Honda Accord Crosstour Insurance Rates

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2012 Honda Accord Crosstour Insurance Cost in 2025 – 10 Policy Discounts

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UPDATED: Mar 31, 2024

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U.S. average insurance rates for a Honda Accord Crosstour are $1,262 a year with full coverage. Comprehensive costs on average $186, collision costs $284, and liability coverage costs $592. Liability-only insurance costs as little as $652 a year, with high-risk driver insurance costing around $2,726. Teens pay the highest rates at $5,124 a year or more.

Average premium for full coverage: $1,262

Price estimates by individual coverage:

Comprehensive $186
Collision $284
Liability $592

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for all Accord Crosstour models.

Price Range from Low to High

Using a 40-year-old driver as an example, Honda Accord Crosstour insurance prices go from the low end price of $652 for a discount liability-only rate to the much higher price of $2,726 for a high-risk driver policy.

Liability Only $652
Full Coverage $1,262
High Risk $2,726

Geographic Price Range

Your location has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $947
Small Cities $1,325
Large Cities $1,704

The ranges above demonstrate why everyone should compare rates based on a specific location, rather than using 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.

Rates by State, City, and Model

The chart below details estimated Honda Accord Crosstour insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $763
  • Drivers who choose higher $1,000 deductibles will pay around $106 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,262
  • Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,468
  • High-risk insureds with serious driving violations could pay upwards of $2,726 or more
  • The price that insures a teenage driver for full coverage may cost $5,124 a year

View Chart as Image

Honda Accord Crosstour insurance cost comparison chart
Column chart showing full coverage Honda Accord Crosstour insurance rates range from $763 to $5,124

Car insurance prices for a Honda Accord Crosstour are also quite variable based on the model of your Accord Crosstour, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Honda Accord Crosstour insurance for high-risk drivers can cost around 41% to 132% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Honda Accord Crosstour insurance rates. A 40-year-old driver could pay as low as $910 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,700 on average in Florida, Michigan, and New York.

Honda Accord Crosstour Insurance Rates by State
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%

View Chart as Image

Honda Accord Crosstour insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $320 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Every company calculates prices differently, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

Honda Accord Crosstour Insurance Rates by Model and Trim Level
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.

Honda Accord Crosstour Insurance Rates by Model Year
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 Find Cheaper Honda Accord Crosstour Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates every time your policy renews by requesting quotes from direct companies, and also from several local insurance agents.

Below is a condensed summary of the information raised in the charts and tables above.

  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Teenage drivers are expensive to insure, costing up to $427 a month if full coverage is purchased
  • Increasing physical damage deductibles can save approximately $300 each year
  • Drivers with multiple at-fault accidents pay on average $1,460 more each year for auto insurance
  • Consumers who require higher levels of liability will pay approximately $650 every year to go from a low limit to the 250/500 level

Rates by Driver Age

Honda Accord Crosstour Insurance 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

Honda Accord Crosstour Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,468
$250 $1,374
$500 $1,262
$1,000 $1,156

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Crosstour Insurance Rates with Different Liability Limits
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

Honda Accord Crosstour Insurance 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.

SR-22 Surcharge $172

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
Rate after discounts $763

Discounts are estimated and may not be available from every company or in every state.

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