Honda Accord Crosstour Insurance Rates
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UPDATED: Mar 31, 2024
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U.S. average insurance prices for a Honda Accord Crosstour are $1,300 every 12 months for full coverage. Comprehensive costs an estimated $202, collision insurance costs $306, and liability costs around $592. Liability-only coverage costs as low as $652 a year, and high-risk coverage costs around $2,802. 16-year-old drivers pay the highest rates at up to $5,232 a year.
Average premium for full coverage: $1,300
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all Accord Crosstour models.
Price Range from Low to High
For an average driver, Honda Accord Crosstour insurance prices range from the cheapest price of $652 for just liability coverage to the much higher price of $2,802 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live can have significant affects on insurance rates. More rural locations have more infrequent accident claims than congested cities. The example below illustrates the effect of geographic area on insurance prices.
The ranges above show why everyone should compare prices for a targeted area and their own driving history, 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.
Detailed Rate Analysis
The chart below shows average Honda Accord Crosstour insurance rates for other coverage scenarios.
- The best full coverage rate is $783
- Using higher $1,000 deductibles will save approximately $116 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,300
- Buying pricier low deductibles for physical damage coverage increases the price to $1,520
- Drivers with multiple tickets or accidents could pay up to $2,802
- The price to insure a teen driver for full coverage can cost as much as $5,232 or more
Auto insurance prices for a Honda Accord Crosstour are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Opting for high physical damage deductibles could cut prices by as much as $340 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $533 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,500 to $2,200 in extra premium each year, depending on your age. Honda Accord Crosstour insurance for high-risk drivers can be as much as 42% to 129% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Honda Accord Crosstour insurance prices. A driver around age 40 might see prices as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,850 on average in New York, Louisiana, and Michigan.
| 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% |
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 Shop for Affordable Honda Accord Crosstour Insurance
Getting lower rates on car insurance requires being safe and accident-free, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a brief review of the ideas that were covered in the above illustrations.
- Youthful drivers are the costliest to insure, with premiums as much as $436 a month if comprehensive and collision insurance is included
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,500 more annually than a low-risk driver
- Increasing physical damage deductibles could save as much as $325 each year
- Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date
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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