Honda Accord Crosstour Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 31, 2024
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U.S. average insurance prices for a Honda Accord Crosstour are $1,262 every 12 months with full coverage. Comprehensive costs around $186, collision costs $284, and liability insurance is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,726. Teen drivers pay the highest rates at $5,124 a year or more.
Average premium for full coverage: $1,262
Price estimates for individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Accord Crosstour trim levels.
Price Range from Low to High
For an average driver, Honda Accord Crosstour insurance prices go from the cheapest price of $652 for just the minimum liability insurance to a much higher rate of $2,726 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on price 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 choices and driver risks.
- The lowest rate with discounts is $763
- Raising to $1,000 deductibles will save about $106 annually
- The average price for the average middle-age driver using $500 deductibles is $1,262
- Choosing more expensive low deductibles increases the price to $1,468
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,726 or more
- The price to insure a teen driver with full coverage can be $5,124
Car insurance prices for a Honda Accord Crosstour are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.
Choosing high deductibles can reduce prices by up to $320 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $533 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $5,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 132% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Honda Accord Crosstour insurance rates. A middle-age driver might find prices as low as $910 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,700 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for the Right Honda Accord Crosstour Insurance
Getting lower rates on Honda Accord Crosstour insurance consists of having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a quick rundown of the concepts that were covered in the above illustrations.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,460 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, costing up to $427 a month if the policy includes full coverage
- You may be able to save up to $140 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $300 each year
- You may be able to save up to $140 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,468 |
| $250 | $1,374 |
| $500 | $1,262 |
| $1,000 | $1,156 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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