Honda Accord Crosstour Insurance Rates
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UPDATED: Mar 31, 2024
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Average auto insurance rates for a Honda Accord Crosstour are $1,300 annually for full coverage insurance. Comprehensive insurance costs an estimated $202, collision insurance costs $306, and liability insurance is $592. A liability-only policy costs around $652 a year, and high-risk insurance costs $2,802 or more. Teenage drivers receive the highest rates at up to $5,232 a year.
Average premium for full coverage: $1,300
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Accord Crosstour models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $652 for your basic liability-only policy to the much higher price of $2,802 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities. The example below illustrates how your location can change insurance prices.
These examples illustrate why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying 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.
More Rate Information
The chart below illustrates average Honda Accord Crosstour insurance rates for other coverage scenarios.
- The best discount rate is $783
- Raising to $1,000 deductibles will save approximately $116 each year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,300
- Using pricier low deductibles costs an additional $220 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,802
- The cost with full coverage for a teen driver for full coverage can cost as much as $5,232
Insurance rates for a Honda Accord Crosstour can also vary considerably based on the trim level of your Accord Crosstour, your risk profile, and liability limits and deductibles.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying $1,500 to $2,200 extra per year, depending on your age. Honda Accord Crosstour insurance for high-risk drivers is expensive and can cost anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce rates by up to $340 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $533 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Honda Accord Crosstour insurance rates. A middle-age driver might find rates as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,172 | -$128 | -9.8% |
| Alaska | $994 | -$306 | -23.5% |
| Arizona | $1,076 | -$224 | -17.2% |
| Arkansas | $1,300 | -$0 | 0.0% |
| California | $1,478 | $178 | 13.7% |
| Colorado | $1,238 | -$62 | -4.8% |
| Connecticut | $1,334 | $34 | 2.6% |
| Delaware | $1,468 | $168 | 12.9% |
| Florida | $1,622 | $322 | 24.8% |
| Georgia | $1,196 | -$104 | -8.0% |
| Hawaii | $930 | -$370 | -28.5% |
| Idaho | $878 | -$422 | -32.5% |
| Illinois | $966 | -$334 | -25.7% |
| Indiana | $978 | -$322 | -24.8% |
| Iowa | $878 | -$422 | -32.5% |
| Kansas | $1,232 | -$68 | -5.2% |
| Kentucky | $1,768 | $468 | 36.0% |
| Louisiana | $1,920 | $620 | 47.7% |
| Maine | $800 | -$500 | -38.5% |
| Maryland | $1,070 | -$230 | -17.7% |
| Massachusetts | $1,036 | -$264 | -20.3% |
| Michigan | $2,252 | $952 | 73.2% |
| Minnesota | $1,088 | -$212 | -16.3% |
| Mississippi | $1,554 | $254 | 19.5% |
| Missouri | $1,152 | -$148 | -11.4% |
| Montana | $1,396 | $96 | 7.4% |
| Nebraska | $1,022 | -$278 | -21.4% |
| Nevada | $1,556 | $256 | 19.7% |
| New Hampshire | $934 | -$366 | -28.2% |
| New Jersey | $1,450 | $150 | 11.5% |
| New Mexico | $1,148 | -$152 | -11.7% |
| New York | $1,364 | $64 | 4.9% |
| North Carolina | $746 | -$554 | -42.6% |
| North Dakota | $1,064 | -$236 | -18.2% |
| Ohio | $896 | -$404 | -31.1% |
| Oklahoma | $1,332 | $32 | 2.5% |
| Oregon | $1,190 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$62 | -4.8% |
| Rhode Island | $1,732 | $432 | 33.2% |
| South Carolina | $1,174 | -$126 | -9.7% |
| South Dakota | $1,094 | -$206 | -15.8% |
| Tennessee | $1,136 | -$164 | -12.6% |
| Texas | $1,564 | $264 | 20.3% |
| Utah | $962 | -$338 | -26.0% |
| Vermont | $886 | -$414 | -31.8% |
| Virginia | $778 | -$522 | -40.2% |
| Washington | $1,002 | -$298 | -22.9% |
| West Virginia | $1,190 | -$110 | -8.5% |
| Wisconsin | $900 | -$400 | -30.8% |
| Wyoming | $1,156 | -$144 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Honda Accord Crosstour EX 2WD | $1,248 | $104 |
| Honda Accord Crosstour EX-L 2WD | $1,274 | $106 |
| Honda Accord Crosstour EX-L 4WD | $1,300 | $108 |
| Honda Accord Crosstour EX-L Navigation 2WD | $1,300 | $108 |
| Honda Accord Crosstour EX-L Navigation 4WD | $1,324 | $110 |
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 | $214 | $350 | $574 | $1,338 |
| 2014 Honda Accord Crosstour | $206 | $328 | $580 | $1,314 |
| 2013 Honda Accord Crosstour | $202 | $306 | $592 | $1,300 |
| 2012 Honda Accord Crosstour | $186 | $284 | $592 | $1,262 |
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 Honda Accord Crosstour Insurance
Saving money on Honda Accord Crosstour insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a brief recap of the data illustrated above.
- Drivers who want increased liability limits will pay an extra $650 annually to raise from a minimum limit to higher 250/500 limits
- It is possible to save approximately $150 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $325 each year
- Drivers under the age of 20 are charged the highest rates, costing up to $436 per month including comprehensive and collision insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,232 |
| 20 | $2,988 |
| 30 | $1,320 |
| 40 | $1,300 |
| 50 | $1,192 |
| 60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,520 |
| $250 | $1,418 |
| $500 | $1,300 |
| $1,000 | $1,184 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,300 |
| 50/100 | $1,442 |
| 100/300 | $1,590 |
| 250/500 | $1,975 |
| 100 CSL | $1,502 |
| 300 CSL | $1,827 |
| 500 CSL | $2,064 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,380 |
| 20 | $4,762 |
| 30 | $2,830 |
| 40 | $2,802 |
| 50 | $2,682 |
| 60 | $2,652 |
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 | $66 |
| Multi-vehicle | $71 |
| Homeowner | $23 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $48 |
| Advance Quote | $58 |
| Online Quote | $88 |
| Total Discounts | $517 |
Discounts are estimated and may not be available from every company or in every state.
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