Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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Estimated insurance rates for a Honda CR-Z are $996 a year for full coverage insurance. Comprehensive costs around $174, collision costs $190, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,128. 16-year-old drivers pay the most at $3,994 a year or more.
Average premium for full coverage: $996
Premium estimates for type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all CR-Z models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Honda CR-Z go from as low as $522 for minimum levels of liability insurance to the much higher price of $2,128 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than congested cities.
The example below illustrates how rural and urban location affects auto insurance rates.
These rate differences illustrate why everyone should get quotes for a specific zip code and risk profile, 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.
Additional Rate Details
The chart below illustrates estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $611
- Choosing higher $1,000 deductibles can save about $84 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $996
- Buying pricier low deductibles for comp and collision coverage will increase the cost to $1,152
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,128 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage can be $3,994 each year
Insurance prices for a Honda CR-Z also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
A more mature driver with a clean driving record and high deductibles may pay as low as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Honda CR-Z insurance prices. A good driver about age 40 could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or at least $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% |
Opting for high physical damage deductibles can save as much as $240 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at least $1,200 to $1,700 extra annually, depending on your age. Honda CR-Z insurance for high-risk drivers ranges from 43% to 135% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, so the prices will be substantially different from one company to the next.
| 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 Cheap Honda CR-Z Insurance
Finding better rates on insurance for a Honda CR-Z takes being safe and accident-free, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief summary of the data that was raised in the charts and tables above.
- It is possible to save up to $110 per year simply by quoting online well ahead of the renewal date
- Insureds who may need more liability protection will pay around $520 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
- Youthful drivers pay higher prices, with premiums being up to $333 per month for full coverage
- Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,130 more every year than a low-risk driver
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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