Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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U.S. average insurance prices for a Honda CR-Z are $996 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $174 each year, collision insurance costs $190, and liability costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs $2,128 or more. 16-year-old drivers pay the highest rates at up to $3,994 a year.

Average premium for full coverage: $996

Price estimates by individual coverage:

Comprehensive $174
Collision $190
Liability $474

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and CR-Z models.

Price Range from Low to High

Using a 40-year-old driver as an example, Honda CR-Z insurance prices range from the cheapest price of $522 for just liability coverage to a high rate of $2,128 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $996
High Risk $2,128

Geographic Price Range

Your location can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The ranges above illustrate why all drivers should compare rates using their specific location and their own driving history, instead of making a decision based on rate 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.

Detailed Rate Analysis

The chart below illustrates average Honda CR-Z insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $611
  • Drivers who choose higher $1,000 deductibles will pay $84 each year
  • The average price for the average middle-age driver who chooses $500 deductibles is $996
  • Buying low deductibles for comprehensive and collision insurance costs an extra $156 annually
  • Drivers with multiple tickets or accidents could pay around $2,128
  • The price to insure a 16-year-old driver can cost $3,994 a year

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing Honda CR-Z insurance prices range from $611 to $3,994 for full coverage

Insurance prices for a Honda CR-Z are also quite variable based on deductibles and policy limits, your risk profile, and the model of your CR-Z.

Opting for high physical damage deductibles could save up to $240 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,200 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than the average rate. View High Risk Driver Rates

The state you live in 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 North Carolina, Wisconsin, and Vermont, or at least $1,350 on average in Florida, New York, and Michigan.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city
Honda CR-Z Insurance Rates by Model Year
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 Low Cost Honda CR-Z Insurance

Getting lower rates on insurance for a Honda CR-Z not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and consideration of higher deductibles. Set aside time to shop around at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the data raised in the charts and tables above.

  • Insureds who purchase more liability coverage will pay around $520 annually to go from a low limit to a 250/500 level
  • It is possible to save around $110 per year just by quoting online in advance
  • Increasing physical damage deductibles could save as much as $250 each year
  • Teen drivers are the costliest to insure, as much as $333 a month if full coverage is included

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,080
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $130

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
Rate after discounts $611

Discounts are estimated and may not be available from every company or in every state.

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