Honda Accord Crosstour Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Mar 31, 2024
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Estimated auto insurance rates for a Honda Accord Crosstour are $1,262 annually for full coverage insurance. Comprehensive insurance costs approximately $186, collision insurance costs $284, and liability insurance is estimated at $592. Liability-only coverage costs approximately $652 a year, and high-risk coverage costs $2,726 or more. Teens pay the most at up to $5,124 a year.
Average premium for full coverage: $1,262
Premium estimates by type of coverage:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Accord Crosstour models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Honda Accord Crosstour range from as cheap as $652 for minimum levels of liability insurance to the much higher price of $2,726 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance prices.
These rate differences illustrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below illustrates average Honda Accord Crosstour insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $763
- Choosing higher $1,000 deductibles can save $106 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,262
- Selecting pricier low deductibles for comp and collision coverage costs an additional $206 a year
- High-risk insureds with serious driving violations could pay around $2,726
- An auto insurance policy with full coverage for a teen driver for full coverage can cost $5,124 each year
Insurance prices for a Honda Accord Crosstour also have a wide range based on the model of your Accord Crosstour, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Honda Accord Crosstour insurance for high-risk drivers ranges anywhere from 41% to 132% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $320 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $533 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Honda Accord Crosstour insurance rates. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,700 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,138 | -$124 | -9.8% |
| Alaska | $968 | -$294 | -23.3% |
| Arizona | $1,046 | -$216 | -17.1% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,438 | $176 | 13.9% |
| Colorado | $1,202 | -$60 | -4.8% |
| Connecticut | $1,296 | $34 | 2.7% |
| Delaware | $1,426 | $164 | 13.0% |
| Florida | $1,576 | $314 | 24.9% |
| Georgia | $1,162 | -$100 | -7.9% |
| Hawaii | $904 | -$358 | -28.4% |
| Idaho | $854 | -$408 | -32.3% |
| Illinois | $940 | -$322 | -25.5% |
| Indiana | $950 | -$312 | -24.7% |
| Iowa | $854 | -$408 | -32.3% |
| Kansas | $1,198 | -$64 | -5.1% |
| Kentucky | $1,718 | $456 | 36.1% |
| Louisiana | $1,866 | $604 | 47.9% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,040 | -$222 | -17.6% |
| Massachusetts | $1,006 | -$256 | -20.3% |
| Michigan | $2,188 | $926 | 73.4% |
| Minnesota | $1,056 | -$206 | -16.3% |
| Mississippi | $1,510 | $248 | 19.7% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,354 | $92 | 7.3% |
| Nebraska | $994 | -$268 | -21.2% |
| Nevada | $1,512 | $250 | 19.8% |
| New Hampshire | $906 | -$356 | -28.2% |
| New Jersey | $1,406 | $144 | 11.4% |
| New Mexico | $1,118 | -$144 | -11.4% |
| New York | $1,324 | $62 | 4.9% |
| North Carolina | $726 | -$536 | -42.5% |
| North Dakota | $1,034 | -$228 | -18.1% |
| Ohio | $872 | -$390 | -30.9% |
| Oklahoma | $1,294 | $32 | 2.5% |
| Oregon | $1,156 | -$106 | -8.4% |
| Pennsylvania | $1,202 | -$60 | -4.8% |
| Rhode Island | $1,682 | $420 | 33.3% |
| South Carolina | $1,142 | -$120 | -9.5% |
| South Dakota | $1,064 | -$198 | -15.7% |
| Tennessee | $1,104 | -$158 | -12.5% |
| Texas | $1,520 | $258 | 20.4% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $862 | -$400 | -31.7% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $972 | -$290 | -23.0% |
| West Virginia | $1,156 | -$106 | -8.4% |
| Wisconsin | $874 | -$388 | -30.7% |
| Wyoming | $1,122 | -$140 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Accord Crosstour EX 2WD | $1,216 | $101 |
| Honda Accord Crosstour EX-L 2WD | $1,240 | $103 |
| Honda Accord Crosstour EX-L 4WD | $1,262 | $105 |
| Honda Accord Crosstour EX-L Navigation 2WD | $1,262 | $105 |
| Honda Accord Crosstour EX-L Navigation 4WD | $1,286 | $107 |
Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Honda Accord Crosstour | $206 | $328 | $580 | $1,314 |
| 2014 Honda Accord Crosstour | $202 | $306 | $592 | $1,300 |
| 2013 Honda Accord Crosstour | $186 | $284 | $592 | $1,262 |
| 2012 Honda Accord Crosstour | $182 | $258 | $596 | $1,236 |
Rates are averaged for all Honda Accord Crosstour models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Right Honda Accord Crosstour Insurance
Finding better rates on Honda Accord Crosstour insurance takes being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop every time your policy renews by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
Below you'll find a quick rundown of the information touched on in the above illustrations.
- It is possible to save around $140 per year just by quoting online well ahead of the renewal date
- Youthful drivers are expensive to insure, with premiums being up to $427 per month including comprehensive and collision insurance
- Increasing policy deductibles could save up to $300 each year
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,460 more per year than a low-risk driver
- Drivers who purchase more liability protection will pay approximately $650 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,124 |
| 20 | $2,904 |
| 30 | $1,280 |
| 40 | $1,262 |
| 50 | $1,158 |
| 60 | $1,134 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,374 |
| $500 | $1,262 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,404 |
| 100/300 | $1,552 |
| 250/500 | $1,937 |
| 100 CSL | $1,464 |
| 300 CSL | $1,789 |
| 500 CSL | $2,026 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,220 |
| 20 | $4,632 |
| 30 | $2,748 |
| 40 | $2,726 |
| 50 | $2,608 |
| 60 | $2,580 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $69 |
| Homeowner | $22 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $46 |
| Advance Quote | $56 |
| Online Quote | $85 |
| Total Discounts | $499 |
Discounts are estimated and may not be available from every company or in every state.
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