Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive costs around $174, collision insurance costs $190, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,128. Teenage drivers cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates for type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The example below illustrates how your location can change auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

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

• The best discount rate is $611
• Choosing higher $1,000 deductibles can save about $84 a year
• The average rate for a good driver age 40 using $500 deductibles is $996
• Using pricier low deductibles for comp and collision coverage will increase the cost to $1,152
• Drivers who are prone to accidents and violations could pay at least $2,128
• Policy cost for full coverage for a teenage driver for full coverage can be $3,994 each year

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda CR-Z insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,420 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $240 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,200 to $1,700 in extra premium every year, depending on your age. Honda CR-Z insurance for high-risk drivers ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates

How to Find More Affordable Honda CR-Z Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a summary of the data that was illustrated above.

• Drivers can save up to $110 per year just by quoting online well ahead of the renewal date
• Consumers who may need more liability coverage will pay an extra $520 each year to raise limits from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, costing up to $333 each month if they have full coverage
• Drivers who have multiple accidents or major violations may be required to pay an average of $1,130 more every year to insure their CR-Z