Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year including full coverage. Comprehensive costs on average $174, collision insurance costs $190, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk 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 by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

The chart below breaks down average Honda CR-Z insurance rates for different risk profiles and scenarios.

• The best discount rate is $611
• Using higher $1,000 deductibles will save around $84 every year
• The average rate for a good driver age 40 with $500 deductibles is $996
• Using pricier low deductibles for physical damage coverage will increase the cost to $1,152
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,128
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $3,994 or more

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $3,900 a year. View Rates by Age

Your home state has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,420 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $240 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

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

How to Find Cheaper Honda CR-Z Insurance

Finding cheaper rates on insurance for a Honda CR-Z requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the data that was touched on above.

• You may be able to save as much as $110 per year just by quoting online well ahead of the renewal date
• Insureds who require more liability coverage will pay an extra $520 per year to increase from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $333 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,130 more each year to insure their CR-Z