Honda Accord Crosstour Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 31, 2024

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Average insurance rates for a Honda Accord Crosstour are $1,262 a year with full coverage. Comprehensive insurance costs an estimated $186 each year, collision insurance costs $284, and liability costs $592. Liability-only coverage costs as little as $652 a year, and high-risk coverage costs $2,726 or more. 16-year-old drivers receive the highest rates at up to $5,124 a year.

Average premium for full coverage: $1,262

Rate estimates broken down by individual coverage type:

Comprehensive $186
Collision $284
Liability $592

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Accord Crosstour models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range range from the low end price of $652 for your basic liability-only policy to a high rate of $2,726 for a policy for a high-risk driver.

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

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.

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

These examples demonstrate why all drivers should compare rates for a targeted area, instead of making a decision based 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.

More Rate Information

The chart below details average Honda Accord Crosstour insurance rates for other coverage scenarios.

  • The best full coverage rate is $763
  • Drivers who choose higher $1,000 deductibles will pay approximately $106 annually
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,262
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $206 annually
  • Drivers with multiple tickets or accidents could pay up to $2,726
  • The cost that insures a 16-year-old driver can cost as much as $5,124 a year

View Chart as Image

Honda Accord Crosstour insurance cost comparison chart
Column chart showing Honda Accord Crosstour insurance prices range from $763 to $5,124 for full coverage

Car insurance rates for a Honda Accord Crosstour can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 41% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged at least $5,100 a year. View Rates by Age

Where you live makes a big difference in Honda Accord Crosstour insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Utah, Ohio, and New Hampshire, or at least $1,700 on average in New York, Michigan, and Florida.

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

Opting for high physical damage deductibles could save up to $320 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit

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 2012 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 $214 $350 $574 $1,338
2014 Honda Accord Crosstour $206 $328 $580 $1,314
2013 Honda Accord Crosstour $202 $306 $592 $1,300
2012 Honda Accord Crosstour $186 $284 $592 $1,262

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 Right Honda Accord Crosstour Insurance

Saving money on insurance for a Honda Accord Crosstour not only requires having a decent driving record, but also having a positive credit history, eliminating unnecessary coverage, and possibly higher deductibles. Comparison shop every year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the coverage data raised in the charts and tables above.

  • You may be able to save approximately $140 per year just by quoting online in advance
  • Increasing deductibles can save approximately $300 each year
  • 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $427 per month if full coverage is purchased
  • Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,460 more annually than a driver with a clean driving record

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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