Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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Average insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive insurance costs around $174, collision insurance costs $190, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $2,128 or more. Teen drivers receive the highest rates at up to $3,994 a year.
Average premium for full coverage: $996
Rate estimates for individual coverage type:
These estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different CR-Z trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,128 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on price averages.
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 Details
The chart below shows average Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $611
- Raising to $1,000 deductibles will save about $84 a year
- The average rate for a 40-year-old driver using $500 deductibles is $996
- Choosing more expensive low deductibles will cost an extra $156 annually
- Drivers with multiple violations and an at-fault accident could pay at least $2,128
- The cost for full coverage for a 16-year-old driver with full coverage can be $3,994
Insurance rates for a Honda CR-Z can also vary considerably based on your driver profile, the trim level of your CR-Z, and deductibles and policy limits.
An older driver with no violations or accidents and high deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are highest 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 prices. A middle-age driver might find 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.
| 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% |
Choosing high deductibles can reduce rates by up to $240 annually, while increasing your policy's liability limits will increase rates. Going 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 could be paying at least $1,200 to $1,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates
| 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 Find Cheap Honda CR-Z Insurance
Saving money on insurance for a Honda CR-Z consists of not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Spend time shopping around every year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The following is a brief summary of the coverage data touched on above.
- Drivers can 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, costing as high as $333 per month including comprehensive and collision insurance
- Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,130 more every year for CR-Z 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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