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 on average $174 each year, collision insurance costs $190, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs $2,128 or more. 16-year-old drivers cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above illustrate why all drivers should get quotes based on a specific location and risk profile, instead of using rate averages.

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

Additional Charts and Tables

The chart below illustrates average Honda CR-Z insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $611
• Choosing higher $1,000 deductibles can save around $84 each year
• The average rate for a good driver age 40 with $500 deductibles is $996
• Buying low deductibles for comp and collision coverage will cost an extra $156 every year
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,128
• Policy cost for full coverage for a teen driver may cost $3,994 each year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $3,900 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda CR-Z insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,350 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $240 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. 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 a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than the average rate. View High Risk Driver Rates

How to Find Cheap Honda CR-Z Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having above-average credit, being claim-free, and possibly raising deductibles. Make time to compare rates every couple of years by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief summary of the material that was touched on in this article.

• Policyholders who require more liability coverage will pay around $520 annually to raise limits from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, possibly costing $333 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,130 more each year to insure their CR-Z
• Increasing comprehensive and collision deductibles can save around $250 each year