Honda CR-Z Insurance Rates
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Michelle Robbins
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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 costs an estimated $174, collision costs $190, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,128. Teen drivers pay the highest rates at $3,994 a year or more.
Average premium for full coverage: $996
Price estimates broken down by individual coverage:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different CR-Z trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Honda CR-Z insurance prices go from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,128 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
The ranges above show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying 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 estimated Honda CR-Z insurance rates for other coverage scenarios.
- The lowest rate with discounts is $611
- Choosing higher $1,000 deductibles can save approximately $84 a year
- The average rate for the average middle-age driver who has $500 deductibles is $996
- Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,152
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,128 or more
- The price for full coverage for a teen driver with full coverage can cost as much as $3,994 each year
Auto insurance prices for a Honda CR-Z are also quite variable based on your driving record, the trim level of your CR-Z, and liability limits and deductibles.
An older driver with a good driving record and high deductibles could pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay at least $3,900 a year. View Rates by Age
The state you live in plays a big part in determining prices for Honda CR-Z insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or as much as $1,420 on average in New York, Louisiana, and Michigan.
| 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 save as much as $240 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying $1,200 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 135% more than average. View High Risk Driver Rates
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. Each auto insurer uses a different rate calculation, and quoted prices may be quite different from one company to the next.
| 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 Cheap Honda CR-Z Insurance
Getting lower rates on Honda CR-Z insurance takes being a low-risk driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a quick review of the concepts that were raised in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,130 more annually to insure their CR-Z
- Teen drivers are the costliest to insure, with premiums as much as $333 a month if they have full coverage
- Drivers can save approximately $110 per year simply by shopping early and online
- Increasing physical damage deductibles can save around $250 each year
- Drivers can save approximately $110 per year simply by shopping early and online
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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