Honda CR-Z Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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Estimated insurance prices for a Honda CR-Z are $996 every 12 months with full coverage. Comprehensive costs on average $174 a year, collision costs $190, and liability is $474. A liability-only policy costs around $522 a year, with high-risk insurance costing around $2,128. Teens pay the most at $3,994 a year or more.
Average premium for full coverage: $996
Premium estimates by type of coverage:
These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and CR-Z trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Honda CR-Z go from the cheapest price of $522 for just liability insurance to a high of $2,128 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than cities with more traffic congestion.
The diagram below illustrates how your location can change car insurance rates.
These rate differences demonstrate why it is important to compare rates quotes based on a specific location and their own driving history, instead of using 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.
More Rate Details
The chart below details estimated Honda CR-Z insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $611
- Raising to $1,000 deductibles will save around $912 annually
- The average price for a 40-year-old good driver with $500 deductibles is $996
- Selecting low $100 deductibles increases the price to $1,152
- At-risk drivers with serious driving violations could pay upwards of $2,128 or more
- An auto insurance policy to insure a teen driver may cost $3,994
Auto insurance prices for a Honda CR-Z also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your CR-Z.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $240 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little 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 excellent drivers will have to pay upwards of $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 135% more than the average policy. View High Risk Driver Rates
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 $720 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,350 on average in Florida, Michigan, and New York.
| 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% |
With such a large range in prices, the best way to find out exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, and quoted prices will be substantially different.
| 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 Shop for Cheap Honda CR-Z Insurance
Finding better rates on car insurance consists of being a low-risk driver, having a good credit score, being claim-free, and taking advantage of discounts. Invest the time to shop around every time your policy renews by quoting rates from direct companies, and also from local exclusive and independent agents.
The items below are a brief summary of the information illustrated above.
- You may be able to save as much as $110 per year simply by quoting early and online
- Teen drivers are charged the highest prices, possibly costing $333 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save as much as $250 each year
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,130 more each year to insure their CR-Z
- Policyholders who require more liability coverage will pay approximately $520 every year to raise from 30/60 bodily injury limits to a 250/500 level
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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