Honda Accord Crosstour Insurance Rates

The average insurance rates for a Honda Accord Crosstour are $1,236 a year for full coverage. Comprehensive insurance costs approximately $182 a year, collision costs $258, and liability coverage costs around $596. Liability-only coverage costs as low as $656 a year, with high-risk coverage costing $2,664 or more. Teen 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 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Accord Crosstour trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare prices using their specific location and risk profile, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $751
• Using higher $1,000 deductibles will save $1,134 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,236
• Choosing low $100 deductibles for physical damage coverage will cost an extra $190 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,664 or more
• Policy cost for full coverage for a teenage driver can cost $5,040 or more

View Chart as Image

Insurance rates for a Honda Accord Crosstour also range considerably based on your risk profile, the trim level of your Accord Crosstour, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Honda Accord Crosstour insurance rates. A driver around age 40 might see rates as low as $820 a year in states like Iowa, Maine, and Idaho, or as much as $1,760 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $300 a year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $537 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can be around 42% to 135% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied from one company to the next.

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 Find Low Cost Honda Accord Crosstour Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a review of the car insurance concepts touched on in the above illustrations.

• Drivers who have several accidents or serious violations may pay on average $1,430 more per year for Accord Crosstour insurance
• Drivers can save around $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $300 each year
• Consumers who purchase higher liability limits will pay about $660 each year to increase from a 30/60 limit to 250/500 limits