Honda CR-Z Insurance Rates

Estimated insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive costs an estimated $174 each year, collision insurance costs $190, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs around $2,128. Teenage drivers pay the most at up to $3,994 a year.

Average premium for full coverage: $996

Premium estimates broken down by type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and CR-Z models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

These rate differences show why all drivers should compare rates quotes for a targeted area, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $611
• Raising to $1,000 deductibles will save approximately $84 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $996
• Using low deductibles bumps up the cost to $1,152
• Drivers who are prone to accidents and violations could pay up to $2,128
• An auto insurance policy that insures a 16-year-old driver can cost as much as $3,994

View Chart as Image

Insurance prices for a Honda CR-Z also have a wide range based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,200 to $1,700 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay at least $3,900 a year. View Rates by Age

Where you choose to live also has a big influence on Honda CR-Z insurance prices. A middle-age driver might find prices as low as $660 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,420 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $240 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Honda CR-Z Insurance

Finding better rates on insurance for a Honda CR-Z consists of being a low-risk driver, having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a brief summary of the car insurance concepts illustrated above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,130 more annually to insure their CR-Z
• Drivers can save approximately $110 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $250 each year
• Insureds who want more liability coverage will pay an extra $520 each year to raise from 30/60 bodily injury limits to the 250/500 level