Honda Accord Crosstour Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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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Average insurance rates for a Honda Accord Crosstour are $1,236 a year with full coverage. Comprehensive insurance costs approximately $182 a year, collision costs $258, and liability coverage 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 receive the highest rates at $5,040 a year or more.
Average premium for full coverage: $1,236
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Accord Crosstour trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $656 for liability-only coverage to a high of $2,664 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
These examples demonstrate why it is important to compare prices using their specific location, 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.
Additional Charts and Tables
The chart below details estimated Honda Accord Crosstour insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $751
- Using higher $1,000 deductibles will save $1,134 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,236
- Buying low $100 deductibles for physical damage coverage will cost an additional $190 each year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,664 or more
- The cost that insures a teenage driver can cost $5,040 or more
Car insurance rates for a Honda Accord Crosstour can also vary considerably based on the trim level of your Accord Crosstour, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,000 a year. View Rates by Age
Where you live has a huge impact on Honda Accord Crosstour insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,670 on average in New York, Michigan, and Florida.
| 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 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $537 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes can be significantly different.
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 the Best Cheap Honda Accord Crosstour Insurance
Saving money on auto insurance requires being a good driver, having a positive credit history, eliminating unnecessary coverage, and avoiding coverage lapses. Comparison shop at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The following list is a quick review of the concepts that were covered in the above illustrations.
- Drivers with a DUI or reckless driving violation may have to pay on average $1,430 more per year than a safer driver
- Drivers age 16 to 20 pay the highest auto insurance rates, with premiums as much as $420 per month if full coverage is purchased
- You may be able to save around $140 per year simply by quoting early and online
- Increasing deductibles can save approximately $300 each year
- You may be able to save around $140 per year simply by quoting early and online
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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