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 insurance prices for a Honda CR-Z are $996 every 12 months with full coverage. Comprehensive insurance costs on average $174, collision costs $190, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage 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 by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different CR-Z trim levels.
Price Range Variability
For a driver in their 40's, Honda CR-Z insurance rates go from the cheapest price of $522 for a discount liability-only rate to a much higher rate of $2,128 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities.
The price range example below illustrates how location helps determine car insurance rates.
The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying 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.
Rates by State, City, and Model
The chart below details estimated Honda CR-Z insurance rates for different risk profiles and scenarios.
- The best discount rate is $611
- Choosing higher $1,000 deductibles can save around $84 annually
- The average price for a good driver age 40 with $500 deductibles is $996
- Using more expensive low deductibles for comp and collision coverage costs an extra $156 a year
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,128 or more
- Policy cost to insure a teen driver with full coverage may cost $3,994 each year
Insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driving record, and the trim level of your CR-Z.
Using high physical damage deductibles can save as much as $240 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates
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 New Hampshire, Ohio, and Utah, or be forced to pay as much as $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% |
Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and 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 Shop for the Best Cheap Honda CR-Z Insurance
Finding cheaper rates on Honda CR-Z insurance takes having a decent driving record, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates at every policy renewal by requesting rates from direct companies, and also from local exclusive and independent agents.
The following items are a quick review of the data covered in the charts and tables above.
- Drivers who require additional liability coverage will pay an extra $520 every year to raise limits from a 30/60 limit to a 250/500 level
- You may be able to save as much as $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- 16 to 18-year-old drivers pay higher rates, as much as $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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