Honda Accord Crosstour Insurance Rates

The average insurance rates for a Honda Accord Crosstour are $1,236 a year for full coverage. Comprehensive insurance costs an estimated $182 each year, collision costs $258, and liability insurance costs around $596. Liability-only insurance costs as low as $656 a year, with high-risk driver insurance costing $2,664 or more. Teens cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,236

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Accord Crosstour models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates how location impacts insurance prices.

The examples above show why all drivers should compare prices for a targeted area and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows estimated Honda Accord Crosstour insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $751
• Using higher $1,000 deductibles will save approximately $102 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,236
• Selecting low deductibles for physical damage coverage will cost an extra $190 a year
• Drivers with serious driving violations could pay up to $2,664 or more
• Policy cost for full coverage for a teen driver can cost as much as $5,040 or more

View Chart as Image

Auto insurance rates for a Honda Accord Crosstour also range considerably based on your risk profile, the trim level of your Accord Crosstour, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

Your home state has a huge impact on Honda Accord Crosstour insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,760 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $300 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $537 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Honda Accord Crosstour Insurance

Finding cheaper rates on Honda Accord Crosstour insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a brief recap of the ideas that were touched on above.

• Drivers age 16 to 20 are the costliest to insure, costing up to $420 each month if they have full coverage
• High-risk drivers who tend to receive serious violations pay an average of $1,430 more annually than a safer driver
• Increasing comprehensive and collision deductibles can save around $300 each year
• Drivers can save approximately $140 per year simply by quoting online in advance