Honda CR-Z Insurance Rates

Average insurance rates for a Honda CR-Z are $996 a year including full coverage. Comprehensive insurance costs around $174, collision insurance costs $190, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $2,128 or more. Teens receive the highest rates at up to $3,994 a year.

Average premium for full coverage: $996

Rate estimates for individual coverage type:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different CR-Z trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below breaks down 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 $84 every year
• The average rate for a 40-year-old driver using $500 deductibles is $996
• Selecting more expensive low deductibles will cost an extra $156 each year
• Unlucky drivers with serious driving violations could pay at least $2,128
• The cost for full coverage for a teenage driver with full coverage can be $3,994

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Insurance rates for a Honda CR-Z can also vary considerably based on your driver profile, the model of your CR-Z, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may only pay around $900 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $3,900 a year. View Rates by Age

Where you live also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find rates as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,420 on average in Michigan, New York, and Louisiana.

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Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $240 a year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

How to Find the Best Honda CR-Z Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Take the time to compare rates at every policy renewal by getting quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a brief recap of the data covered in the above illustrations.

• Consumers who may need higher liability limits will pay approximately $520 per year to raise from a minimum limit to 250/500 limits
• You may be able to save up to $110 per year just by shopping early and online
• Increasing deductibles can save around $250 each year
• Teens are charged the highest rates, as much as $333 per month including comprehensive and collision insurance