Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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Estimated insurance rates for a Honda CR-Z are $996 a year with full coverage. Comprehensive insurance costs an estimated $174 each year, collision costs $190, and liability coverage costs $474. Liability-only insurance costs as little as $522 a year, with high-risk driver insurance costing $2,128 or more. 16-year-old drivers pay the most at $3,994 a year or more.

Average premium for full coverage: $996

Premium estimates broken down by type of coverage:

Comprehensive $174
Collision $190
Liability $474

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and CR-Z models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Honda CR-Z go from the low end price of $522 for liability-only coverage to a high rate of $2,128 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

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

These rate differences demonstrate why all drivers should compare rates for a targeted area, rather than using rate 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.

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Additional Charts and Tables

The chart below details estimated Honda CR-Z insurance rates for other coverage scenarios.

  • The best full coverage rate is $611
  • Drivers who choose higher $1,000 deductibles will pay approximately $84 annually
  • The estimated price for a 40-year-old good driver who has $500 deductibles is $996
  • Buying low deductibles for comprehensive and collision insurance will cost an additional $156 each year
  • High-risk insureds with multiple tickets or accidents could pay up to $2,128 or more
  • An auto insurance policy that insures a teenage driver can cost as much as $3,994 a 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

Insurance prices for a Honda CR-Z also have a wide range based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,200 to $1,700 additional annually, depending on your age. Insurance for high-risk drivers can cost around 43% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Where you choose to 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 Utah, Ohio, and New Hampshire, or at least $1,350 on average in New York, Michigan, 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

Opting for high physical damage deductibles could save up to $240 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and prices will be substantially different.

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 Find More Affordable Honda CR-Z Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and maximizing policy discounts. Comparison shop once a year by getting quotes from direct companies, and also from insurance agencies where you live.

The next list is a summary of the data that was covered above.

  • You may be able to save approximately $110 per year simply by quoting online in advance
  • Consumers who want increased levels of liability coverage will pay around $520 every year to go from 30/60 bodily injury limits to the 250/500 level
  • Drivers age 20 and younger are expensive to insure, possibly costing $333 per month if comprehensive and collision insurance is included
  • Drivers who have multiple accidents or major violations could be forced to pay on average $1,130 more annually to buy Honda CR-Z insurance

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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