Honda Accord Crosstour Insurance Rates
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Michelle Robbins
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UPDATED: Mar 31, 2024
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The average insurance rates for a Honda Accord Crosstour are $1,236 a year for full coverage. Comprehensive insurance costs an estimated $182 each year, collision costs $258, and liability insurance costs around $596. Liability-only coverage costs as low as $656 a year, with high-risk coverage costing $2,664 or more. 16-year-old drivers cost the most to insure at $5,040 a year or more.
Average premium for full coverage: $1,236
Policy rates broken down by type of insurance:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Accord Crosstour models.
Price Range Variability
For a 40-year-old driver, Honda Accord Crosstour insurance rates go from as low as $656 for minimum levels of liability insurance to a high rate of $2,664 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.
The graphic below illustrates how your location can change insurance prices.
The examples above show why all drivers should compare prices for a targeted area and risk profile, rather than relying on 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.
Additional Rate Details
The chart below shows estimated Honda Accord Crosstour insurance rates for other coverage scenarios.
- The best full coverage rate is $751
- Using higher $1,000 deductibles will save approximately $102 a year
- The average rate for a good driver age 40 who has $500 deductibles is $1,236
- Buying low deductibles for physical damage coverage will cost an extra $190 a year
- Drivers with multiple tickets or accidents could pay up to $2,664 or more
- Policy cost for full coverage for a teen driver can cost as much as $5,040 or more
Insurance rates for a Honda Accord Crosstour also range considerably based on your risk profile, the trim level of your Accord Crosstour, and liability limits and deductibles.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,000 a year. View Rates by Age
Your home state has a huge impact on Honda Accord Crosstour insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or at least $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% |
Opting for high physical damage deductibles could cut rates by as much as $300 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $537 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and rates will be varied 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 | $1,190 | $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 More Affordable Honda Accord Crosstour Insurance
Finding cheaper rates on Honda Accord Crosstour insurance requires being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a summary of the car insurance concepts illustrated above.
- High-risk drivers who have multiple accidents or major violations pay an average of $1,430 more annually to insure their Accord Crosstour
- Drivers can save approximately $140 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $300 each year
- Drivers who want more liability coverage will pay around $660 each year to increase from a 30/60 limit to 250/500 limits
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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