Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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Average auto insurance rates for a Honda CR-Z are $996 annually with full coverage. Comprehensive insurance costs around $174, collision insurance costs $190, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,128 or more. Teens receive the highest rates at up to $3,994 a year.
Average premium for full coverage: $996
Rate estimates for individual coverage type:
Rates are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different CR-Z trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as cheap as $522 for basic liability insurance to a much higher rate of $2,128 for high-risk insurance.
Price Range by Location
Your location has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, rather than using 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 details average Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $611
- Drivers who choose higher $1,000 deductibles will pay about $84 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $996
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $156 each year
- High-risk insureds with serious driving violations could pay at least $2,128
- The cost with full coverage for a teenage driver with full coverage can be $3,994 a year
Auto insurance rates for a Honda CR-Z can also vary considerably based on the trim level of your CR-Z, your driving record, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may only pay around $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $240 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,350 on average in Florida, Michigan, and New York.
| 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 the Best Cheap Honda CR-Z Insurance
Saving money on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a quick review of the material that was touched on in the above illustrations.
- Consumers who may need increased liability limits will pay approximately $520 every year to go from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are expensive to insure, with premiums as much as $333 per month if full coverage is included
- Drivers with a DUI or reckless driving violation may pay on average $1,130 more every year to insure a Honda CR-Z
- Increasing 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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