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 around $174 a year, collision insurance costs $190, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,128 or more. Teens cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why it is important to compare rates quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $611
• Raising to $1,000 deductibles will save about $912 each year
• The average rate for a good driver age 40 using $500 deductibles is $996
• Selecting low $100 deductibles will cost an extra $156 annually
• Drivers with serious driving violations could pay at least $2,128
• Policy cost for full coverage for a 16-year-old driver can be $3,994

View Chart as Image

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

Older drivers with a good driving record and high deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $3,900 a year. View Rates by Age

Your home state 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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,350 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $240 annually, while buying higher liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% more than the average policy. View High Risk Driver Rates

How to Find Affordable Honda CR-Z Insurance

Finding cheaper rates on insurance for a Honda CR-Z consists of having a decent driving record, having good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief review of the data raised in the charts and tables above.

• Insureds who may need additional liability coverage will pay approximately $520 annually to raise from a 30/60 limit to 250/500 limits
• It is possible to save up to $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $250 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $333 each month if they have full coverage