2019 Honda Accord Ownership Costs: What Real Owners Pay

The average annual cost to own a 2019 Honda Accord is $6,570, based on initial owner data from the Sidekick platform. Depreciation and insurance make up nearly 53% of yearly expenses. If you're considering this sedan or already own one, understanding these costs helps you budget smarter and find real savings opportunities.

The 2019 Accord represents a redesigned generation that swapped out larger naturally-aspirated engines for smaller turbocharged units. This shift improved fuel efficiency while maintaining solid performance. The base model uses a 1.5-liter turbocharged four-cylinder engine producing 192 horsepower. A higher-output 2.0-liter turbocharged engine with 252 horsepower sits at the top of the lineup.

Sidekick Score Analysis

This 2019 Accord earned a Sidekick Score of 80, based on initial owner data. The Sidekick Score measures overall ownership value by analyzing depreciation, reliability, fuel costs, and maintenance expenses relative to market prices. A score of 80 puts this vehicle in a solid range for compact sedans, indicating reasonable long-term ownership value.

Because this analysis is based on initial owner data, treat it as a strong starting point rather than a comprehensive evaluation. As more owners report their real-world expenses, this score becomes increasingly reliable.

Annual Ownership Cost Breakdown

Here's how the $6,570 annual cost breaks down by category:

Depreciation ($1,480/year) is the single largest expense. The Accord loses value every year, though selling before 90,000 miles can significantly reduce this hit. Insurance ($2,050/year) ranks second, making it worth shopping around annually for better rates. Fuel costs stay reasonable thanks to the turbocharged engine's 31 MPG combined rating.

Maintenance ($1,050/year) remains moderate for a sedan in this age range. Honda's Maintenance Minder system alerts you when service is due, helping you avoid unnecessary repairs. Financing and parking contribute smaller amounts but still add up over time.

What This Costs Per Month

Breaking down the annual cost into monthly payments:

• Total monthly cost: $548
• Monthly fuel: $111
• Monthly insurance: $171
• Monthly maintenance: $88

These figures assume you own the vehicle outright or have typical financing terms. Owners with paid-off Accords will see lower monthly costs since financing drops to zero.

Engine Performance & Fuel Economy

The base 1.5-liter turbocharged engine produces 192 horsepower and 192 lb-ft of torque. It pairs with a continuously variable transmission (CVT) that helps achieve the 31 MPG combined rating. The EPA rates fuel economy at approximately 26 MPG city and 35 MPG highway.

The optional 2.0-liter turbocharged engine bumps output to 252 horsepower for drivers wanting more acceleration. This engine can pair with either a six-speed manual transmission or a 10-speed automatic. Real-world testing shows the 2.0T delivering exceptional highway efficiency, sometimes matching or exceeding EPA estimates.

Key Features & Safety

The 2019 Accord comes standard with:

• Collision Mitigation Braking System with forward collision warning
• Lane Keeping Assist and lane departure warning
• Adaptive Cruise Control with low-speed follow capability
• Rearview camera with dynamic guidelines
• Road Departure Mitigation System
• Dual-zone climate control
• Eight-inch touchscreen Display Audio with smartphone integration
• 16 standard airbags including front, side, and curtain coverage
• Vehicle Stability Assist with traction control
• Four-wheel anti-lock brakes with electronic brake distribution

These safety and comfort features come standard across all trims, not just higher-priced models.

Savings Opportunities

Based on owner data, here are the highest-impact ways to reduce ownership costs:

1. Sell Before 90,000 Miles (Save $1,500/year)

Depreciation accelerates sharply after 90,000 miles on this generation. Selling or trading in before hitting this threshold protects your investment significantly. If you're tracking toward high mileage, consider selling one year earlier than planned.

2. Maintain Complete Service Records (Save $800/year)

Honda vehicles with documented maintenance history retain value much better than those without. This is not just a negotiation tactic: buyers and dealers pay measurably more for cars with full service records. Keep every receipt and document all work, even routine oil changes.

3. Compare Insurance Quotes Annually (Save $430/year)

Many owners stick with their current insurer out of inertia. Insurance rates change constantly based on your driving record, home location, and vehicle claims data. Getting three to five quotes each renewal year often reveals $400+ savings. Some owners save over $600 by switching to a different carrier.

4. Follow Maintenance Minder Strictly (Save $300/year)

Honda's Maintenance Minder system alerts you when service is actually needed rather than on a fixed schedule. Following its recommendations prevents unnecessary maintenance and catches problems early. Overdue maintenance leads to bigger repairs; preventive care costs far less.

5. Shop Insurance at Renewal (Save $246/year)

Even without switching carriers, requesting a fresh quote at renewal often unlocks new customer discounts or promotional rates you've aged out of. Loyalty discounts rarely match new customer offers.

Who Should Buy the 2019 Honda Accord

This sedan works best for:

• Commuters wanting reliable fuel economy without hybrid complexity
• Buyers prioritizing standard safety features and technology
• Those planning to own for five to seven years before selling
• Drivers who value simplicity: traditional gas engine, easy maintenance
• Families wanting a spacious interior with 16.7 cubic feet of trunk space

The Accord struggles for:

• Buyers seeking maximum fuel economy (hybrids offer 50+ MPG)
• Those planning to keep the vehicle past 120,000 miles (maintenance rises steeply)
• Anyone wanting the sportiest driving experience (the 2.0T is fun but not track-focused)

Market Context

The 2019 Accord typically sells for $18,500 in the current market, based on mileage and condition. This puts it in the middle of the used compact sedan market. Similar vehicles from Toyota (Camry) and Nissan (Altima) command similar prices.

The Accord's strong resale value and modest operating costs make it one of the better values in the segment. Insurance costs are reasonable because the sedan attracts responsible owners and claims data shows good reliability.

Bottom Line

Owning a 2019 Honda Accord costs about $548 per month when you factor in all expenses. The biggest opportunities to reduce costs involve managing depreciation through timing your sale and maintaining complete service records. Getting personalized ownership data for your specific situation helps you understand whether this vehicle fits your budget long-term.

Ready to see your personalized Sidekick Score? Input your vehicle details to get a custom analysis based on your actual usage patterns, local insurance rates, and ownership timeline.