Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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Estimated auto insurance rates for a Honda CR-Z are $996 annually for full coverage insurance. Comprehensive insurance costs an estimated $174, collision insurance costs $190, and liability coverage costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs $2,128 or more. Teenage drivers pay the most at up to $3,994 a year.
Average premium for full coverage: $996
Premium estimates broken down by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all CR-Z models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Honda CR-Z range from as cheap as $522 for minimum levels of liability insurance to the much higher price of $2,128 for high-risk insurance.
Insurance Price Range by Location
Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.
These rate differences illustrate why everyone should compare prices for a targeted area and their own personal driving habits, rather than using 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 Rate Details
The chart below illustrates average Honda CR-Z insurance rates for other coverage scenarios.
- The best discount rate is $611
- Using higher $1,000 deductibles will save approximately $84 each year
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $996
- Using pricier low deductibles for physical damage coverage costs an additional $156 each year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,128
- An auto insurance policy with full coverage for a teenage driver for full coverage can cost as much as $3,994 or more
Car insurance prices for a Honda CR-Z also have a wide range based on the model of your CR-Z, your risk profile, and liability limits and deductibles.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $3,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying $1,200 to $1,700 extra annually, depending on your age. Honda CR-Z insurance for high-risk drivers can be around 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $240 a year, whereas buying more liability protection will increase premiums. Switching 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 has a huge impact on Honda CR-Z insurance rates. A driver around age 40 might see prices as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,350 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$96 | -9.6% |
| Alaska | $762 | -$234 | -23.5% |
| Arizona | $826 | -$170 | -17.1% |
| Arkansas | $996 | -$0 | 0.0% |
| California | $1,134 | $138 | 13.9% |
| Colorado | $952 | -$44 | -4.4% |
| Connecticut | $1,024 | $28 | 2.8% |
| Delaware | $1,128 | $132 | 13.3% |
| Florida | $1,246 | $250 | 25.1% |
| Georgia | $918 | -$78 | -7.8% |
| Hawaii | $714 | -$282 | -28.3% |
| Idaho | $672 | -$324 | -32.5% |
| Illinois | $742 | -$254 | -25.5% |
| Indiana | $748 | -$248 | -24.9% |
| Iowa | $670 | -$326 | -32.7% |
| Kansas | $946 | -$50 | -5.0% |
| Kentucky | $1,358 | $362 | 36.3% |
| Louisiana | $1,472 | $476 | 47.8% |
| Maine | $614 | -$382 | -38.4% |
| Maryland | $818 | -$178 | -17.9% |
| Massachusetts | $796 | -$200 | -20.1% |
| Michigan | $1,728 | $732 | 73.5% |
| Minnesota | $832 | -$164 | -16.5% |
| Mississippi | $1,192 | $196 | 19.7% |
| Missouri | $882 | -$114 | -11.4% |
| Montana | $1,068 | $72 | 7.2% |
| Nebraska | $784 | -$212 | -21.3% |
| Nevada | $1,194 | $198 | 19.9% |
| New Hampshire | $716 | -$280 | -28.1% |
| New Jersey | $1,112 | $116 | 11.6% |
| New Mexico | $882 | -$114 | -11.4% |
| New York | $1,048 | $52 | 5.2% |
| North Carolina | $574 | -$422 | -42.4% |
| North Dakota | $816 | -$180 | -18.1% |
| Ohio | $688 | -$308 | -30.9% |
| Oklahoma | $1,024 | $28 | 2.8% |
| Oregon | $910 | -$86 | -8.6% |
| Pennsylvania | $952 | -$44 | -4.4% |
| Rhode Island | $1,326 | $330 | 33.1% |
| South Carolina | $900 | -$96 | -9.6% |
| South Dakota | $840 | -$156 | -15.7% |
| Tennessee | $872 | -$124 | -12.4% |
| Texas | $1,198 | $202 | 20.3% |
| Utah | $736 | -$260 | -26.1% |
| Vermont | $682 | -$314 | -31.5% |
| Virginia | $596 | -$400 | -40.2% |
| Washington | $770 | -$226 | -22.7% |
| West Virginia | $910 | -$86 | -8.6% |
| Wisconsin | $690 | -$306 | -30.7% |
| Wyoming | $888 | -$108 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $224 | $292 | $464 | $1,138 |
| 2011 Honda CR-Z | $174 | $190 | $474 | $996 |
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 More Affordable Honda CR-Z Insurance
Finding better rates on auto insurance requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around every couple of years by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.
The following items are a summary of the material that was raised in the charts and tables above.
- Consumers who want additional liability coverage will pay an extra $520 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
- 16 to 18-year-old drivers have the highest car insurance prices, with premiums being up to $333 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations may pay on average $1,130 more annually than a driver with a clean driving record
- Increasing policy deductibles could save up to $250 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,994 |
| 20 | $2,254 |
| 30 | $1,010 |
| 40 | $996 |
| 50 | $912 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,152 |
| $250 | $1,080 |
| $500 | $996 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $996 |
| 50/100 | $1,091 |
| 100/300 | $1,209 |
| 250/500 | $1,517 |
| 100 CSL | $1,138 |
| 300 CSL | $1,399 |
| 500 CSL | $1,589 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,616 |
| 20 | $3,592 |
| 30 | $2,144 |
| 40 | $2,128 |
| 50 | $2,034 |
| 60 | $2,012 |
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 | $50 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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