Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive costs on average $174, collision insurance costs $190, and liability coverage costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs around $2,128. Teen 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:

Estimates include $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location, rather than using price averages.

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 different risk profiles and scenarios.

• The lowest rate with discounts is $611
• Using higher $1,000 deductibles will save around $84 a year
• The estimated price for a good driver age 40 with $500 deductibles is $996
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,152
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,128
• Policy cost that insures a teenage driver with 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 the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance can be around 43% to 135% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records 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 rates. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,420 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $240 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find Low Cost Honda CR-Z Insurance

Finding cheaper rates on auto insurance requires being a good driver, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a review of the material that was raised in the charts and tables above.

• Consumers who require an increased level of liability coverage will pay about $520 each year to increase from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, costing up to $333 each month if full coverage is purchased
• Drivers who have several accidents or serious violations may pay on average $1,130 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $250 each year