Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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Estimated insurance prices for a Honda CR-Z are $1,026 every 12 months for full coverage. Comprehensive insurance costs around $184, collision costs $210, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,194 or more. Teen drivers pay the most at $4,084 a year or more.

Average premium for full coverage: $1,026

Premium estimates for type of coverage:

Comprehensive $184
Collision $210
Liability $474

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all states and for different CR-Z trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Honda CR-Z go from the cheapest price of $522 for the bare minimum liability coverage to a much higher rate of $2,194 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than larger metro areas.

The price range example below illustrates how where you live affects auto insurance rates.

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

These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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 Rate Information

The chart below shows estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $627
  • Raising to $1,000 deductibles will save about $90 a year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,026
  • Choosing more expensive low deductibles costs an extra $168 annually
  • Drivers with multiple violations and an at-fault accident could pay at least $2,194 or more
  • An auto insurance policy to insure a 16-year-old driver with full coverage can be $4,084

View Chart as Image

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

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

Choosing high deductibles can reduce prices by up to $260 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 130% more than average. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda CR-Z insurance prices. A middle-age driver might find prices as low as $680 a year in states like Idaho, Maine, and Iowa, or as much as $1,460 on average in Michigan, Louisiana, and New York.

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 such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.

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 Shop for Cheap Honda CR-Z Insurance

Finding better rates on insurance for a Honda CR-Z consists of being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every year by requesting rates from direct carriers, and also from local exclusive and independent agents.

The items below are a brief summary of the coverage data touched on in the above illustrations.

  • Drivers can save up to $110 per year simply by shopping early and online
  • Increasing policy deductibles could save as much as $250 each year
  • Teen drivers pay higher prices, as much as $340 per month if they have full coverage
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,170 more every year to insure their CR-Z

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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