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 including full coverage. Comprehensive insurance costs approximately $174 each year, collision insurance costs $190, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,128 or more. 16-year-old drivers cost the most to insure at up to $3,994 a year.
Average premium for full coverage: $996
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CR-Z models.
Price Range Variability
For a driver around age 40, Honda CR-Z insurance rates range from the cheapest price of $522 for just liability coverage to a high rate of $2,128 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above highlight why all drivers should get quotes using their specific location and their own driving history, instead of 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.
Detailed Rate Analysis
The chart below breaks down average Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $611
- Choosing higher $1,000 deductibles can save $84 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $996
- Buying low deductibles for comp and collision coverage costs an extra $156 every year
- Unlucky drivers with multiple tickets or accidents could pay around $2,128
- Policy cost to insure a teen driver can cost $3,994 each year
Car insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your CR-Z.
Opting for high physical damage deductibles can save as much as $240 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations 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 be charged in the ballpark of $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 likely paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than the average rate. 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 $760 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,420 on average in Louisiana, New York, and Michigan.
| 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 Shop for the Best Cheap Honda CR-Z Insurance
Finding cheaper rates on car insurance takes having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a quick review of the primary concepts that were covered above.
- You may be able to save around $110 per year just by quoting online in advance
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,130 more per year to buy Honda CR-Z insurance
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- Drivers age 20 and younger pay the highest auto insurance rates, with premiums being up to $333 each month if the policy includes full coverage
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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