Honda Accord Crosstour Insurance Rates

The average auto insurance rates for a Honda Accord Crosstour are $1,236 annually including full coverage. Comprehensive insurance costs approximately $182 a year, collision costs $258, and liability coverage is $596. Buying just liability costs around $656 a year, with insurance for high-risk drivers costing $2,664 or more. Teenage drivers cost the most to insure at $5,040 a year or more.

Average premium for full coverage: $1,236

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Accord Crosstour trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Honda Accord Crosstour insurance rates for additional coverage and risk scenarios.

• The best discount rate is $751
• Raising to $1,000 deductibles will save $1,134 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,236
• Using low $100 deductibles costs an additional $190 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,664 or more
• Policy cost with full coverage for a teenage driver can cost $5,040

View Chart as Image

Insurance rates for a Honda Accord Crosstour also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $300 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $537 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda Accord Crosstour insurance rates. A middle-age driver might find rates as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,760 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy Low Cost Honda Accord Crosstour Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the data covered above.

• Consumers who purchase more liability coverage will pay an extra $660 per year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save around $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $300 each year
• Teen drivers are expensive to insure, with premiums being up to $420 each month including comprehensive and collision insurance