Honda CR-Z Insurance Rates

The average auto insurance rates for a Honda CR-Z are $1,026 annually including full coverage. Comprehensive costs on average $184 each year, collision insurance costs $210, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,194. 16-year-old drivers cost the most to insure at up to $4,084 a year.

Average premium for full coverage: $1,026

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Honda CR-Z insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $627
• Drivers who choose higher $1,000 deductibles will pay around $90 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,026
• Buying low deductibles for comprehensive and collision insurance will cost $1,194
• High risk drivers with multiple tickets or accidents could pay upwards of $2,194
• Policy cost with full coverage for a teen driver may cost $4,084 a year

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $260 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda CR-Z insurance rates. 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.

View Chart as Image

How to Buy Cheaper Honda CR-Z Insurance

Finding cheaper rates on Honda CR-Z insurance not only requires being a safe and courteous driver, but also having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the material that was illustrated above.

• Drivers who require higher levels of liability will pay around $520 per year to go from a 30/60 limit to higher 250/500 limits
• Teenage drivers pay higher rates, with premiums being up to $340 each month if they have full coverage
• High-risk drivers with multiple at-fault accidents pay on average $1,170 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $250 each year