Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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Average insurance prices for a Honda CR-Z are $996 every 12 months for full coverage. Comprehensive costs an estimated $174, collision insurance costs $190, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,128. Teen drivers receive the highest rates at up to $3,994 a year.
Average premium for full coverage: $996
Rate estimates broken down by individual coverage type:
Price estimates include $500 deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different CR-Z trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the cheapest price of $522 for just liability insurance to a much higher rate of $2,128 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates how geographic area affects insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price 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.
More Rate Details
The chart below shows average Honda CR-Z insurance rates for other coverage scenarios.
- The lowest rate with discounts is $611
- Raising to $1,000 deductibles will save approximately $84 a year
- The average price for a 40-year-old driver who has $500 deductibles is $996
- Choosing more expensive low deductibles increases the price to $1,152
- Drivers with multiple violations and an at-fault accident could pay up to $2,128
- The cost to insure a 16-year-old driver with full coverage can cost as much as $3,994
Auto insurance rates for a Honda CR-Z can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $240 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $3,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates
Where you live also has a big influence on Honda CR-Z insurance prices. A middle-age driver might find rates as low as $660 a year in states like Iowa, Maine, and Idaho, or as much as $1,420 on average in New York, Louisiana, and Michigan.
| 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% |
| 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 Cheaper Honda CR-Z Insurance
Saving money on insurance for a Honda CR-Z consists of not taking risks behind the wheel, having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to compare rates every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a condensed summary of the coverage data presented in the illustrations above.
- Drivers can save approximately $110 per year just by shopping early and online
- Increasing deductibles could save as much as $250 each year
- Teens are the costliest to insure, costing as high as $333 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,130 more annually for CR-Z insurance
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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