Honda CR-Z Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 23, 2024
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Estimated insurance rates for a Honda CR-Z are $1,026 a year for full coverage. Comprehensive costs around $184 a year, collision insurance costs $210, and liability insurance is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,194. Teens pay the most at up to $4,084 a year.
Average premium for full coverage: $1,026
Premium estimates for type of coverage:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and CR-Z trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Honda CR-Z range from the low end price of $522 for basic liability insurance to a high of $2,194 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences show why it is important to compare rates quotes for a specific zip code, rather than relying on averaged prices.
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.
Rate Comparisons
The chart below shows average Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $627
- Raising to $1,000 deductibles will save about $936 a year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,026
- Selecting low $100 deductibles bumps up the cost to $1,194
- Higher-risk drivers with serious driving violations could pay at least $2,194
- An auto insurance policy that insures a teen driver can be $4,084
Auto insurance prices for a Honda CR-Z also have a wide range based on the trim level of your CR-Z, how you drive, and deductibles and policy limits.
If you have a few violations or you caused an accident, you could be paying at least $1,200 to $1,700 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $4,000 a year. View Rates by Age
Where you choose to live also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find prices as low as $680 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,460 on average in Michigan, Louisiana, and New York.
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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $260 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
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 Find the Cheapest Honda CR-Z Insurance
Finding better rates on Honda CR-Z insurance consists of being a good driver, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Compare rates at every other renewal by requesting rates from direct carriers, and also from several local insurance agents.
The following list is a recap of the concepts that were covered above.
- High-risk drivers that have major violations or accidents pay on average $1,170 more every year than a safer driver
- Drivers age 16 to 20 are expensive to insure, as much as $340 per month if the policy includes full coverage
- Drivers can save up to $110 per year just by quoting early and online
- Increasing policy deductibles can save approximately $250 each year
- Drivers can save up to $110 per year just by quoting early and online
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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