Honda Accord Crosstour Insurance Rates
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UPDATED: Mar 31, 2024
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The average insurance rates for a Honda Accord Crosstour are $1,300 a year with full coverage. Comprehensive costs an estimated $202, collision insurance costs $306, and liability costs around $592. Liability-only insurance costs as low as $652 a year, and high-risk driver insurance costs around $2,802. Teenage drivers cost the most to insure at up to $5,232 a year.
Average premium for full coverage: $1,300
Policy rates broken down by type of insurance:
Prices include $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all Accord Crosstour models.
Price Range Variability
For an average driver, Honda Accord Crosstour insurance rates range from the low end price of $652 for just the minimum liability insurance to the much higher price of $2,802 for high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.
The examples above demonstrate why everyone should compare prices for a targeted area, instead of using average rates.
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 average Honda Accord Crosstour insurance rates for other coverage scenarios.
- The best discount rate is $783
- Using higher $1,000 deductibles will save approximately $116 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,300
- Using pricier low deductibles for physical damage coverage bumps up the cost to $1,520
- Drivers who are prone to accidents and violations could pay up to $2,802
- Policy cost that insures a teen driver for full coverage can cost as much as $5,232 or more
Auto insurance rates for a Honda Accord Crosstour also range considerably based on the model of your Accord Crosstour, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,200 in extra premium every year, depending on your age. Honda Accord Crosstour insurance for high-risk drivers can be as much as 42% to 129% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age
Your home state has a huge impact on Honda Accord Crosstour insurance prices. A driver around age 40 might see rates as low as $940 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $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% |
Using high physical damage deductibles could cut rates by as much as $340 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $533 extra every year. View Rates by Deductible or Liability Limit
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 Right Honda Accord Crosstour Insurance
Finding cheaper rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.
Below is a quick rundown of the material that was covered in the above illustrations.
- Policyholders who want higher levels of liability will pay an extra $650 every year to increase from a 30/60 limit to the 250/500 level
- Teenage drivers are the costliest to insure, as much as $436 each month if the policy includes full coverage
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,500 more annually for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $325 each year
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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