Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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U.S. average insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive insurance costs an estimated $174, collision costs $190, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,128 or more. Teens pay the highest rates at $3,994 a year or more.

Average premium for full coverage: $996

Price estimates broken down by individual coverage:

Comprehensive $174
Collision $190
Liability $474

Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different CR-Z trim levels.

Price Range from Low to High

For a driver in their 40's, Honda CR-Z insurance prices go from the low end price of $522 for just liability coverage to a much higher rate of $2,128 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $996
High Risk $2,128

Geographic Price Range

Your location has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine insurance prices.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The ranges above show why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on averaged prices.

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.

Detailed Rate Analysis

The chart below shows estimated Honda CR-Z insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $611
  • Drivers who choose higher $1,000 deductibles will pay approximately $84 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $996
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $156 a year
  • High risk drivers with serious driving violations could pay up to $2,128 or more
  • The price that insures a teen driver with full coverage can cost as much as $3,994 a year

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing full coverage Honda CR-Z insurance prices range from $611 to $3,994

Auto insurance prices for a Honda CR-Z are also quite variable based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $3,900 a year. View Rates by Age

The state you live in makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,420 on average in New York, Louisiana, and Michigan.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different.

Honda CR-Z Insurance Rates by Model Year
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 the Best Honda CR-Z Insurance

Getting lower rates on Honda CR-Z insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates at every policy renewal by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a brief recap of the data covered in the charts and tables above.

  • Drivers who want higher liability limits will pay approximately $520 each year to go from a low limit to the 250/500 level
  • Drivers can save approximately $110 per year simply by shopping early and online
  • Increasing physical damage deductibles can save approximately $250 each year
  • Teens are the costliest to insure, with premiums as much as $333 a month if the policy includes full coverage

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,080
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $130

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
Rate after discounts $611

Discounts are estimated and may not be available from every company or in every state.

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