Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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Average insurance prices for a Honda CR-Z are $996 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $174, collision costs $190, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,128 or more. 16-year-old drivers receive the highest rates at $3,994 a year or more.

Average premium for full coverage: $996

Rate estimates broken down by individual coverage type:

Comprehensive $174
Collision $190
Liability $474

Includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all CR-Z models.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $522 for basic liability insurance to the much higher price of $2,128 for high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.

The example below illustrates how geographic area affects insurance prices.

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

These examples illustrate why everyone should compare rates quotes for a targeted area 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.

Rate Comparisons

The chart below illustrates estimated 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 average price for a 40-year-old driver who has $500 deductibles is $996
  • Buying pricier low deductibles costs an extra $156 every year
  • At-risk drivers with multiple tickets or accidents could pay up to $2,128 or more
  • The cost to insure a teen driver for full coverage can cost as much as $3,994

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 rates for a Honda CR-Z can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce rates by up to $240 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $3,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,200 to $1,700 additional per year, depending on your age. Honda CR-Z insurance for high-risk drivers is expensive and can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Honda CR-Z insurance prices. 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.

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

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates can be significantly 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 Shop for the Cheapest Honda CR-Z Insurance

Saving money on car insurance consists of being a good driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the material that was presented in the illustrations above.

  • Policyholders who want an increased level of liability coverage will pay around $520 annually to raise from a minimum limit to a 250/500 level
  • Drivers age 16 to 20 are expensive to insure, costing up to $333 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents could be forced to pay on average $1,130 more annually than a safer driver
  • Increasing deductibles could save as much as $250 each year

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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