Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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Estimated auto insurance rates for a Honda CR-Z are $1,026 annually for full coverage. Comprehensive costs approximately $184 each year, collision costs $210, and liability insurance costs $474. A policy with only liability insurance costs as little as $522 a year, with a high-risk policy costing around $2,194. Teen drivers pay the most at $4,084 a year or more.
Average premium for full coverage: $1,026
Premium estimates by type of coverage:
These estimates include $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and CR-Z models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Honda CR-Z go from as cheap as $522 for a discount liability-only rate to a high rate of $2,194 for high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance prices.
These rate differences show why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on price 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 shows estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $627
- Drivers who choose higher $1,000 deductibles will pay $90 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,026
- Choosing low deductibles for comprehensive and collision insurance will cost $1,194
- High risk drivers with multiple violations and an at-fault accident could pay around $2,194 or more
- An auto insurance policy with full coverage for a teen driver can cost $4,084 a year
Car insurance prices for a Honda CR-Z also have a wide range based on the model of your CR-Z, your driver profile, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $4,000 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,200 to $1,700 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $260 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $680 a year in states like Iowa, Maine, and Idaho, or as much as $1,460 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be substantially different between companies.
| 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 Cheap Honda CR-Z Insurance
Finding better rates on Honda CR-Z insurance not only requires having a good driving record, but also having a good credit score, not filing small claims, and avoiding coverage lapses. Make time to compare rates every couple of years by getting rate quotes from direct carriers, and also from several local insurance agents.
The next list is a brief summary of the material that was touched on in this article.
- Drivers who purchase increased levels of liability coverage will pay about $520 each year to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger pay the highest auto insurance prices, as much as $340 per month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations pay on average $1,170 more per year to buy Honda CR-Z insurance
- Increasing policy 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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