Honda CR-Z Insurance Rates

The average insurance prices for a Honda CR-Z are $996 every 12 months including full coverage. Comprehensive costs around $174 each year, collision insurance costs $190, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,128. 16-year-old drivers cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code and their own driving history, instead of using rate averages.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below breaks down average Honda CR-Z insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $611
• Drivers who choose higher $1,000 deductibles will pay about $84 every year
• The average price for a good driver age 40 using $500 deductibles is $996
• Buying low deductibles for comprehensive and collision insurance increases the price to $1,152
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,128
• Policy cost to insure a teen driver can be $3,994 a year

View Chart as Image

Car insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles could save up to $240 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged as much as $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 are likely paying at least $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Honda CR-Z insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,420 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheaper Honda CR-Z Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates once a year by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data that was touched on in this article.

• You may be able to save up to $110 per year just by quoting online in advance
• Policyholders who may need more liability protection will pay around $520 per year to go from a 30/60 limit to a 250/500 level
• Youthful drivers are the costliest to insure, with premiums being up to $333 each month if the policy includes full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,130 more every year than a low-risk driver