Honda CR-Z Insurance Rates

U.S. average auto insurance rates for a Honda CR-Z are $996 annually including full coverage. Comprehensive insurance costs around $174 a year, collision insurance costs $190, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, and coverage for high-risk drivers costs $2,128 or more. Teen drivers pay the highest rates at up to $3,994 a year.

Average premium for full coverage: $996

Price estimates for individual coverage:

Includes $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and CR-Z trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.

The ranges above highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price 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 additional coverage choices and driver risks.

• The lowest rate with discounts is $611
• Drivers who choose higher $1,000 deductibles will pay about $912 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $996
• Choosing low $100 deductibles for comprehensive and collision insurance costs an additional $156 annually
• Drivers with multiple violations and an at-fault accident could pay at least $2,128
• The price with full coverage for a 16-year-old driver can be $3,994 a year

View Chart as Image

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.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay as much as $3,900 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. A high-risk auto insurance policy can cost from 43% to 135% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $240 annually, while buying higher 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 more per year. 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 $760 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,420 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy the Cheapest Honda CR-Z Insurance

Getting lower rates on insurance for a Honda CR-Z not only requires having a good driving record, but also having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a recap of the data illustrated above.

• Insureds who may need increased levels of liability coverage will pay about $520 per year to go from a low limit to higher 250/500 limits
• You may be able to save up to $110 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $250 each year
• Drivers age 20 and younger pay higher prices, possibly costing $333 a month including comprehensive and collision insurance