Cheapest 2011 Honda CR-Z Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for the cheapest insurance coverage rates for your Honda CR-Z? Finding the cheapest insurance for a Honda CR-Z can normally be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy insurance coverage and we’ll show you the best way to price shop coverage for a new or used Honda and get the best price possible from both online companies and local agents.

Smart consumers take time to shop coverage around every six months since rates are rarely the same from one policy term to another. Just because you had the lowest price for CR-Z coverage on your last policy there is a good chance you can find better rates now. So forget anything you know (or think you know) about insurance coverage because we’re going to show you the easiest way to lower your annual insurance bill.

Free Quotes for Auto Insurance

Shopping for lower auto insurance rates can be exhausting if you don’t utilize the easiest way. You could waste time driving to agents in your area, or you could save time and use online quotes to get pricing more quickly.

Most major companies participate in a marketplace where prospective buyers submit one quote, and each company can provide price quotes based on the submitted data. This saves time by eliminating form submissions for every auto insurance company.

To compare pricing click here (opens in new window).

The one disadvantage to comparing rates this way is you can’t choose which carriers you will receive quotes from. So if you prefer to pick individual companies to request quotes from, we have assembled a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing apples-to-apples deductibles and coverage limits with each company. If the quotes have higher or lower deductibles then you won’t be able to decipher which rate is best.

Do I need special coverages?

When buying the right insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Does coverage extend to my business vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my 2011 Honda CR-Z covered for flood damage?
  • What are the financial responsibility laws in my state?
  • When do I need to add a new car to my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Do I pay less for low miles?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as structural damage, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, theft, a broken windshield, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like pain medications, nursing services, rehabilitation expenses, prosthetic devices and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays for damage to your CR-Z resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Frequently Asked Questions

How can I find the cheapest insurance for a 2011 Honda CR-Z?

Finding the cheapest insurance for a 2011 Honda CR-Z involves several factors. Here are a few tips to help you in your search:

  1. Compare quotes: Obtain quotes from multiple insurance providers and compare them to find the best rates. You can do this by contacting insurance companies directly or using online comparison tools.
  2. Opt for a higher deductible: Choosing a higher deductible means you’ll have to pay more out of pocket in the event of a claim, but it can help lower your insurance premiums.
  3. Maintain a clean driving record: Insurance companies often offer lower rates to drivers with a good driving history. Avoid traffic violations and accidents to keep your record clean and potentially reduce your premiums.
  4. Consider bundled policies: Some insurance companies offer discounts if you bundle your car insurance with other types of coverage, such as home or renters insurance. Inquire with insurance providers about potential discounts for multiple policies.
  5. Explore available discounts: Ask insurance companies about any available discounts specific to the 2011 Honda CR-Z. For example, there may be discounts for safety features or anti-theft devices installed in your vehicle.

Are there any specific factors that affect the insurance rates for a 2011 Honda CR-Z?

Yes, several factors can influence the insurance rates for a 2011 Honda CR-Z. Here are some of the main factors insurance companies consider:

  • Vehicle value: The value of your Honda CR-Z affects insurance rates. Generally, more expensive cars have higher insurance premiums due to the higher cost of repairs or replacement.
  • Age of the vehicle: Older vehicles like the 2011 Honda CR-Z may have lower insurance rates compared to brand new models. As a car ages, its value depreciates, which can result in lower premiums.
  • Safety features: The presence of safety features in your Honda CR-Z can positively impact your insurance rates. Vehicles equipped with features like anti-lock brakes, airbags, electronic stability control, and anti-theft systems are often considered safer and may be eligible for discounts.
  • Driving record: Your driving history plays a significant role in determining insurance rates. If you have a clean driving record with no accidents or traffic violations, you may be eligible for lower premiums.
  • Location: Where you live can affect insurance rates. Areas with higher crime rates or greater risk of accidents may result in higher premiums compared to safer neighborhoods.
  • Insurance coverage options: The level of coverage you choose, such as liability-only or comprehensive coverage, will impact the cost of your insurance. Comprehensive coverage, which provides protection against theft, vandalism, and other non-collision incidents, is typically more expensive than liability-only coverage.

Are there any discounts available specifically for insuring a 2011 Honda CR-Z?

While specific discounts for insuring a 2011 Honda CR-Z may vary depending on the insurance provider, there are a few common discounts you can inquire about:

  1. Safety features: If your Honda CR-Z is equipped with safety features such as anti-lock brakes, airbags, or an anti-theft system, you may be eligible for a discount. These features reduce the risk of accidents or theft, making your vehicle less expensive to insure.
  2. Good student discount: If you or a family member on your insurance policy is a student with good grades, you may qualify for a good student discount. Insurance companies often offer this discount to recognize responsible academic performance.
  3. Multi-vehicle discount: If you insure more than one vehicle with the same insurance provider, you may be eligible for a multi-vehicle discount. This can help reduce the overall insurance cost for all vehicles on the policy.
  4. Safe driver discount: Maintaining a clean driving record without any accidents or traffic violations may make you eligible for a safe driver discount. Insurance companies often reward responsible driving habits with lower premiums.

What are some ways to potentially lower insurance costs for a 2011 Honda CR-Z?

To reduce insurance costs for a 2011 Honda CR-Z, you can consider the following options:

  • Opt for higher deductibles: Increasing your deductible amount can lower your premium, but keep in mind that you’ll have to pay more out of pocket in case of a claim.
  • Maintain a clean driving record: A good driving history with no accidents or traffic violations can lead to lower insurance rates.
  • Bundle insurance policies: If you have multiple insurance needs (such as home and auto), combining them with the same provider may result in a discount.
  • Inquire about discounts: Ask your insurance provider about any available discounts, such as safe driver discounts, good student discounts, or multi-car discounts.

Is it worth comparing quotes from multiple insurance providers for a 2011 Honda CR-Z?

Yes, comparing insurance quotes from multiple providers is a recommended approach. Different insurers may offer different rates based on their underwriting criteria and risk assessments. By obtaining quotes from multiple companies, you can find the best deal and potentially secure the cheapest insurance for your 2011 Honda CR-Z.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption