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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Average auto insurance rates for a Honda Accord Crosstour are $1,262 annually for full coverage. Comprehensive costs on average $186 a year, collision costs $284, and liability is estimated at $592. Buying just liability costs approximately $652 a year, with insurance for high-risk drivers costing around $2,726. Teen drivers receive the highest rates at $5,124 a year or more.

Average premium for full coverage: $1,262

Rate estimates by individual coverage type:

Comprehensive $186
Collision $284
Liability $592

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Accord Crosstour trim levels.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $652 for your basic liability-only policy to a high of $2,726 for a driver required to buy high-risk insurance.

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

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas.

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

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

These examples show why it is important to get quotes based on a specific location and their own personal driving habits, 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 Information

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

  • The lowest rate with discounts is $763
  • Choosing higher $1,000 deductibles can save around $1,156 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,262
  • Choosing low $100 deductibles for comp and collision coverage will cost $1,468
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,726 or more
  • The cost with full coverage for a 16-year-old driver may cost $5,124 each 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

Auto insurance rates for a Honda Accord Crosstour can also vary considerably based on the trim level of your Accord Crosstour, your driver profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges from 41% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $320 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $533 extra every year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Honda Accord Crosstour insurance prices. A good driver about age 40 could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or as much as $1,800 on average in Michigan, Louisiana, 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

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different between companies.

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 Buy Low Cost Honda Accord Crosstour Insurance

Saving money on insurance for a Honda Accord Crosstour takes being a safe and courteous driver, having above-average credit, eliminating unneeded coverage, and taking advantage of discounts. Set aside time to shop around at every policy renewal by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a review of the data raised in the charts and tables above.

  • Insureds who require higher levels of liability will pay about $650 each year to raise limits from a minimum limit to higher 250/500 limits
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Increasing deductibles could save up to $300 each year
  • Teenage drivers are charged the highest rates, costing as high as $427 per month if full coverage is included

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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