Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year including full coverage. Comprehensive costs approximately $174 each year, collision insurance costs $190, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,128. 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 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of using rate averages.

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

More Rate Details

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

• The best full coverage rate is $611
• Raising to $1,000 deductibles will save $84 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $996
• Buying low deductibles will increase the cost to $1,152
• At-risk drivers with multiple tickets or accidents could pay around $2,128
• Policy cost for full coverage for a teen driver can cost $3,994

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on your risk profile, the model of your CR-Z, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $240 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost 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 consists of avoiding accidents and violations, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief summary of the car insurance concepts covered above.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,130 more per year for car insurance
• You may be able to save around $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $250 each year
• Policyholders who purchase higher liability limits will pay around $520 per year to raise from a 30/60 limit to 250/500 limits