Honda CR-Z Insurance Rates

The average insurance prices for a Honda CR-Z are $1,026 every 12 months with full coverage. Comprehensive insurance costs approximately $184 a year, collision insurance costs $210, and liability coverage is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs $2,194 or more. 16-year-old drivers cost the most to insure at up to $4,084 a year.

Average premium for full coverage: $1,026

Policy rates by type of insurance:

Includes $500 physical damage deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than congested cities. The diagram below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

The chart below details average Honda CR-Z insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $627
• Raising to $1,000 deductibles will save $936 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,026
• Buying low $100 deductibles costs an extra $168 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,194
• Policy cost to insure a teenage driver can cost $4,084

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driving record, and the model of your CR-Z.

Opting for high physical damage deductibles can reduce rates by up to $260 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find rates as low as $740 a year in states like Utah, Ohio, and New Hampshire, or at least $1,390 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for the Cheapest Honda CR-Z Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and consideration of higher deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

Below is a recap of the data covered in the charts and tables above.

• Consumers who purchase higher levels of liability will pay around $520 every year to raise from a 30/60 limit to a 250/500 level
• You may be able to save around $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $250 each year
• Teenage drivers are the costliest to insure, as much as $340 each month if full coverage is included