Honda Accord Crosstour Insurance Rates

The average insurance rates for a Honda Accord Crosstour are $1,236 a year with full coverage. Comprehensive costs on average $182 a year, collision costs $258, and liability costs $596. Buying just liability costs as little as $656 a year, with insurance for high-risk drivers costing around $2,664. Teens cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,236

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Accord Crosstour trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $751
• Drivers who choose higher $1,000 deductibles will pay around $1,134 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,236
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,426
• Drivers with serious driving violations could pay upwards of $2,664 or more
• Policy cost that insures a 16-year-old driver may cost $5,040 a year

View Chart as Image

Insurance rates for a Honda Accord Crosstour also range considerably based on the trim level of your Accord Crosstour, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Honda Accord Crosstour insurance prices. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,670 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $300 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $537 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every company calculates rates differently, so the rates will be varied.

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 Cheaper Honda Accord Crosstour Insurance

Finding cheaper rates on insurance for a Honda Accord Crosstour not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Compare rates at least every other year by getting price quotes from direct companies, and also from several local insurance agents.

Below is a condensed summary of the car insurance concepts covered above.

• Drivers considered higher risk with multiple at-fault accidents pay on average $1,430 more each year for auto insurance
• You may be able to save as much as $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $300 each year
• Insureds who require higher levels of liability will pay approximately $660 every year to go from a 30/60 limit to the 250/500 level