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 CoverageYou’re viewing this tier | 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 owners | 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 minimum coverage includes
- Bodily Injury Liability at Michigan's state-mandated minimum
- Property Damage Liability at Michigan's state-mandated minimum
- Personal Injury Protection (PIP) — mandatory in Michigan even at this tier; selectable at $50k/$250k/$500k/unlimited under 2019's PA 21 reform
- No comprehensive or collision — the Accord itself is uncovered at this tier
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 is one of a handful of no-fault states — Florida and New York among them — that fold Personal Injury Protection into the cheapest legal policy a driver can buy. What sets Michigan apart is the dial: 2019's PA 21 reform replaced the state's old unlimited-lifetime PIP mandate with a menu — $50,000, $250,000, $500,000, or unlimited — and that menu is baked into this $77–$129/month floor. The reform cut average premiums roughly 20%, yet seven years later Michigan still ranks 48th nationally on cost, still among the three most expensive states in the country.
What that $77–$129 actually buys: Bodily Injury and Property Damage Liability set at Michigan's state floor, plus PIP for your own medical bills regardless of fault. Pick the $50,000 PIP tier and a Michigan driver lands at the low end of this band; step up to $250,000, $500,000, or unlimited, and the same "minimum" liability policy climbs toward $129. Either selection buys people-and-medical-bills coverage only — nothing here touches the Accord itself. That's the trade every Michigan no-fault minimum policy makes, whichever PIP tier you pick.
That gap matters more for this car than for most. The Accord ranks #7 nationally for theft, well out of proportion to its five-star safety rating and moderate repair costs, and minimum coverage carries zero comprehensive protection. Nothing in this tier pays out if the car disappears from a driveway or a parking structure. An Accord owner at this level isn't insuring the vehicle at all — they're self-insuring its theft exposure entirely, by choice or by budget.
The math against upgrading is tight. Liability-tier coverage — higher BI/PD limits, same PIP requirement — runs $100–$167, about $23–$38 more a month than minimum. Full coverage with standard deductibles jumps to $239–$398, and low-deductible full coverage runs $282–$469, three to four times the minimum band and the first tier that actually covers the car. Detroit-metro drivers should treat the low end of any of these bands skeptically: Michigan's own data puts city-area premiums 50–80% above the state average.
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?
- Michigan Accord owners with a paid-off car worth less than a year of premiums, who've decided theft and collision risk is one they'll absorb themselves
- Drivers deliberately picking PA 21's $50,000 PIP floor because they carry solid employer health coverage and don't need Michigan's insurer-paid medical benefit stacked on top
- Budget-strapped drivers outside the Detroit metro, where this tier prices near the $77 end instead of getting hit by the 50–80% Detroit-area premium surcharge
- Anyone financing or leasing the Accord — lenders require comprehensive and collision, which this tier doesn't include at any price
- Detroit-area drivers, where minimum-tier premiums run well above the state average and the liability-tier upgrade costs relatively little more per month
- Owners who've priced out replacing a stolen Accord — the model's #7 national theft rank makes comprehensive a real consideration for this specific car, not a footnote
$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 coverage | $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 minimum coverage
These are typical market add-ons, not Michigan 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 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
01Does Michigan's minimum coverage actually include PIP, or is that separate?
It's included by law, not sold separately. Under PA 21 (2019), you select a PIP level — $50,000, $250,000, $500,000, or unlimited — but you must carry one of them; you can't waive PIP outright under normal circumstances. The $77 low end of this band assumes the $50k PIP tier. Choosing a higher PIP limit is what moves the same 'minimum' liability policy up toward $129.
02If my Accord gets stolen, does minimum coverage pay anything toward it?
No. Minimum coverage in Michigan is Bodily Injury and Property Damage liability plus PIP for injuries — none of it is comprehensive coverage, which is the only piece that pays out for theft. Given the Accord's #7 national theft ranking, that's a real gap: a stolen Accord under this tier is a total loss with no payout toward replacing it.
03Why is Michigan still one of the most expensive states even at the minimum tier?
The PIP mandate, mostly. Michigan is a no-fault state, so your own insurer pays your medical bills after a crash regardless of who caused it, and that cost is built into every policy, minimum tier included. Before 2019, Michigan required unlimited lifetime PIP for everyone — the reason it was the most expensive state in the country for years. PA 21 let drivers choose lower PIP limits instead, and average premiums fell roughly 20%. Seven years on, Michigan still ranks 48th nationally on cost — third-most-expensive in the country.
04Is Michigan the only state that bakes PIP into the minimum policy?
No — Florida and New York are among the other no-fault states that require it too. Michigan's specific difference is the PA 21 tier system: since 2019, you pick your own PIP limit, from $50,000 up to unlimited, rather than being handed one default. That choice is also why this state's minimum band spans as wide as $77 to $129 — a lot of that range is just which PIP tier you selected, not how well you shopped around.
05Does Michigan's 50/100/10 plus PIP (choice of $50k/$250k/$500k/unlimited) 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 $239 – $398/mo on this page.
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.
