Honda Accord Crosstour Insurance Rates
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UPDATED: Mar 31, 2024
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U.S. average insurance rates for a Honda Accord Crosstour are $1,300 a year with full coverage. Comprehensive costs approximately $202 a year, collision costs $306, and liability is estimated at $592. A policy with just liability insurance costs approximately $652 a year, with coverage for high-risk drivers costing around $2,802. 16-year-old drivers pay the highest rates at $5,232 a year or more.
Average premium for full coverage: $1,300
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Accord Crosstour trim levels.
Price Range from Low to High
For a driver in their 40's, Honda Accord Crosstour insurance prices go from as low as $652 for just the minimum liability insurance to a high of $2,802 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities.
The diagram below illustrates how location helps determine auto insurance prices.
The ranges above demonstrate why it is important to get quotes using their specific location and risk profile, instead of 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 Rate Analysis
The chart below details estimated Honda Accord Crosstour insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $783
- Choosing higher $1,000 deductibles can save $1,184 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,300
- Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,520
- Unlucky drivers with multiple tickets or accidents could pay around $2,802 or more
- The price for full coverage for a teen driver can cost $5,232 each year
Insurance prices for a Honda Accord Crosstour are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda Accord Crosstour insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$128 | -9.8% |
| Alaska | $994 | -$306 | -23.5% |
| Arizona | $1,076 | -$224 | -17.2% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,478 | $178 | 13.7% |
| Colorado | $1,238 | -$62 | -4.8% |
| Connecticut | $1,334 | $34 | 2.6% |
| Delaware | $1,468 | $168 | 12.9% |
| Florida | $1,622 | $322 | 24.8% |
| Georgia | $1,196 | -$104 | -8.0% |
| Hawaii | $930 | -$370 | -28.5% |
| Idaho | $878 | -$422 | -32.5% |
| Illinois | $966 | -$334 | -25.7% |
| Indiana | $978 | -$322 | -24.8% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,232 | -$68 | -5.2% |
| Kentucky | $1,768 | $468 | 36.0% |
| Louisiana | $1,920 | $620 | 47.7% |
| Maine | $800 | -$500 | -38.5% |
| Maryland | $1,070 | -$230 | -17.7% |
| Massachusetts | $1,036 | -$264 | -20.3% |
| Michigan | $2,252 | $952 | 73.2% |
| Minnesota | $1,088 | -$212 | -16.3% |
| Mississippi | $1,554 | $254 | 19.5% |
| Missouri | $1,152 | -$148 | -11.4% |
| Montana | $1,396 | $96 | 7.4% |
| Nebraska | $1,022 | -$278 | -21.4% |
| Nevada | $1,556 | $256 | 19.7% |
| New Hampshire | $934 | -$366 | -28.2% |
| New Jersey | $1,450 | $150 | 11.5% |
| New Mexico | $1,148 | -$152 | -11.7% |
| New York | $1,364 | $64 | 4.9% |
| North Carolina | $746 | -$554 | -42.6% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $896 | -$404 | -31.1% |
| Oklahoma | $1,332 | $32 | 2.5% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$62 | -4.8% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,174 | -$126 | -9.7% |
| South Dakota | $1,094 | -$206 | -15.8% |
| Tennessee | $1,136 | -$164 | -12.6% |
| Texas | $1,564 | $264 | 20.3% |
| Utah | $962 | -$338 | -26.0% |
| Vermont | $886 | -$414 | -31.8% |
| Virginia | $778 | -$522 | -40.2% |
| Washington | $1,002 | -$298 | -22.9% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $900 | -$400 | -30.8% |
| Wyoming | $1,156 | -$144 | -11.1% |
Opting for high physical damage deductibles can save as much as $340 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $533 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 129% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Each auto insurer utilizes a different rate formula, so the prices may be quite different 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 | $1,248 | $104 |
| Honda Accord Crosstour EX-L 2WD | $1,274 | $106 |
| Honda Accord Crosstour EX-L 4WD | $1,300 | $108 |
| Honda Accord Crosstour EX-L Navigation 2WD | $1,300 | $108 |
| Honda Accord Crosstour EX-L Navigation 4WD | $1,324 | $110 |
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 | $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 Best Honda Accord Crosstour Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a brief recap of the data covered in the charts and tables above.
- Policyholders who purchase higher liability limits will pay around $650 every year to raise limits from a low limit to 250/500 limits
- You may be able to save around $150 per year simply by quoting early and online
- Increasing physical damage deductibles can save around $325 each year
- Teenagers are expensive to insure, costing up to $436 a month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,232 |
| 20 | $2,988 |
| 30 | $1,320 |
| 40 | $1,300 |
| 50 | $1,192 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,418 |
| $500 | $1,300 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,442 |
| 100/300 | $1,590 |
| 250/500 | $1,975 |
| 100 CSL | $1,502 |
| 300 CSL | $1,827 |
| 500 CSL | $2,064 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,380 |
| 20 | $4,762 |
| 30 | $2,830 |
| 40 | $2,802 |
| 50 | $2,682 |
| 60 | $2,652 |
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 | $66 |
| Multi-vehicle | $71 |
| Homeowner | $23 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $48 |
| Advance Quote | $58 |
| Online Quote | $88 |
| Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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