord on top and the picture sharpens. This isn't a high-value target by MSRP — it sits in the mid-tier band, and its five-star safety rating and moderate repair costs keep collision claims from spiraling — but it ranks seventh nationally for theft. That's the detail that makes comprehensive, not just liability, load-bearing in this policy. A full-coverage Accord owner in Michigan is effectively paying for two distinct risks stacked on each other: the state's no-fault liability overhead, and a genuinely elevated theft profile that only comprehensive addresses.
The numbers make the case: full coverage on this Accord runs $239–$398 a month — roughly triple the $77–$129 state-minimum band and well clear of the $100–$167 liability-only range. That gap is comprehensive and collision earning their keep against a theft ranking that liability alone does nothing about. Trade the standard $500 deductible for a lower one and the range climbs to $282–$469. Michigan already hands you one lever on the liability side — your PA 21 PIP tier — so the comp/collision deductible is the other real decision left on the table before you accept a quote.
Full coverage here means Michigan's standard bundle: liability at recommended limits (now shaped by whichever PIP tier you chose under PA 21), comprehensive covering theft, hail, vandalism, fire, and animal strikes, collision on a standard $500 deductible, and uninsured/underinsured motorist protection. Where you garage the car matters almost as much as what you buy — Detroit-metro ZIP codes routinely price 50–80% above the statewide average, so an Accord parked in Detroit and one in a small west-Michigan town can land in very different halves of that $239–$398 band.
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 the right tier for you?
- Anyone financing or leasing the Accord — lenders mandate comprehensive and collision, which Michigan's no-fault liability floor alone doesn't satisfy.
- Owners who garage or commute through Detroit-metro ZIPs, where rates already run 50-80% above the state average before theft risk is even factored in.
- Anyone specifically worried about theft — the Accord's number-seven national ranking means comprehensive is the coverage carrying real weight here, not liability.
- Owners of an older, paid-off Accord well past the loan — once resale value has dropped, paying full-coverage rates (roughly 3x the minimum band) to insure a moderate-repair-tier sedan stops penciling out.
- Budget-conscious drivers who've already chosen Michigan's $50k PIP floor — stacking full comp/collision on top still lands them near $239/mo, so many step down to liability-only ($100-$167) instead.
- Owners who garage the car somewhere local theft rates run low despite the model's national number-seven ranking — local risk can undercut the national stat driving comprehensive pricing.
$500 vs $250 deductible on a Accord
On a Accord this model prices a $250 deductible at $43–$71/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 coverageYou’re viewing this tier | $500 | $239 – $398 | $2,868–$4,776 | Default first-party deductible in this model |
| Low-deductible full coverage | $250 | $282 – $469 | $3,384–$5,628 | Priced at 1.18× the $500 band in rates.ts |
Add-ons that are not automatic on full coverage
These are typical market add-ons, not Michigan 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 MI 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 Michigan
These are carriers we have real logos for and that commonly quote Michigan. 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
State FarmBundling + agents
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 ~$25–$48/mo
- Shop at least three carriers. Rates for the identical Accord profile differ by 2x or more between carriers in Michigan.Saves up to $1,000+/yr
- Right-size your PIP. Michigan 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 Michigan 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 Michigan: FAQ
01Why does full coverage on an Accord cost so much more in Michigan than in other states?
Because Michigan's no-fault system requires personal injury protection (PIP) on every policy, and even after the 2019 reform gave drivers a choice of PIP limits ($50,000 up to unlimited), the state still ranks 48th nationally for affordability. That cost sits underneath your liability coverage before comprehensive and collision are even added, which is why the full-coverage band here ($239-$398) runs well above what a similarly equipped Accord would cost in a typical at-fault state.
02Is comprehensive coverage really necessary for a Honda Accord, or can I skip it?
For this specific car, skipping it is riskier than average — the Accord ranks seventh nationally for theft, so comprehensive (which covers theft, plus hail, vandalism, fire, and animal strikes) is protecting against a real, elevated exposure rather than a hypothetical one. If you're financing the car, your lender will require it regardless.
03Which Michigan PIP tier should I pick to keep my full-coverage premium reasonable?
PA 21 lets you choose $50,000, $250,000, $500,000, or unlimited PIP, and that choice sits underneath everything else on the policy — it's baked into your liability premium before comprehensive and collision are layered on. Picking a lower tier, if you qualify for it through other health coverage, is a genuine way to move toward the bottom of the $239-$398 full-coverage band. Keeping the standard $500 deductible rather than dropping it (which pushes the band to $282-$469) is the other place to hold the line.
04Does my deductible choice make much difference on this policy?
Yes — moving from the standard $500 deductible to a lower one pushes this same full-coverage policy from $239-$398 up to $282-$469 a month. Given the Accord's theft exposure is already elevated, some Michigan owners take the lower deductible anyway to cap their out-of-pocket cost the day a comprehensive claim actually gets filed.
05Is full coverage required on a financed Accord in Michigan?
Typically yes, by contract — not by Michigan statute. The state floor is 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited). A lender can force-place a policy if you drop comprehensive or collision. This page models the $500-deductible stack at $239 – $398.
06What does Michigan actually require to drive a Accord?
Michigan lists 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) as the liability floor. Full coverage is a market/lender product on top of that, modeled here at $239 – $398 for a 2024 Honda Accord.
