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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Estimated insurance rates for a Honda Accord Crosstour are $1,262 a year for full coverage. Comprehensive costs an estimated $186, collision costs $284, and liability coverage is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,726. 16-year-old drivers pay the most at $5,124 a year or more.
Average premium for full coverage: $1,262
Premium estimates broken down by type of coverage:
These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all Accord Crosstour models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Honda Accord Crosstour go from as low as $652 for your basic liability-only policy to the much higher price of $2,726 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than congested cities.
The example below illustrates how where you live affects insurance prices.
These rate differences show why everyone should compare rates quotes for a targeted area and risk profile, rather than using rate 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 Information
The chart below shows estimated Honda Accord Crosstour insurance rates for other coverage scenarios.
- The best full coverage rate is $763
- Raising to $1,000 deductibles will save approximately $106 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,262
- Buying pricier low deductibles will increase the cost to $1,468
- Unlucky drivers with multiple tickets or accidents could pay up to $2,726 or more
- An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $5,124
Insurance prices for a Honda Accord Crosstour also have a wide range based on your driving characteristics, the trim level of your Accord Crosstour, and liability limits and deductibles.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age
Where you choose to live also has a big influence on Honda Accord Crosstour insurance rates. A middle-age driver might find prices as low as $830 a year in states like Iowa, Maine, and Idaho, or at least $1,800 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $320 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $533 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 additional annually, depending on your age. Honda Accord Crosstour insurance for high-risk drivers is expensive and can cost around 41% to 132% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Cheap Honda Accord Crosstour Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a brief summary of the primary concepts that were touched on in the above illustrations.
- Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
- Drivers that tend to have accidents or serious violations pay an average of $1,460 more annually to insure their Accord Crosstour
- Increasing policy deductibles can save around $300 each year
- Teen drivers are expensive to insure, as much as $427 per month including comprehensive and collision insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,374 |
| $500 | $1,262 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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