Honda Accord Crosstour Insurance Rates

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UPDATED: Mar 31, 2024

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Estimated insurance prices for a Honda Accord Crosstour are $1,236 every 12 months for full coverage. Comprehensive insurance costs an estimated $182 each year, collision insurance costs $258, and liability coverage 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 broken down by type of coverage:

Comprehensive $182
Collision $258
Liability $596

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Accord Crosstour models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Honda Accord Crosstour range from the cheapest price of $656 for your basic liability-only policy to a high rate of $2,664 for a driver who requires high-risk insurance.

Liability Only $656
Full Coverage $1,236
High Risk $2,664

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects insurance prices.

Rural Areas $927
Small Cities $1,298
Large Cities $1,669

These rate differences show why all drivers should compare rates quotes for a targeted area and their own driving history, rather than using 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.

More Rate Information

The chart below shows average Honda Accord Crosstour insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $751
  • Raising to $1,000 deductibles will save approximately $102 a year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,236
  • Selecting low deductibles costs an extra $190 each year
  • Unlucky drivers with serious driving violations could pay up to $2,664
  • An auto insurance policy to insure a teenage driver can cost as much as $5,040

View Chart as Image

Honda Accord Crosstour insurance cost comparison chart
Column chart showing Honda Accord Crosstour insurance prices range from $751 to $5,040 for full coverage

Insurance prices for a Honda Accord Crosstour also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $300 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $537 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $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 excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,100 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 135% more than the average policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda Accord Crosstour insurance rates. A middle-age driver might find prices as low as $820 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,760 on average in New York, Louisiana, and Michigan.

Honda Accord Crosstour Insurance Rates by State
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%

View Chart as Image

Honda Accord Crosstour insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Honda Accord Crosstour Insurance Rates by Model and Trim Level
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.

Honda Accord Crosstour Insurance Rates by Model Year
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 Shop for Affordable Honda Accord Crosstour Insurance

Finding better rates on auto insurance consists of avoiding accidents and claims, having above-average credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every other renewal by getting quotes from direct carriers, and also from several local insurance agents.

The points below are a brief review of the concepts that were raised in the charts and tables above.

  • Drivers with DUI or reckless driving convictions pay on average $1,430 more annually to insure a Honda Accord Crosstour
  • Drivers under the age of 20 are expensive to insure, as much as $420 per month if full coverage is included
  • Drivers can save approximately $140 per year just by quoting online in advance
  • Increasing policy deductibles could save as much as $300 each year
  • Drivers can save approximately $140 per year just by quoting online in advance

Rates by Driver Age

Honda Accord Crosstour Insurance 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

Honda Accord Crosstour Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,426
$250 $1,340
$500 $1,236
$1,000 $1,134

Full coverage, driver age 40

Rates by Liability Limit

Honda Accord Crosstour Insurance Rates with Different Liability Limits
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

Honda Accord Crosstour Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $751

Discounts are estimated and may not be available from every company or in every state.

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