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...

Insurance Lawyer

UPDATED: Mar 31, 2024

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The average insurance rates for a Honda Accord Crosstour are $1,262 a year for full coverage. Comprehensive insurance costs around $186, collision costs $284, and liability costs around $592. Liability-only insurance costs as low as $652 a year, with high-risk driver insurance costing $2,726 or more. 16-year-old drivers cost the most to insure at $5,124 a year or more.

Average premium for full coverage: $1,262

Policy rates for type of insurance:

Comprehensive $186
Collision $284
Liability $592

Full coverage includes $500 deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Accord Crosstour models.

Price Range Variability

For the normal driver, Honda Accord Crosstour insurance rates go from the low end price of $652 for minimum levels of liability insurance to the much higher price of $2,726 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than congested cities.

The example below illustrates how geographic area affects auto insurance rates.

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

The examples above show why everyone should compare prices for a specific zip code, 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.

Additional Rate Details

The chart below shows estimated Honda Accord Crosstour insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $763
  • Using higher $1,000 deductibles will save about $106 a year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,262
  • Buying pricier low deductibles for physical damage coverage will cost an additional $206 annually
  • High-risk insureds with multiple tickets or accidents could pay at least $2,726 or more
  • Policy cost that insures a 16-year-old driver for full coverage can be $5,124 or more

View Chart as Image

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

Auto insurance rates for a Honda Accord Crosstour also range considerably based on the model of your Accord Crosstour, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. Honda Accord Crosstour insurance for high-risk drivers can be from 41% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,100 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 $830 a year in states like Idaho, Maine, and Iowa, or at least $1,800 on average in Michigan, Louisiana, and New York.

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 cut rates by as much as $320 annually, whereas buying more liability protection will increase rates. Going 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

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied.

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 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.

Honda Accord Crosstour Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Honda Accord Crosstour $206 $328 $580 $1,314
2014 Honda Accord Crosstour $202 $306 $592 $1,300
2013 Honda Accord Crosstour $186 $284 $592 $1,262
2012 Honda Accord Crosstour $182 $258 $596 $1,236

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 More Affordable Honda Accord Crosstour Insurance

Finding cheaper rates on insurance for a Honda Accord Crosstour requires not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop at least every other year by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a summary of the car insurance concepts presented in the illustrations above.

  • Drivers considered higher risk who have multiple accidents or major violations pay on average $1,460 more every year for Accord Crosstour insurance
  • Drivers can save up to $140 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $300 each year
  • Insureds who may need higher liability limits will pay around $650 each year to increase from a 30/60 limit to the 250/500 level

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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