Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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Average auto insurance rates for a Honda CR-Z are $1,026 annually for full coverage insurance. Comprehensive costs an estimated $184 a year, collision costs $210, and liability costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing around $2,194. Teenage drivers receive the highest rates at $4,084 a year or more.

Average premium for full coverage: $1,026

Rate estimates broken down by individual coverage type:

Comprehensive $184
Collision $210
Liability $474

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and CR-Z trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from as cheap as $522 for a discount liability-only rate to a high of $2,194 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,026
High Risk $2,194

Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

Rural Areas $770
Small Cities $1,077
Large Cities $1,385

These examples illustrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of using 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.

Rates by State, City, and Model

The chart below illustrates estimated Honda CR-Z insurance rates for other coverage scenarios.

  • The best discount rate is $627
  • Using higher $1,000 deductibles will save approximately $936 each year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,026
  • Using low $100 deductibles for physical damage coverage will cost $1,194
  • Drivers who are prone to accidents and violations could pay up to $2,194 or more
  • The cost with full coverage for a teen driver can cost as much as $4,084 or more

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing full coverage Honda CR-Z insurance rates range from $627 to $4,084

Insurance rates for a Honda CR-Z can also vary considerably based on the trim level of your CR-Z, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $4,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,200 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $260 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,390 on average in Florida, New York, and Michigan.

Honda CR-Z Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $928 -$98 -9.6%
Alaska $786 -$240 -23.4%
Arizona $850 -$176 -17.2%
Arkansas $1,026 -$0 0.0%
California $1,168 $142 13.8%
Colorado $980 -$46 -4.5%
Connecticut $1,056 $30 2.9%
Delaware $1,162 $136 13.3%
Florida $1,284 $258 25.1%
Georgia $946 -$80 -7.8%
Hawaii $736 -$290 -28.3%
Idaho $692 -$334 -32.6%
Illinois $764 -$262 -25.5%
Indiana $770 -$256 -25.0%
Iowa $692 -$334 -32.6%
Kansas $974 -$52 -5.1%
Kentucky $1,398 $372 36.3%
Louisiana $1,516 $490 47.8%
Maine $634 -$392 -38.2%
Maryland $844 -$182 -17.7%
Massachusetts $822 -$204 -19.9%
Michigan $1,782 $756 73.7%
Minnesota $858 -$168 -16.4%
Mississippi $1,226 $200 19.5%
Missouri $910 -$116 -11.3%
Montana $1,102 $76 7.4%
Nebraska $808 -$218 -21.2%
Nevada $1,230 $204 19.9%
New Hampshire $736 -$290 -28.3%
New Jersey $1,146 $120 11.7%
New Mexico $908 -$118 -11.5%
New York $1,080 $54 5.3%
North Carolina $590 -$436 -42.5%
North Dakota $840 -$186 -18.1%
Ohio $706 -$320 -31.2%
Oklahoma $1,052 $26 2.5%
Oregon $938 -$88 -8.6%
Pennsylvania $980 -$46 -4.5%
Rhode Island $1,368 $342 33.3%
South Carolina $928 -$98 -9.6%
South Dakota $866 -$160 -15.6%
Tennessee $898 -$128 -12.5%
Texas $1,236 $210 20.5%
Utah $760 -$266 -25.9%
Vermont $704 -$322 -31.4%
Virginia $614 -$412 -40.2%
Washington $794 -$232 -22.6%
West Virginia $938 -$88 -8.6%
Wisconsin $710 -$316 -30.8%
Wyoming $914 -$112 -10.9%

View Chart as Image

Honda CR-Z insurance rates by U.S. city

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, so the rates can be significantly different between companies.

Honda CR-Z Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Honda CR-Z $232 $310 $460 $1,160
2011 Honda CR-Z $184 $210 $474 $1,026

Rates are averaged for all Honda CR-Z 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 Cheap Honda CR-Z Insurance

Saving money on car insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at least once a year by quoting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a brief summary of the primary concepts that were touched on above.

  • It is possible to save approximately $110 per year simply by quoting early and online
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,170 more annually for auto insurance
  • Increasing deductibles could save up to $250 each year
  • Teenage drivers are charged the highest rates, costing up to $340 per month including comprehensive and collision insurance

Rates by Driver Age

Honda CR-Z Insurance Rates by Driver Age
Driver Age Premium
16 $4,084
20 $2,322
30 $1,044
40 $1,026
50 $940
60 $920

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,194
$250 $1,118
$500 $1,026
$1,000 $936

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,026
50/100 $1,121
100/300 $1,239
250/500 $1,547
100 CSL $1,168
300 CSL $1,429
500 CSL $1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Honda CR-Z Insurance Rates for High Risk Drivers
Age Premium
16 $5,752
20 $3,700
30 $2,212
40 $2,194
50 $2,096
60 $2,072

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 $135

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $64
Paid in Full/EFT $37
Advance Quote $44
Online Quote $69
Total Discounts $399
Rate after discounts $627

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

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