Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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The average insurance prices for a Honda CR-Z are $1,062 every 12 months for full coverage. Comprehensive costs approximately $198, collision costs $228, and liability is $478. Buying just liability costs around $526 a year, with insurance for high-risk drivers costing around $2,272. Teenage drivers cost the most to insure at $4,200 a year or more.
Average premium for full coverage: $1,062
Policy rates by type of insurance:
Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all CR-Z models.
Price Range Variability
Using a 40-year-old driver as an example, Honda CR-Z insurance rates go from the cheapest price of $526 for liability-only coverage to the much higher price of $2,272 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities.
The example below illustrates how rural and urban location affects auto insurance prices.
The examples above show why everyone should compare rates quotes using their specific location and their own driving history, instead of making a decision based 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 Charts and Tables
The chart below shows estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best discount rate is $646
- Raising to $1,000 deductibles will save $98 a year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,062
- Using pricier low deductibles increases the price to $1,244
- Drivers who are prone to accidents and violations could pay around $2,272 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost $4,200
Insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driver profile, and the model of your CR-Z.
Using high physical damage deductibles can reduce rates by up to $280 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit
A more mature 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. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,800 extra every year, depending on your age. Honda CR-Z insurance for high-risk drivers is expensive and can cost from 43% to 126% more than a normal policy. View High Risk Driver Rates
Your home state also has a big influence on Honda CR-Z insurance prices. A middle-age driver might find rates as low as $700 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,520 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $960 | -$102 | -9.6% |
| Alaska | $816 | -$246 | -23.2% |
| Arizona | $882 | -$180 | -16.9% |
| Arkansas | $1,062 | -$0 | 0.0% |
| California | $1,210 | $148 | 13.9% |
| Colorado | $1,014 | -$48 | -4.5% |
| Connecticut | $1,092 | $30 | 2.8% |
| Delaware | $1,202 | $140 | 13.2% |
| Florida | $1,328 | $266 | 25.0% |
| Georgia | $980 | -$82 | -7.7% |
| Hawaii | $762 | -$300 | -28.2% |
| Idaho | $720 | -$342 | -32.2% |
| Illinois | $792 | -$270 | -25.4% |
| Indiana | $798 | -$264 | -24.9% |
| Iowa | $716 | -$346 | -32.6% |
| Kansas | $1,012 | -$50 | -4.7% |
| Kentucky | $1,450 | $388 | 36.5% |
| Louisiana | $1,570 | $508 | 47.8% |
| Maine | $656 | -$406 | -38.2% |
| Maryland | $874 | -$188 | -17.7% |
| Massachusetts | $850 | -$212 | -20.0% |
| Michigan | $1,846 | $784 | 73.8% |
| Minnesota | $890 | -$172 | -16.2% |
| Mississippi | $1,272 | $210 | 19.8% |
| Missouri | $944 | -$118 | -11.1% |
| Montana | $1,142 | $80 | 7.5% |
| Nebraska | $838 | -$224 | -21.1% |
| Nevada | $1,272 | $210 | 19.8% |
| New Hampshire | $764 | -$298 | -28.1% |
| New Jersey | $1,188 | $126 | 11.9% |
| New Mexico | $938 | -$124 | -11.7% |
| New York | $1,118 | $56 | 5.3% |
| North Carolina | $612 | -$450 | -42.4% |
| North Dakota | $870 | -$192 | -18.1% |
| Ohio | $734 | -$328 | -30.9% |
| Oklahoma | $1,090 | $28 | 2.6% |
| Oregon | $972 | -$90 | -8.5% |
| Pennsylvania | $1,014 | -$48 | -4.5% |
| Rhode Island | $1,418 | $356 | 33.5% |
| South Carolina | $962 | -$100 | -9.4% |
| South Dakota | $896 | -$166 | -15.6% |
| Tennessee | $930 | -$132 | -12.4% |
| Texas | $1,282 | $220 | 20.7% |
| Utah | $788 | -$274 | -25.8% |
| Vermont | $726 | -$336 | -31.6% |
| Virginia | $636 | -$426 | -40.1% |
| Washington | $820 | -$242 | -22.8% |
| West Virginia | $974 | -$88 | -8.3% |
| Wisconsin | $734 | -$328 | -30.9% |
| Wyoming | $948 | -$114 | -10.7% |
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $248 | $338 | $460 | $1,204 |
| 2011 Honda CR-Z | $198 | $228 | $478 | $1,062 |
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 the Best Honda CR-Z Insurance
Finding cheaper rates on insurance for a Honda CR-Z consists of not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.
The following is a brief recap of the data raised in the charts and tables above.
- Insureds who purchase higher liability limits will pay an extra $530 each year to raise from a 30/60 limit to a 250/500 level
- Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $275 each year
- Teens are expensive to insure, costing up to $350 each month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,200 |
| 20 | $2,406 |
| 30 | $1,084 |
| 40 | $1,062 |
| 50 | $976 |
| 60 | $952 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,244 |
| $250 | $1,162 |
| $500 | $1,062 |
| $1,000 | $964 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,062 |
| 50/100 | $1,158 |
| 100/300 | $1,277 |
| 250/500 | $1,588 |
| 100 CSL | $1,205 |
| 300 CSL | $1,468 |
| 500 CSL | $1,660 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,924 |
| 20 | $3,832 |
| 30 | $2,296 |
| 40 | $2,272 |
| 50 | $2,172 |
| 60 | $2,148 |
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 | $54 |
| Multi-vehicle | $56 |
| Homeowner | $19 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $39 |
| Advance Quote | $46 |
| Online Quote | $72 |
| Total Discounts | $416 |
Discounts are estimated and may not be available from every company or in every state.
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