Is It Cheaper to Insure a Toyota Camry or a Honda Accord?

Last Updated on February 5, 2026

You are comparing the costs of owning two of America’s most popular midsize sedans: the Toyota Camry and the Honda Accord.

So which one is cheaper to insure? In most national comparisons, the difference is small. Depending on the model year, trim, and where you live, either car can come out slightly cheaper. But you should not expect a dramatic “winner” the way you might when comparing a family sedan to a sports car or luxury vehicle.

• For most drivers, the Toyota Camry and Honda Accord cost about the same to insure, with only small differences in many nationwide comparisons.
• Trim level matters more than brand: a fully loaded Accord can cost more to insure than a base Camry (and vice versa).
• Both cars score well in major safety testing, which can help keep rates competitive compared to riskier vehicles.
• The best way to know which is cheaper for you is to quote the exact model year and trim with identical coverage and deductibles.

Quick Answer: Camry vs. Accord Insurance Costs

Across large rate studies, both cars usually land in the same “affordable midsize sedan” tier. Sometimes the Camry is a few dollars cheaper per month, and sometimes the Accord is.

Example of how close it can be: one widely cited 2025 national estimate lists the Camry at about $1,822 per year and the Accord at about $1,844 per year for full coverage (a difference of about $22 per year). Another national dataset puts the Accord at about $2,342 per year and the Camry at about $2,400 per year (about $58 per year apart). In other words: you are usually comparing “very close” prices, not hundreds of dollars.

Honda and Toyota Vehicles Typically Have Similar Insurance Prices

A decade ago, there was a prevailing myth that Honda vehicles were more expensive to insure than Toyota vehicles.

Today, that does not really hold true. Typically, Honda and Toyota vehicles cost approximately the same amount of money to insure: both Toyota and Honda cars are popular, parts are widely available, and repair shops are familiar with both brands. When you control for the vehicle’s value and trim, there is usually only a small difference between insurance prices on a Toyota and a Honda.

Where you will see meaningful gaps is when you compare trims that are not equivalent (for example, a base model versus a top trim with larger wheels, premium lighting, more sensors, and a higher MSRP).

You Will Usually Pay More to Insure the More Expensive Trim

As a general rule, a more expensive vehicle (or trim) costs more to insure because it is more expensive to replace and often more expensive to repair after a crash.

Right now, the starting MSRPs of the Camry and Accord are in the same ballpark. For example, the 2025 Camry starts around the high-$20,000 range, and the 2025 Accord starts in the high-$20,000 range as well. That means, all else equal, you should expect similar premiums for a base Camry versus a base Accord.

If you upgrade to a higher trim, add expensive options, or choose a powertrain that costs more to repair, your premium can rise. This is why “Camry vs. Accord” is not really one comparison: it is more like trim vs. trim (and sometimes engine vs. engine).

Also note: a few features can move the needle more than people expect, including large wheels/tires, advanced headlights, front sensors and cameras, and expensive driver-assist packages. None of that has anything to do with whether the badge says Honda or Toyota.

Safety Ratings Can Help Keep Both Cars Affordable to Insure

The Toyota Camry and Honda Accord are consistently strong performers in crash testing. Both models earn high marks with the Insurance Institute for Highway Safety (IIHS), and both are frequently listed among the safest midsize sedans.

For example, the IIHS gives the 2025 Toyota Camry “Good” ratings in key crashworthiness tests, and the 2025 Honda Accord also earns “Good” crashworthiness ratings. Vehicles with strong safety performance can be less costly for insurers over time because severe injury claims may be less likely or less expensive (though insurance pricing is never based on safety alone).

That said, if your goal is the lowest premium, do not assume “safe car = cheap insurance” automatically. Repair costs and vehicle value still matter a lot, especially as modern cars add more expensive technology in bumpers, windshields, and headlights.

Other Factors That Affect Camry vs. Accord Insurance Prices

• Your driver profile: age, driving record, credit-based insurance score (where allowed), and prior claims usually matter more than whether you drive a Camry or Accord.
• Your ZIP code: rates can vary dramatically by state and even by neighborhood.
• Annual mileage and usage: commuting and high mileage often cost more than occasional driving.
• Coverage and deductible choices: higher liability limits and lower deductibles cost more; cutting coverage can lower your premium but increases your risk.
• Trim level and options: more expensive wheels, headlights, sensors, and tech packages can increase repair costs and premiums.

How to Find the Cheaper One for You

If you are shopping between these two sedans, the best move is to run quotes for the exact vehicles you are considering (same model year, similar trim, and similar coverage). Insurers do not all price the Camry and Accord the same way, so one company might be cheaper for the Accord while another might be cheaper for the Camry.

1. Pick the exact model year and trim you want for each car (for example, “Camry SE” vs. “Accord SE,” not “Camry vs. Accord”).
2. Quote both with the same coverage limits and deductibles.
3. Ask each insurer about discounts (bundling, good driver, safety features, defensive driving, and usage-based programs).
4. If you want the simplest approach, compare multiple companies using our rate-shopping strategies (and keep your comparisons consistent).

FAQs on Camry vs. Accord Insurance

Conclusion

In most cases, it is essentially a tie: the Toyota Camry and Honda Accord are usually priced very similarly for insurance. If there is a difference, it is often driven by trim level, vehicle value, and repair costs more than “Honda vs. Toyota.”

If you want the best answer for your situation, run quotes for the exact Camry and Accord you are considering, then pick the better deal (and the better fit for your budget and driving needs).