Honda CR-Z Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 23, 2024
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Average auto insurance rates for a Honda CR-Z are $996 annually for full coverage. Comprehensive insurance costs on average $174 each year, collision costs $190, and liability insurance costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing $2,128 or more. Teenage drivers receive the highest rates at $3,994 a year or more.
Average premium for full coverage: $996
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and CR-Z models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $522 for just the minimum liability insurance to a high rate of $2,128 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.
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.
Additional Rate Analysis
The chart below shows estimated Honda CR-Z insurance rates for different risk profiles and scenarios.
- The best discount rate is $611
- Drivers who choose higher $1,000 deductibles will pay around $84 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $996
- Using low deductibles for comprehensive and collision insurance costs an additional $156 a year
- High risk drivers who are prone to accidents and violations could pay upwards of $2,128 or more
- The cost with full coverage for a teen driver may cost $3,994 a year
Insurance rates for a Honda CR-Z can also vary considerably based on the trim level of your CR-Z, your driver profile, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,200 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $240 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver 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.
| 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% |
With so much variability in rates, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly different between companies.
| 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 Buy Cheaper Honda CR-Z Insurance
Saving money on Honda CR-Z insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Set aside time to compare rates once a year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.
Below is a condensed summary of the data that was covered above.
- Drivers can save as much as $110 per year simply by quoting online in advance
- Drivers who require higher levels of liability will pay an extra $520 each year to go from a minimum limit to higher 250/500 limits
- Teenage drivers pay higher rates, costing as high as $333 per month if they have full coverage
- High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,130 more each year for auto insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,152 |
| $250 | $1,080 |
| $500 | $996 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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