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...
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UPDATED: Mar 31, 2024
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Average insurance rates for a Honda Accord Crosstour are $1,236 a year including full coverage. Comprehensive costs on average $182 each year, collision insurance costs $258, and liability costs $596. A liability-only policy costs as little as $656 a year, and high-risk insurance costs around $2,664. Teen drivers receive the highest rates at up to $5,040 a year.
Average premium for full coverage: $1,236
Rate estimates by individual coverage type:
Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Accord Crosstour models.
Price Range by Coverage and Risk
For an average driver, prices range range from as low as $656 for just liability insurance to a high rate of $2,664 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
These examples highlight why all drivers should compare rates based on a specific location and risk profile, instead of making a decision based on price averages.
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.
More Rate Details
The chart below breaks down average Honda Accord Crosstour insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $751
- Drivers who choose higher $1,000 deductibles will pay around $102 every year
- The average rate for a 40-year-old driver with $500 deductibles is $1,236
- Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,426
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,664
- The cost for full coverage for a 16-year-old driver may cost $5,040 a year
Insurance rates for a Honda Accord Crosstour can also vary considerably based on your driver profile, the model of your Accord Crosstour, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age
Where you live makes a big difference in Honda Accord Crosstour insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,760 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,116 | -$120 | -9.7% |
| Alaska | $948 | -$288 | -23.3% |
| Arizona | $1,026 | -$210 | -17.0% |
| Arkansas | $1,236 | -$0 | 0.0% |
| California | $1,408 | $172 | 13.9% |
| Colorado | $1,180 | -$56 | -4.5% |
| Connecticut | $1,268 | $32 | 2.6% |
| Delaware | $1,400 | $164 | 13.3% |
| Florida | $1,544 | $308 | 24.9% |
| Georgia | $1,140 | -$96 | -7.8% |
| Hawaii | $884 | -$352 | -28.5% |
| Idaho | $838 | -$398 | -32.2% |
| Illinois | $920 | -$316 | -25.6% |
| Indiana | $932 | -$304 | -24.6% |
| Iowa | $836 | -$400 | -32.4% |
| Kansas | $1,170 | -$66 | -5.3% |
| Kentucky | $1,684 | $448 | 36.2% |
| Louisiana | $1,830 | $594 | 48.1% |
| Maine | $762 | -$474 | -38.3% |
| Maryland | $1,018 | -$218 | -17.6% |
| Massachusetts | $986 | -$250 | -20.2% |
| Michigan | $2,144 | $908 | 73.5% |
| Minnesota | $1,034 | -$202 | -16.3% |
| Mississippi | $1,478 | $242 | 19.6% |
| Missouri | $1,096 | -$140 | -11.3% |
| Montana | $1,328 | $92 | 7.4% |
| Nebraska | $972 | -$264 | -21.4% |
| Nevada | $1,480 | $244 | 19.7% |
| New Hampshire | $890 | -$346 | -28.0% |
| New Jersey | $1,380 | $144 | 11.7% |
| New Mexico | $1,094 | -$142 | -11.5% |
| New York | $1,298 | $62 | 5.0% |
| North Carolina | $710 | -$526 | -42.6% |
| North Dakota | $1,010 | -$226 | -18.3% |
| Ohio | $854 | -$382 | -30.9% |
| Oklahoma | $1,266 | $30 | 2.4% |
| Oregon | $1,130 | -$106 | -8.6% |
| Pennsylvania | $1,180 | -$56 | -4.5% |
| Rhode Island | $1,648 | $412 | 33.3% |
| South Carolina | $1,118 | -$118 | -9.5% |
| South Dakota | $1,044 | -$192 | -15.5% |
| Tennessee | $1,082 | -$154 | -12.5% |
| Texas | $1,488 | $252 | 20.4% |
| Utah | $914 | -$322 | -26.1% |
| Vermont | $844 | -$392 | -31.7% |
| Virginia | $740 | -$496 | -40.1% |
| Washington | $952 | -$284 | -23.0% |
| West Virginia | $1,132 | -$104 | -8.4% |
| Wisconsin | $856 | -$380 | -30.7% |
| Wyoming | $1,102 | -$134 | -10.8% |
Choosing high deductibles could save up to $300 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $537 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Accord Crosstour EX 2WD | $1,190 | $99 |
| Honda Accord Crosstour EX-L 2WD | $1,214 | $101 |
| Honda Accord Crosstour EX-L 4WD | $1,236 | $103 |
| Honda Accord Crosstour EX-L Navigation 2WD | $1,236 | $103 |
| Honda Accord Crosstour EX-L Navigation 4WD | $1,258 | $105 |
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 | $202 | $306 | $592 | $1,300 |
| 2014 Honda Accord Crosstour | $186 | $284 | $592 | $1,262 |
| 2013 Honda Accord Crosstour | $182 | $258 | $596 | $1,236 |
| 2012 Honda Accord Crosstour | $170 | $236 | $592 | $1,198 |
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 the Cheapest Honda Accord Crosstour Insurance
Saving money on insurance for a Honda Accord Crosstour not only requires being a safe and courteous driver, but also maintaining good credit, not filing small claims, and determing if full coverage is necessary. Take the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below is a recap of the information covered in the above illustrations.
- You may be able to save as much as $140 per year just by quoting online in advance
- Teenage drivers pay the highest rates, as much as $420 per month for full coverage
- Increasing deductibles can save around $300 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,430 more each year for auto insurance
- Insureds who require higher levels of liability will pay about $660 per year to go from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,040 |
| 20 | $2,838 |
| 30 | $1,252 |
| 40 | $1,236 |
| 50 | $1,134 |
| 60 | $1,110 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,426 |
| $250 | $1,340 |
| $500 | $1,236 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,236 |
| 50/100 | $1,377 |
| 100/300 | $1,526 |
| 250/500 | $1,914 |
| 100 CSL | $1,437 |
| 300 CSL | $1,765 |
| 500 CSL | $2,003 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,098 |
| 20 | $4,526 |
| 30 | $2,684 |
| 40 | $2,664 |
| 50 | $2,550 |
| 60 | $2,522 |
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 | $62 |
| Multi-vehicle | $68 |
| Homeowner | $22 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $44 |
| Advance Quote | $54 |
| Online Quote | $83 |
| Total Discounts | $485 |
Discounts are estimated and may not be available from every company or in every state.
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