Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year for full coverage insurance. Comprehensive insurance costs an estimated $174 each year, collision insurance costs $190, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers 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 broken down by type of insurance:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.

The examples above illustrate why all drivers should compare rates quotes for a targeted area, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Honda CR-Z insurance rates for other coverage scenarios.

• The best full coverage rate is $611
• Raising to $1,000 deductibles will save approximately $84 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $996
• Buying low deductibles will cost an additional $156 a year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,128
• Policy cost that insures a teen driver can cost as much as $3,994

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $3,900 a year. View Rates by Age

Your home state also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find rates as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,350 on average in Florida, New York, and Michigan.

View Chart as Image

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

How to Find the Right Honda CR-Z Insurance

Finding cheaper rates on Honda CR-Z insurance consists of being safe and accident-free, having above-average credit, being claim-free, and deciding if full coverage is necessary. Comparison shop at least every other year by requesting rates from direct insurance companies, and also from local insurance agencies.

Below you'll find a quick rundown of the car insurance concepts presented in the illustrations above.

• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,130 more annually than a low-risk driver
• It is possible to save approximately $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers who want more liability protection will pay around $520 annually to raise from a 30/60 limit to the 250/500 level