Honda CR-Z Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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U.S. average auto insurance rates for a Honda CR-Z are $996 annually for full coverage insurance. Comprehensive costs on average $174, collision costs $190, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,128. Teenage drivers pay the highest rates at $3,994 a year or more.
Average premium for full coverage: $996
Price estimates by individual coverage:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different CR-Z trim levels.
Price Range from Low to High
For the normal driver, Honda CR-Z insurance prices go from as cheap as $522 for just the minimum liability insurance to a much higher rate of $2,128 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a significant impact on insurance rates. Rural areas have fewer physical damage claims than densely populated cities.
The price range example below illustrates how geographic area affects car insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location 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.
Additional Rate Analysis
The chart below illustrates estimated Honda CR-Z insurance rates for different risk profiles and scenarios.
- The best discount rate is $611
- Using higher $1,000 deductibles will save around $84 each year
- The estimated rate for the average middle-age driver with $500 deductibles is $996
- Using more expensive low deductibles for physical damage coverage will cost $1,152
- Drivers who are prone to accidents and violations could pay upwards of $2,128 or more
- The price with full coverage for a teen driver with full coverage may cost $3,994 or more
Car insurance prices for a Honda CR-Z are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $3,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 extra each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $240 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Honda CR-Z insurance rates. A driver around age 40 might see prices as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,350 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$96 | -9.6% |
| Alaska | $762 | -$234 | -23.5% |
| Arizona | $826 | -$170 | -17.1% |
| Arkansas | $996 | -$0 | 0.0% |
| California | $1,134 | $138 | 13.9% |
| Colorado | $952 | -$44 | -4.4% |
| Connecticut | $1,024 | $28 | 2.8% |
| Delaware | $1,128 | $132 | 13.3% |
| Florida | $1,246 | $250 | 25.1% |
| Georgia | $918 | -$78 | -7.8% |
| Hawaii | $714 | -$282 | -28.3% |
| Idaho | $672 | -$324 | -32.5% |
| Illinois | $742 | -$254 | -25.5% |
| Indiana | $748 | -$248 | -24.9% |
| Iowa | $670 | -$326 | -32.7% |
| Kansas | $946 | -$50 | -5.0% |
| Kentucky | $1,358 | $362 | 36.3% |
| Louisiana | $1,472 | $476 | 47.8% |
| Maine | $614 | -$382 | -38.4% |
| Maryland | $818 | -$178 | -17.9% |
| Massachusetts | $796 | -$200 | -20.1% |
| Michigan | $1,728 | $732 | 73.5% |
| Minnesota | $832 | -$164 | -16.5% |
| Mississippi | $1,192 | $196 | 19.7% |
| Missouri | $882 | -$114 | -11.4% |
| Montana | $1,068 | $72 | 7.2% |
| Nebraska | $784 | -$212 | -21.3% |
| Nevada | $1,194 | $198 | 19.9% |
| New Hampshire | $716 | -$280 | -28.1% |
| New Jersey | $1,112 | $116 | 11.6% |
| New Mexico | $882 | -$114 | -11.4% |
| New York | $1,048 | $52 | 5.2% |
| North Carolina | $574 | -$422 | -42.4% |
| North Dakota | $816 | -$180 | -18.1% |
| Ohio | $688 | -$308 | -30.9% |
| Oklahoma | $1,024 | $28 | 2.8% |
| Oregon | $910 | -$86 | -8.6% |
| Pennsylvania | $952 | -$44 | -4.4% |
| Rhode Island | $1,326 | $330 | 33.1% |
| South Carolina | $900 | -$96 | -9.6% |
| South Dakota | $840 | -$156 | -15.7% |
| Tennessee | $872 | -$124 | -12.4% |
| Texas | $1,198 | $202 | 20.3% |
| Utah | $736 | -$260 | -26.1% |
| Vermont | $682 | -$314 | -31.5% |
| Virginia | $596 | -$400 | -40.2% |
| Washington | $770 | -$226 | -22.7% |
| West Virginia | $910 | -$86 | -8.6% |
| Wisconsin | $690 | -$306 | -30.7% |
| Wyoming | $888 | -$108 | -10.8% |
Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $224 | $292 | $464 | $1,138 |
| 2011 Honda CR-Z | $174 | $190 | $474 | $996 |
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 Affordable Honda CR-Z Insurance
Getting lower rates on Honda CR-Z insurance requires being a safe and courteous driver, having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a brief review of the ideas that were presented in the illustrations above.
- Teenage drivers are expensive to insure, as much as $333 a month if comprehensive and collision insurance is included
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,130 more each year for auto insurance
- Increasing physical damage deductibles could save up to $250 each year
- It is possible to save as much as $110 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,994 |
| 20 | $2,254 |
| 30 | $1,010 |
| 40 | $996 |
| 50 | $912 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,152 |
| $250 | $1,080 |
| $500 | $996 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $996 |
| 50/100 | $1,091 |
| 100/300 | $1,209 |
| 250/500 | $1,517 |
| 100 CSL | $1,138 |
| 300 CSL | $1,399 |
| 500 CSL | $1,589 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,616 |
| 20 | $3,592 |
| 30 | $2,144 |
| 40 | $2,128 |
| 50 | $2,034 |
| 60 | $2,012 |
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 | $50 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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