Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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The average insurance prices for a Honda CR-Z are $996 every 12 months for full coverage insurance. Comprehensive insurance costs around $174 a year, collision costs $190, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,128 or more. Teen drivers cost the most to insure at $3,994 a year or more.

Average premium for full coverage: $996

Policy rates for type of insurance:

Comprehensive $174
Collision $190
Liability $474

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and CR-Z trim levels.

Price Range Variability

For the normal driver, Honda CR-Z insurance rates go from the cheapest price of $522 for liability-only coverage to a high of $2,128 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $996
High Risk $2,128

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance rates.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The examples above illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of using 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.

Additional Charts and Tables

The chart below illustrates estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $611
  • Choosing higher $1,000 deductibles can save about $912 each year
  • The average price for a good driver age 40 using $500 deductibles is $996
  • Choosing low $100 deductibles for comp and collision coverage costs an extra $156 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,128 or more
  • Policy cost to insure a teen driver can be $3,994 each year

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing full coverage Honda CR-Z insurance prices range from $611 to $3,994

Auto insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing high deductibles can save as much as $240 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 135% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Honda CR-Z insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,350 on average in Michigan, New York, and Florida.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied.

Honda CR-Z Insurance Rates by Model Year
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 Shop for Cheap Honda CR-Z Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a brief summary of the ideas that were presented in the illustrations above.

  • Teens are expensive to insure, possibly costing $333 each month if comprehensive and collision insurance is included
  • Higher risk drivers that tend to have accidents or serious violations may pay on average $1,130 more every year for CR-Z insurance
  • Increasing comprehensive and collision deductibles could save as much as $250 each year
  • It is possible to save up to $110 per year simply by quoting early and online

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,080
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $130

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
Rate after discounts $611

Discounts are estimated and may not be available from every company or in every state.

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