Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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The average insurance rates for a Honda CR-Z are $996 a year for full coverage insurance. Comprehensive insurance costs around $174 a year, collision costs $190, and liability costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,128 or more. Teenage drivers cost the most to insure at $3,994 a year or more.
Average premium for full coverage: $996
Policy rates for type of insurance:
Includes $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and CR-Z trim levels.
Price Range Variability
For the average 40-year-old driver, Honda CR-Z insurance rates go from the low end price of $522 for liability-only coverage to a high of $2,128 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates the difference location can make on auto insurance rates.
The examples above illustrate why it is important to compare rates for a specific zip code, instead of making a decision based on average rates.
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 Charts and Tables
The chart below illustrates estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The best discount rate is $611
- Drivers who choose higher $1,000 deductibles will pay about $912 each year
- The estimated price for a good driver age 40 using $500 deductibles is $996
- Using low $100 deductibles for comprehensive and collision insurance will cost an additional $156 annually
- Drivers who are prone to accidents and violations could pay at least $2,128 or more
- Policy cost that insures a 16-year-old driver can be $3,994 a year
Insurance rates for a Honda CR-Z also range considerably based on the trim level of your CR-Z, your age and driving record, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $3,900 a year. View Rates by Age
Your home state makes a big difference in Honda CR-Z insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,350 on average in Michigan, New York, 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% |
Using high physical damage deductibles could save up to $240 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied.
| 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 Cheapest Honda CR-Z Insurance
Finding cheaper rates on insurance for a Honda CR-Z not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and insuring your home and auto with the same company. Compare prices at least once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.
The points below are a recap of the primary concepts that were touched on in this article.
- It is possible to save up to $110 per year simply by quoting early and online
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,130 more every year to insure a Honda CR-Z
- Increasing comprehensive and collision deductibles can save approximately $250 each year
- Drivers under the age of 20 pay higher rates, possibly costing $333 each month if full coverage is included
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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