Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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U.S. average auto insurance rates for a Honda CR-Z are $1,026 annually including full coverage. Comprehensive insurance costs around $184 each year, collision insurance costs $210, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,194 or more. 16-year-old drivers pay the highest rates at up to $4,084 a year.
Average premium for full coverage: $1,026
Price estimates for individual coverage:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and CR-Z models.
Price Range from Low to High
For a 40-year-old driver, Honda CR-Z insurance prices range from as cheap as $522 for a discount liability-only rate to a high rate of $2,194 for high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.
The ranges above highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of using rate 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.
Rates by State, City, and Model
The chart below breaks down average Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $627
- Drivers who choose higher $1,000 deductibles will pay about $90 every year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,026
- Buying low deductibles for comprehensive and collision insurance costs an additional $168 every year
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,194
- The price with full coverage for a teen driver can be $4,084 a year
Car insurance prices for a Honda CR-Z are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,000 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged as much as $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying at least $1,200 to $1,700 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $260 every year, whereas increasing liability limits will increase prices. Changing 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 makes a big difference in Honda CR-Z insurance prices. A 40-year-old driver could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,460 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 the Cheapest Honda CR-Z Insurance
Getting lower rates on car insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and consideration of higher deductibles. Invest the time to shop around every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a recap of the material that was illustrated above.
- Policyholders who may need additional liability coverage will pay around $520 per year to go from a low limit to higher 250/500 limits
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $340 a month if comprehensive and collision insurance is included
- Higher risk drivers that have major violations or accidents may pay on average $1,170 more every year than a driver with a clean driving record
- Increasing physical damage deductibles could save up to $250 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,194 |
| $250 | $1,118 |
| $500 | $1,026 |
| $1,000 | $936 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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