Honda Crosstour Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Honda Crosstour is more expensive to insure than the average SUV.

• Liability auto insurance for a Crosstour comes in at around $97 per month, while full coverage typically tends to be about $160.

• The lowest car insurance carrier for a Crosstour is American Family, who offers liability only coverage for as little as $22 monthly, on average.

Crosstour Overview

With a base price of just $27,530 for 2015 models, the Honda Crosstour is a great SUV for all budgets. You'll have your choice of two different trim levels, so every driver can find an option to match their style.

After analyzing thousands of insurance quotes through Compare.com, we've found that Honda Crosstour car insurance premiums are around $148 a month, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Honda Crosstour?

If you look at the table above, you'll see that Honda Crosstour insurance rates are right about average compared to other vehicles on the road. Crosstour owners can expect to pay around $160 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $97 per month for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other models from Honda, the Crosstour's insurance price is on par with the rest of the company's vehicle lineup. But Crosstour coverage is above average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging more expensive prices than other SUVs.

When compared to all vehicles, regardless of model, make, or body style, the Crosstour has higher rates than average for both liability only and full coverage auto insurance.

Who has the Cheapest Car Insurance for a Honda Crosstour?

Are you searching for a car insurance policy for your Honda Crosstour? You might be wondering which company offers the most affordable rates. Although there will never be one carrier that offers the most affordable premiums for everyone, the cheapest average rates for liability only insurance are sometimes as low as $22 a month from American Family. With car insurance as cheap as $28 per month, FirstChicago is the next lowest insurance company.

Finishing off the rest of the top 5 are StateAuto, MetroMile, and Sun Coast. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Honda Crosstour.

After all, your results might be different, since car insurance carriers look at a variety of different factors when calculating rates. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from many auto insurance companies.

What Factors Affect Car Insurance Rates for a Honda Crosstour?

There are a wide array of things that insurance carriers look at to determine how much to charge for car insurance -- and every carrier weighs certain factors more than others, so there's not one single company that's the most affordable for each driver.

The sections below show a whole bunch of variables auto insurance companies use to calculate rates:

Vehicle Age

The Honda Crosstour has been around for a while, so vehicle age may play a role in what you end up paying for insurance. Generally, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually decrease.

A new Honda Crosstour model hasn't been added to the market for over 5 years, so the Crosstour won't really fit this trend. However, as you can see in the table above, the most expensive Honda Crosstours to insure are those that are 8 to 10 years old, while the cheapest models are Crosstours that are 2 to 3 years old, on average.

Your Age

Age is another variable that makes a big difference in how much you pay for auto insurance. Based on the information above, those who have more experience on the road have more affordable prices.

Car insurance prices continue to get lower as you get older, with drivers aged 65 years and older making up the cheapest age group for the Crosstour.

Your Gender

Because women are less likely to get speeding tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, women generally pay less for car insurance than men. Surprisingly, for Crosstour drivers, this trend does not hold, and women pay more for their insurance than men.

Where You Live

You're probably already aware that factors such as how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live can have just as much as an impact. Because auto insurance is regulated on the state level and not nationally, rates change quite a bit depending on where you live.

For example, the average Honda Crosstour owner from New York pays about $140 monthly for liability coverage, while on average, the same driver in California will pay less than 50% of that price. The table above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

Honda Crosstour Car Insurance Discounts

No matter your car, your home state, or your age, using as many discounts as possible when it comes to your insurance policy is always a good idea.

While no two car insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same insurance carrier
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who agree to pay their entire policy premium at once, rather than by monthly payments
• Multi-vehicle discounts for insuring more than one of your cars with the same company

These discounts are great, but sometimes, it's actually your driving history and insurance profile that get you the most affordable rates.

While you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), you do have a say over some of it. Below are just a few of the ones you can use to your advantage in order to save money on insurance:

Your Driving Record

You've no doubt observed ads from auto insurance companies offering large discounts for safe drivers. It makes sense that your insurance rates will get higher if you get cited for speeding or get into an accident. But you're probably wondering exactly how much these infractions can cost you.

Looking at the table above, you'll notice that accidents will usually cost Crosstour drivers more than tickets, but both will result in higher than average rates. Honda Crosstour drivers with one accident on their record pay an average of $127 per month (up $30 from the $97/mo. overall average), while drivers with a single ticket will pay about $116 per month. The rates only go up the more tickets you get or collisions you have.

How Much You Drive

How much you drive each year impacts your car insurance prices. Those who are on the roads less often are less likely to get into collisions, so they'll normally get lower premiums. Based on the table above, you can see that Honda Crosstour owners who drive fewer than 2,500 miles every year pay an average of $61 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $83.

If you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile car insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

How Do Honda Crosstours Compare to Other Vehicles?

If you're considering making a Honda Crosstour your next SUV, you might want to know how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

Take a look at the table below to see how the Honda Crosstour stacks up:

With an MSRP that's a quarter less than the going rate for a new vehicle, the Honda Crosstour is a great value when it comes to price. The Crosstour goes for $27,530, which is quite a bit lower than the national average vehicle price of $40,104. And since there hasn't been a new Crosstour model on the market in the last few years, used prices will be even cheaper.

Similarly, insurance rates run below average when compared to other vehicles on the market. Full coverage insurance for a Honda Crosstour is around $12 a month cheaper than average, while liability only coverage is $9 cheaper monthly.

When it comes to usage, Honda Crosstour drivers are far from the national average in annual miles driven, with 11,673 miles each year for all vehicles compared to the Crosstour's 15,392 a year.

Honda Crosstour Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on how much the average driver pays to insure a Honda Crosstour. But if you're thinking about buying a new vehicle and the Crosstour is one you're considering, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options.

So we've crunched the numbers and broken down Honda Crosstour auto insurance prices by model year. Choose a specific Crosstour model year in the dropdown below and see average rates for both liability only and full coverage. We've also included some other helpful info that might help you make a decision, like the base MSRP, who offers the lowest policies, which trim levels are offered for each Crosstour model year.

2015 Honda Crosstour Car Insurance

The average cost to insure a 2015 Crosstour with liability only coverage is $72 a month, while full coverage runs about $157 per month.

Looking for the most affordable policy? Mercury offered liability only coverage for as low as just $38 monthly.

If you want to know exactly how much you can expect to pay for your Crosstour, just enter your ZIP code below and get several free quotes in minutes.

2014 Honda Crosstour Car Insurance

It costs around $76 per month for liability or $149 for a full coverage policy for the 2014 Honda Crosstour.

Mercury offered the cheapest policy we found, with rates as little as just $22 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

2013 Honda Crosstour Car Insurance

You can expect full coverage for a 2013 Crosstour to run about $141 monthly, while liability only coverage will average around $67 per month.

With rates as low as $22 a month, Shelter Mutual offered the lowest policy we found.

What could your insurance premium look like? Enter your ZIP code below to get several customized quotes for free.

2012 Honda Crosstour Car Insurance

2012 Honda Crosstour drivers can expect to pay an average of $118 monthly for liability or $177 for full coverage.

With premiums as cheap as just $22 per month, American Family offered the cheapest policy we found for the 2012 Honda Crosstour.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

Honda Crosstour Insurance FAQs

Is a Honda Crosstour expensive to insure?

Liability insurance runs an average of $97 a month, while full coverage will cost you around $160. The Honda Crosstour is relatively expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Honda Crosstour?

The only way to be sure you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from a variety of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a lot of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Honda Crosstour affect my insurance premiums?

You might have heard the old adage that red cars cost more to insure than cars of other colors, but that's simply not true. Even though there are multiple variables auto insurance carriers use when they decide your car insurance price, the color of your car is not used to make that determination.

Do I need to have insurance before I buy a Honda Crosstour?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you a car insurance policy as part of the buying process, but the easiest thing to do is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Honda Crosstour?

There are a variety of discounts out there when it comes to auto insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are based less on your Honda Crosstour and more on you, but if your Crosstour has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out is to get in touch with your insurance company and ask about their discounts.