2020 Honda Accord: Safety & Insurance Cost
The 2020 Honda Accord earned a 5-out-of-5-star overall safety rating from NHTSA and was named an IIHS Top Safety Pick — strong scores that can qualify it for a safety discount. It is, however, one of the more frequently stolen vehicles in the U.S., which can raise its comprehensive premium. Here's the full picture, every figure linked to its source.
This guide covers how safe the 2020 Honda Accord is, how often it's stolen, and what those facts mean for your car-insurance rate — every figure linked to its government or industry source.
How safe is the 2020 Honda Accord?
The 2020 Honda Accord is one of the safest midsize sedans of its year. The National Highway Traffic Safety Administration (NHTSA) awarded it a 5-out-of-5-star overall rating, with five stars in frontal crash, side crash, and rollover testing. The Insurance Institute for Highway Safety (IIHS) named the 2020 Accord a Top Safety Pick, rating it Good — the highest score — in the small-overlap front, moderate-overlap front, roof-strength, and head-restraint tests, and giving its vehicle-to-vehicle front crash prevention a Superior rating. The one caveat: on IIHS's tougher updated side-impact test, the Accord scored only Marginal, because the test dummy's head moved past the side curtain airbag. For insurance, strong occupant protection generally means lower injury-claim costs — one reason well-rated cars like the Accord often qualify for a safety discount.
Key data
| Factor | Filed value | Source |
|---|---|---|
| NHTSA overall safety rating (2020 Honda ACCORD 4 DR FWD) | 5 / 5 stars | National Highway Traffic Safety Administration (NHTSA) · Jul 2026 |
| Frontal crash rating (2020 Honda ACCORD 4 DR FWD) | 5 / 5 stars | National Highway Traffic Safety Administration (NHTSA) · Jul 2026 |
| Side crash rating (2020 Honda ACCORD 4 DR FWD) | 5 / 5 stars | National Highway Traffic Safety Administration (NHTSA) · Jul 2026 |
| Rollover resistance rating (2020 Honda ACCORD 4 DR FWD) | 5 / 5 stars | National Highway Traffic Safety Administration (NHTSA) · Jul 2026 |
| NHTSA complaints on record (2020 Honda ACCORD 4 DR FWD) | 340 | National Highway Traffic Safety Administration (NHTSA) · Jul 2026 |
| NHTSA recalls on record (2020 Honda ACCORD 4 DR FWD) | 5 | National Highway Traffic Safety Administration (NHTSA) · Jul 2026 |
| IIHS award (2020 model) (moderate overlap front: Good; updated side test: Marginal) | Top Safety Pick | Insurance Institute for Highway Safety (IIHS) · Jun 2026 |
| U.S. average annual auto premium (average expenditure, 2022 (NAIC-sourced)) | $1,126.79 | Insurance Information Institute (III) · Jun 2026 |
| Honda Accord U.S. theft rank (2023 model-level theft data) | #6 most-stolen (20,895 thefts) | Insurance Information Institute (III) · Jun 2026 |
| U.S. combined average premium per vehicle (2023 Auto Insurance Database) | $1,438 | National Association of Insurance Commissioners (NAIC) · Jun 2026 |
| Maryland minimum liability limits (state minimum incl. matching uninsured-motorist coverage) | 30/60/15 + $2,500 PIP | Maryland MVA / Maryland Insurance Administration · Jun 2026 |
| NHTSA overall safety rating (2020 Accord 4-door) (5 stars in frontal-crash, side-crash, and rollover testing) | 5 out of 5 stars | National Highway Traffic Safety Administration (NHTSA) · Jun 2026 |
| IIHS updated side-impact test (2020 Accord) (head moved past the side curtain airbag; all other IIHS crashworthiness tests rated Good) | Marginal | Insurance Institute for Highway Safety (IIHS) · Jun 2026 |
Is the Honda Accord a theft target?
Yes — and it matters for your comprehensive premium. The Honda Accord is consistently one of the most-stolen vehicles in the United States. Per the Insurance Information Institute, the Accord was the 6th most-stolen vehicle in 2023, with 20,895 reported thefts (the Honda Civic ranked 7th). High theft frequency pushes up the comprehensive portion of a policy, since comprehensive is the coverage that pays for theft. If you carry full coverage on an Accord, an anti-theft device or a comprehensive discount can help offset that — and parking in a garage measurably lowers the risk insurers price for.
How much does it cost to insure a 2020 Honda Accord?
There's no single price — your rate depends on your ZIP code, driving record, coverage level, and carrier. But national benchmarks set the context. The Insurance Information Institute puts the average U.S. auto-insurance expenditure at $1,126.79 (2022), while the NAIC's broader measure — combined average premium per insured vehicle — was $1,438 in 2023. The Accord tends to land near or slightly below average to insure: it's a mainstream sedan with widely available, affordable parts and strong safety scores, both of which pull premiums down — partially offset by its theft frequency, which lifts the comprehensive piece. Trim and body style matter too: a base or hybrid Accord generally costs less to insure than a turbocharged Sport trim, because higher-performance variants tend to carry higher collision-loss costs and pricier parts. Comparing named-carrier quotes for your exact profile is the only way to see your real number.
Minimum coverage for your Accord (Maryland example)
Every state sets a minimum. In Maryland, the law requires at least $30,000 bodily injury per person, $60,000 per accident, and $15,000 property damage (30/60/15), plus matching uninsured-motorist coverage and $2,500 in Personal Injury Protection (PIP), according to the Maryland Motor Vehicle Administration. Minimum limits keep you legal, but on a vehicle worth what an Accord is, most drivers carry higher liability limits and add collision and comprehensive — especially given the Accord's theft exposure.
How your Accord's safety and theft data affect your rate
Insurers price a vehicle on how well it protects people and how likely it is to generate a claim. The Accord's 5-star NHTSA rating and IIHS Top Safety Pick status point to lower injury-claim costs and can qualify you for a safety discount; its standard driver-assistance features (forward-collision warning, automatic emergency braking, and lane-departure warning on most trims) reinforce that. Working the other way, its high theft frequency raises the comprehensive piece. Net, the Accord is typically an average-to-below-average car to insure — but your record, location, and coverage choices move the number far more than the vehicle alone.
Ways to lower what you pay to insure a 2020 Accord
Because the vehicle itself is only part of the price, the biggest savings come from how you structure and shop the policy. A few levers that apply directly to an Accord:
- Claim the safety credit. Make sure your carrier has the Accord's driver-assistance features and Top Safety Pick status on file — some insurers apply a vehicle-safety or anti-theft discount only when it's flagged.
- Address the theft exposure. Given the Accord's theft frequency, garage parking and a verified anti-theft device can reduce the comprehensive portion specifically.
- Right-size collision and comprehensive. On an older Accord, periodically weigh those coverages against the car's actual cash value; raising the deductible lowers the premium if you can absorb it.
- Compare named-carrier quotes. The same Accord, same driver, can vary widely between insurers — the single most reliable way to lower the bill is to compare several carriers for your exact profile and ZIP code.
Frequently asked questions
What is the NHTSA safety rating for the 2020 Honda Accord?
The 2020 Honda Accord received a 5-out-of-5-star overall rating from NHTSA; see the per-test ratings above, each linked to the NHTSA source.
Is the 2020 Honda Accord expensive to insure?
Generally no — it's typically average to slightly below average. Its 5-star NHTSA rating, IIHS Top Safety Pick status, and affordable parts pull premiums down, partially offset by the Accord's above-average theft frequency. The U.S. average auto expenditure was about $1,126.79 in 2022 (III); the Accord tends to land near or below that, depending on your profile.
Is the Honda Accord a commonly stolen car?
Yes. The Insurance Information Institute ranked the Accord the 6th most-stolen U.S. vehicle in 2023, with 20,895 thefts. That raises the comprehensive portion of a policy, so an anti-theft device, comprehensive discount, or garage parking can help offset it.
What safety features lower insurance on the 2020 Accord?
Standard driver-assistance features — forward-collision warning, automatic emergency braking, and lane-departure warning on most trims — plus the Accord's 5-star NHTSA rating and IIHS Top Safety Pick status can qualify you for a safety discount and lower injury-claim costs.
Does the Accord's 'Marginal' updated side-crash score affect my insurance?
Not directly. Insurers weigh overall loss history more than a single test, and the Accord still earned IIHS Top Safety Pick. But the updated side test (Marginal, due to head protection) is a useful safety data point when comparing the Accord to rivals.
What's the minimum insurance I need for an Accord in Maryland?
Maryland requires at least 30/60/15 liability ($30,000 bodily injury per person, $60,000 per accident, $15,000 property damage), matching uninsured-motorist coverage, and $2,500 in PIP, per the Maryland MVA. Most Accord owners carry more than the minimum.
Is the Honda Accord cheaper to insure than the average car?
Often slightly, on the liability and collision side, thanks to its safety scores and cheap, available parts. The NAIC's 2023 combined average premium was $1,438 per vehicle; the Accord usually sits near or a bit under typical for a midsize sedan — though theft exposure can lift the comprehensive piece.
Does a higher safety rating lower my car insurance?
It can. Many insurers offer a safety or anti-theft discount for well-rated vehicles, and safer cars tend to have lower injury-claim costs — both can reduce your premium. The exact effect varies by carrier and state.
Sources cited
- National Highway Traffic Safety Administration (NHTSA) — captured Jul 2026
- Insurance Institute for Highway Safety (IIHS) — captured Jun 2026
- Insurance Information Institute (III) — captured Jun 2026
- National Association of Insurance Commissioners (NAIC) — captured Jun 2026
- Maryland MVA / Maryland Insurance Administration — captured Jun 2026
- National Highway Traffic Safety Administration (NHTSA) — captured Jun 2026
How we research this
Every figure on this page comes from a primary government or industry source — NHTSA for crash ratings, IIHS for crashworthiness, the III and NAIC for premium benchmarks, and state regulators for coverage minimums — each labeled with its source and the date we captured it. We do not cite other quote or comparison sites, and we never estimate a number we can't source.
