Honda Accord Crosstour Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 31, 2024
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U.S. average auto insurance rates for a Honda Accord Crosstour are $1,262 annually for full coverage. Comprehensive insurance costs around $186, collision costs $284, and liability costs $592. Buying just liability costs as little as $652 a year, with insurance for high-risk drivers costing $2,726 or more. Teenage drivers pay the highest rates at $5,124 a year or more.
Average premium for full coverage: $1,262
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different Accord Crosstour trim levels.
Price Range from Low to High
For a driver around age 40, Honda Accord Crosstour insurance prices go from as cheap as $652 for liability-only coverage to a much higher rate of $2,726 for a driver who requires high-risk insurance.
Geographic Price Range
Your location can make a big difference on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.
The price range example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.
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 Charts and Tables
The chart below shows estimated Honda Accord Crosstour insurance rates for additional coverage choices and driver risks.
- The best discount rate is $763
- Drivers who choose higher $1,000 deductibles will pay about $106 a year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,262
- Using more expensive low deductibles for comprehensive and collision insurance costs an additional $206 annually
- Drivers who are prone to accidents and violations could pay at least $2,726 or more
- The price with full coverage for a 16-year-old driver with full coverage can be $5,124 a year
Insurance prices for a Honda Accord Crosstour are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at least $1,500 to $2,100 additional each year, depending on your age. High-risk driver insurance can cost from 41% to 132% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $320 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $533 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Honda Accord Crosstour insurance prices. A 40-year-old driver could pay as low as $830 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,800 on average in Michigan, Louisiana, 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 only way to know your exact price is to compare prices from multiple companies. Every company uses a different method to calculate prices, and prices may be quite different between companies.
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 Buy the Best Cheap Honda Accord Crosstour Insurance
Getting lower rates on insurance for a Honda Accord Crosstour not only requires being a good driver, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a quick review of the concepts that were covered above.
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,460 more every year than a safer driver
- Drivers age 16 to 20 are charged the highest prices, with premiums as much as $427 a month if they have full coverage
- Drivers can save up to $140 per year simply by shopping early and online
- Increasing physical damage deductibles could save up to $300 each year
- Drivers can 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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