Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive insurance costs on average $174 each year, collision insurance costs $190, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,128 or more. Teen drivers cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates by type of insurance:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should compare prices based on a specific location, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows average Honda CR-Z insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $611
• Using higher $1,000 deductibles will save around $84 a year
• The estimated price for a good driver age 40 with $500 deductibles is $996
• Choosing low deductibles for physical damage coverage will cost an additional $156 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,128
• Policy cost that insures a 16-year-old driver may cost $3,994 or more

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers can be from 43% to 135% more than average. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $3,900 a year. View Rates by Age

Your home state has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,420 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $240 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Honda CR-Z Insurance

Finding cheaper rates on insurance for a Honda CR-Z requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around at every other renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following is a brief review of the concepts that were presented in the illustrations above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,130 more each year for CR-Z insurance
• Teens pay higher rates, costing up to $333 each month if comprehensive and collision insurance is included
• Drivers can save as much as $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers can save as much as $110 per year just by quoting online in advance