Honda Accord Crosstour Insurance Rates
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Michelle Robbins
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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 for full coverage. Comprehensive insurance costs approximately $182 each year, collision costs $258, and liability insurance is estimated at $596. Buying just liability costs approximately $656 a year, with insurance for high-risk drivers costing $2,664 or more. Teen drivers receive the highest rates at $5,040 a year or more.
Average premium for full coverage: $1,236
Rate estimates by individual coverage type:
These estimates include $500 deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and Accord Crosstour models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $656 for just liability insurance to a high rate of $2,664 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates how location impacts auto insurance prices.
These examples show why all drivers should get quotes using their specific location, rather than relying 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 shows estimated Honda Accord Crosstour insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $751
- Choosing higher $1,000 deductibles can save $102 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,236
- Choosing low deductibles for comp and collision coverage will cost an additional $190 a year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,664 or more
- The cost that insures a teen driver can cost $5,040 each year
Auto insurance rates for a Honda Accord Crosstour can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 135% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,000 a year. View Rates by Age
Where you 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 $820 a year in states like Iowa, Maine, and Idaho, or as much as $1,760 on average in New York, Louisiana, and Michigan.
| 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 can save as much as $300 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different.
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 Cheap Honda Accord Crosstour Insurance
Saving money on Honda Accord Crosstour insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Shop around at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief summary of the primary concepts that were touched on above.
- Drivers can save around $140 per year simply by quoting online in advance
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,430 more per year for Accord Crosstour insurance
- Increasing deductibles can save approximately $300 each year
- Teens have the highest car insurance rates, costing as high as $420 per month if the policy includes full coverage
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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