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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U.S. average auto insurance rates for a Honda Accord Crosstour are $1,262 annually with full coverage. Comprehensive costs on average $186, collision costs $284, and liability insurance is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,726. Teen drivers pay the highest rates at $5,124 a year or more.
Average premium for full coverage: $1,262
Price estimates by individual coverage:
Prices include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Accord Crosstour models.
Price Range from Low to High
Using a 40-year-old driver as an example, Honda Accord Crosstour insurance prices go from as cheap as $652 for just the minimum liability insurance to the much higher price of $2,726 for a driver that may need high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have fewer collision claims than larger metro areas.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below details estimated Honda Accord Crosstour insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $763
- Raising to $1,000 deductibles will save around $106 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,262
- Choosing pricier low deductibles will cost $1,468
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,726 or more
- The price with full coverage for a teen driver for full coverage may cost $5,124
Car insurance prices for a Honda Accord Crosstour are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 extra each year, depending on your age. Honda Accord Crosstour insurance for high-risk drivers is expensive and can cost anywhere from 41% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce prices by up to $320 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Honda Accord Crosstour insurance rates. A middle-age driver might find prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,700 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different between companies.
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 Buy the Right Honda Accord Crosstour Insurance
Getting lower rates on Honda Accord Crosstour insurance consists of being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
Below is a quick rundown of the data that was raised in the charts and tables above.
- You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
- Drivers who require higher levels of liability will pay about $650 every year to raise from a low limit to higher 250/500 limits
- Teenage drivers are expensive to insure, costing up to $427 a month if comprehensive and collision insurance is included
- High-risk drivers with reckless driving or DUI convictions pay an average of $1,460 more each year for auto 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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