Honda CR-Z Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 23, 2024
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The average auto insurance rates for a Honda CR-Z are $996 annually with full coverage. Comprehensive insurance costs approximately $174, collision costs $190, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,128 or more. Teen drivers cost the most to insure at $3,994 a year or more.
Average premium for full coverage: $996
Policy rates by type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all CR-Z models.
Price Range Variability
For a driver around age 40, Honda CR-Z insurance rates go from as cheap as $522 for just the minimum liability insurance to the much higher price of $2,128 for a high-risk driver policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, rather than using 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 Analysis
The chart below details estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $611
- Choosing higher $1,000 deductibles can save $84 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $996
- Choosing pricier low deductibles for comp and collision coverage costs an additional $156 each year
- Drivers with multiple violations and an at-fault accident could pay around $2,128 or more
- Policy cost with full coverage for a teenage driver for full coverage can cost $3,994 each year
Insurance rates for a Honda CR-Z also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,700 additional every year, depending on your age. Honda CR-Z insurance for high-risk drivers ranges around 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $240 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state plays a big part in determining prices for Honda CR-Z insurance rates. A good driver about age 40 could pay as low as $720 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,350 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and rates will be varied between companies.
| 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 Buy Cheap Honda CR-Z Insurance
Finding cheaper rates on auto insurance takes avoiding accidents and violations, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief summary of the information covered above.
- You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
- Teenagers are the costliest to insure, as much as $333 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $250 each year
- Drivers that tend to have accidents or serious violations may pay on average $1,130 more per year for car insurance
- Consumers who purchase higher liability limits will pay about $520 every year to raise limits from a 30/60 limit to higher 250/500 limits
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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