Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $1,062 a year with full coverage. Comprehensive insurance costs approximately $198, collision insurance costs $228, and liability costs around $478. A liability-only policy costs as low as $526 a year, and high-risk insurance costs $2,272 or more. 16-year-old drivers cost the most to insure at up to $4,200 a year.

Average premium for full coverage: $1,062

Policy rates by type of insurance:

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below details average Honda CR-Z insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $646
• Using higher $1,000 deductibles will save $98 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,062
• Buying pricier low deductibles for physical damage coverage will cost an additional $182 every year
• Drivers with multiple tickets or accidents could pay around $2,272
• Policy cost that insures a teen driver for full coverage can cost $4,200 or more

View Chart as Image

Car insurance rates for a Honda CR-Z also range considerably based on the model of your CR-Z, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,200 to $1,800 extra every year, depending on your age. Honda CR-Z insurance for high-risk drivers can be as much as 43% to 126% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,000 a year, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,200 a year. View Rates by Age

Your home state has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Utah, Ohio, and New Hampshire, or at least $1,440 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $280 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Honda CR-Z Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Comparison shop every other policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

Below is a quick review of the ideas that were covered above.

• Teenage drivers pay the highest auto insurance rates, as much as $350 each month if full coverage is purchased
• Higher risk drivers with a DUI or reckless driving violation may have to pay on average $1,210 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save approximately $275 each year
• You may be able to save around $120 per year just by quoting online well ahead of the renewal date