Honda Accord Crosstour Insurance Rates

The average auto insurance rates for a Honda Accord Crosstour are $1,236 annually including full coverage. Comprehensive insurance costs approximately $182, collision costs $258, and liability coverage costs $596. Liability-only coverage costs as little as $656 a year, with high-risk coverage costing $2,664 or more. Teenage drivers 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:

Includes $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Accord Crosstour trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below breaks down estimated Honda Accord Crosstour insurance rates for additional coverage and risk scenarios.

• The best discount rate is $751
• Drivers who choose higher $1,000 deductibles will pay $102 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,236
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $190 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,664 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost $5,040 a year

View Chart as Image

Insurance rates for a Honda Accord Crosstour also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $300 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $537 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda Accord Crosstour insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,760 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy the Cheapest Honda Accord Crosstour Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following is a recap of the car insurance concepts covered in the above illustrations.

• Drivers that have major violations or accidents may have to pay on average $1,430 more per year for Accord Crosstour insurance
• You may be able to save around $140 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Consumers who purchase higher liability limits will pay an extra $660 per year to go from a 30/60 limit to higher 250/500 limits