Honda Accord Crosstour Insurance Rates
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Michelle Robbins
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UPDATED: Mar 31, 2024
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Estimated insurance rates for a Honda Accord Crosstour are $1,236 a year for full coverage insurance. Comprehensive insurance costs around $182, collision insurance costs $258, and liability is $596. Liability-only insurance costs around $656 a year, and high-risk driver insurance costs $2,664 or more. Teens pay the most at up to $5,040 a year.
Average premium for full coverage: $1,236
Premium estimates for type of coverage:
Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Accord Crosstour models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Honda Accord Crosstour range from the low end price of $656 for a discount liability-only rate to the much higher price of $2,664 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance rates.
These rate differences illustrate why everyone should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates average Honda Accord Crosstour insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $751
- Raising to $1,000 deductibles will save about $102 each year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,236
- Selecting pricier low deductibles will cost an additional $190 annually
- Drivers with serious driving violations could pay at least $2,664
- An auto insurance policy that insures a 16-year-old driver for full coverage can be $5,040
Insurance prices for a Honda Accord Crosstour also have a wide range based on the model of your Accord Crosstour, your age and driving record, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are probably paying at least $1,500 to $2,100 additional annually, depending on your age. Honda Accord Crosstour insurance for high-risk drivers is expensive and can cost from 42% to 135% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age
Where you choose to live also has a big influence on Honda Accord Crosstour insurance prices. A middle-age driver might find prices as low as $810 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,670 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,116 | -$120 | -9.7% |
| Alaska | $948 | -$288 | -23.3% |
| Arizona | $1,026 | -$210 | -17.0% |
| Arkansas | $1,236 | -$0 | 0.0% |
| California | $1,408 | $172 | 13.9% |
| Colorado | $1,180 | -$56 | -4.5% |
| Connecticut | $1,268 | $32 | 2.6% |
| Delaware | $1,400 | $164 | 13.3% |
| Florida | $1,544 | $308 | 24.9% |
| Georgia | $1,140 | -$96 | -7.8% |
| Hawaii | $884 | -$352 | -28.5% |
| Idaho | $838 | -$398 | -32.2% |
| Illinois | $920 | -$316 | -25.6% |
| Indiana | $932 | -$304 | -24.6% |
| Iowa | $836 | -$400 | -32.4% |
| Kansas | $1,170 | -$66 | -5.3% |
| Kentucky | $1,684 | $448 | 36.2% |
| Louisiana | $1,830 | $594 | 48.1% |
| Maine | $762 | -$474 | -38.3% |
| Maryland | $1,018 | -$218 | -17.6% |
| Massachusetts | $986 | -$250 | -20.2% |
| Michigan | $2,144 | $908 | 73.5% |
| Minnesota | $1,034 | -$202 | -16.3% |
| Mississippi | $1,478 | $242 | 19.6% |
| Missouri | $1,096 | -$140 | -11.3% |
| Montana | $1,328 | $92 | 7.4% |
| Nebraska | $972 | -$264 | -21.4% |
| Nevada | $1,480 | $244 | 19.7% |
| New Hampshire | $890 | -$346 | -28.0% |
| New Jersey | $1,380 | $144 | 11.7% |
| New Mexico | $1,094 | -$142 | -11.5% |
| New York | $1,298 | $62 | 5.0% |
| North Carolina | $710 | -$526 | -42.6% |
| North Dakota | $1,010 | -$226 | -18.3% |
| Ohio | $854 | -$382 | -30.9% |
| Oklahoma | $1,266 | $30 | 2.4% |
| Oregon | $1,130 | -$106 | -8.6% |
| Pennsylvania | $1,180 | -$56 | -4.5% |
| Rhode Island | $1,648 | $412 | 33.3% |
| South Carolina | $1,118 | -$118 | -9.5% |
| South Dakota | $1,044 | -$192 | -15.5% |
| Tennessee | $1,082 | -$154 | -12.5% |
| Texas | $1,488 | $252 | 20.4% |
| Utah | $914 | -$322 | -26.1% |
| Vermont | $844 | -$392 | -31.7% |
| Virginia | $740 | -$496 | -40.1% |
| Washington | $952 | -$284 | -23.0% |
| West Virginia | $1,132 | -$104 | -8.4% |
| Wisconsin | $856 | -$380 | -30.7% |
| Wyoming | $1,102 | -$134 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $537 more each 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 | $1,190 | $99 |
| Honda Accord Crosstour EX-L 2WD | $1,214 | $101 |
| Honda Accord Crosstour EX-L 4WD | $1,236 | $103 |
| Honda Accord Crosstour EX-L Navigation 2WD | $1,236 | $103 |
| Honda Accord Crosstour EX-L Navigation 4WD | $1,258 | $105 |
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 | $202 | $306 | $592 | $1,300 |
| 2014 Honda Accord Crosstour | $186 | $284 | $592 | $1,262 |
| 2013 Honda Accord Crosstour | $182 | $258 | $596 | $1,236 |
| 2012 Honda Accord Crosstour | $170 | $236 | $592 | $1,198 |
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 Best Cheap Honda Accord Crosstour Insurance
Finding better rates on insurance for a Honda Accord Crosstour consists of having a good driving record, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates at least once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The next list is a quick review of the primary concepts that were covered in the charts and tables above.
- It is possible to save up to $140 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,430 more every year to buy Honda Accord Crosstour insurance
- Increasing policy deductibles can save approximately $300 each year
- Drivers age 20 and younger are charged the highest prices, with premiums being up to $420 per month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,040 |
| 20 | $2,838 |
| 30 | $1,252 |
| 40 | $1,236 |
| 50 | $1,134 |
| 60 | $1,110 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,426 |
| $250 | $1,340 |
| $500 | $1,236 |
| $1,000 | $1,134 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,236 |
| 50/100 | $1,377 |
| 100/300 | $1,526 |
| 250/500 | $1,914 |
| 100 CSL | $1,437 |
| 300 CSL | $1,765 |
| 500 CSL | $2,003 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,098 |
| 20 | $4,526 |
| 30 | $2,684 |
| 40 | $2,664 |
| 50 | $2,550 |
| 60 | $2,522 |
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 | $62 |
| Multi-vehicle | $68 |
| Homeowner | $22 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $44 |
| Advance Quote | $54 |
| Online Quote | $83 |
| Total Discounts | $485 |
Discounts are estimated and may not be available from every company or in every state.
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