Is full coverage worth it for a 2018 Honda Accord?
Full coverage makes sense for most 2018 Honda Accord owners. It costs about $2,271 per year for a clean-record 30-year-old driver. This beats the national average by $209. Liability-only runs just $525 yearly. But full coverage pays for your car's repairs after crashes, theft, or hail.
Your 2018 Accord holds solid value. Kelley Blue Book data shows clean examples worth $11,500 to $14,000 in Austin (ZIP 78705) as of 2026. A major wreck could total it. You'd lose $12,000 without collision and comprehensive. Full coverage replaces that minus your deductible.
Full vs. Liability Costs for 2018 Honda Accord
| Coverage Type | Annual Cost | Monthly Cost | Best For |
|---|---|---|---|
| Liability Only | $525 | $44 | Paid-off cars, low savings |
| Full Coverage | $2,271 | $189 | Financed cars, high driving miles |
Rates based on national averages for 30-year-old drivers with clean records (Source: Car and Driver Insurance Analysis, 2025). In Texas ZIP 78705, add 15-20% for urban traffic risks.
Austin drivers face high theft rates. 78705 sees frequent fender-benders from UT traffic. Full coverage saved Sidekick users an average $8,400 in repair claims last year, says the Sidekick Research Team based on 1,200 verified Accord owners.
"Drivers who skip full coverage regret it after one accident," says the Sidekick Research Team. They analyzed 2,500 Texas claims from 2025.
When Full Coverage Pays Off
- You have a loan: Lenders require it. Dropping coverage risks repossession.
- High repair bills: Accord parts cost $1,200+ for front-end damage (Source: RepairPal, 2026).
- Daily driver: 12,000+ miles/year? Risk jumps 25% per Insurance Information Institute data.
- Assets to protect: Covers lawsuits over $25,000 bodily injury.
Drop to liability if your Accord is paid off and worth under $5,000. But at $12,000 value, repairs eat savings fast.
Cut Full Coverage Costs Now
- Raise deductible to $1,000. Saves $400/year.
- Bundle with home insurance. Drops 15% via multi-policy discounts.
- Shop GEICO or State Farm. They quote $1,920-$2,300 for Accords (Source: Insuranceopedia, 2026 projections).
- Use Sidekick's tool. It compares rates for your 78705 ZIP and Accord VIN. Owners save 18% on average, or $410 yearly.
Check your Accord's value first. Input details into Sidekick for a custom score. It flags if full coverage fits your budget and risks. Update monthly with real owner data.
Full coverage protects what matters. For your 2018 Accord in Austin, it beats paying out of pocket.