Honda CR-Z Insurance Rates

Average insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive costs an estimated $174 a year, collision costs $190, and liability coverage is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,128. 16-year-old drivers receive the highest rates at $3,994 a year or more.

Average premium for full coverage: $996

Rate estimates broken down by individual coverage type:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and CR-Z trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples show why it is important to compare rates quotes for a targeted area and risk profile, rather than using rate averages.

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

Additional Rate Analysis

The chart below shows estimated Honda CR-Z insurance rates for other coverage scenarios.

• The best full coverage rate is $611
• Raising to $1,000 deductibles will save approximately $912 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $996
• Buying low $100 deductibles will increase the cost to $1,152
• Unlucky drivers with multiple tickets or accidents could pay up to $2,128 or more
• The cost for full coverage for a teenage driver can cost as much as $3,994

View Chart as Image

Insurance rates for a Honda CR-Z can also vary considerably based on your driver profile, the trim level of your CR-Z, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age

Where you live also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find rates as low as $660 a year in states like Iowa, Maine, and Idaho, or at least $1,420 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $240 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,200 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates can be significantly different from one company to the next.

How to Find Low Cost Honda CR-Z Insurance

Saving money on auto insurance consists of being a good driver, having a good credit history, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates every year by requesting rates from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following list is a review of the coverage data covered in the above illustrations.

• Drivers can save approximately $110 per year simply by quoting early and online
• Increasing deductibles can save around $250 each year
• Drivers age 16 to 20 are expensive to insure, costing as high as $333 per month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay an average of $1,130 more annually than a safer driver