Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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The average insurance prices for a Honda CR-Z are $996 every 12 months including full coverage. Comprehensive insurance costs an estimated $174 each year, collision insurance costs $190, and liability is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,128 or more. Teenage drivers cost the most to insure at up to $3,994 a year.
Average premium for full coverage: $996
Policy rates broken down by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CR-Z models.
Price Range Variability
For the normal driver, Honda CR-Z insurance rates range from the cheapest price of $522 for just the minimum liability insurance to a high rate of $2,128 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how geographic area affects insurance prices.
The examples above highlight why all drivers should get quotes for a targeted area and their own driving history, instead of using average rates.
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 Analysis
The chart below breaks down average Honda CR-Z insurance rates for other coverage scenarios.
- The best discount rate is $611
- Choosing higher $1,000 deductibles can save approximately $84 every year
- The average price for a good driver age 40 who has $500 deductibles is $996
- Using low deductibles for comp and collision coverage costs an extra $156 every year
- Unlucky drivers who are prone to accidents and violations could pay up to $2,128
- Policy cost to insure a teen driver can cost as much as $3,994 each year
Insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Using high physical damage deductibles can save as much as $240 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $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 $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
Your home state plays a big part in determining prices for Honda CR-Z insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,420 on average in Louisiana, New York, 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 the Best Honda CR-Z Insurance
Finding cheaper rates on car insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from local insurance agencies.
The list below is a brief recap of the material that was presented in the illustrations above.
- Policyholders who want higher liability limits will pay an extra $520 per year to raise limits from a 30/60 limit to a 250/500 level
- Teenagers are charged the highest rates, with premiums being up to $333 each month if they have full coverage
- Higher risk drivers who tend to receive serious violations may have to pay on average $1,130 more annually for car insurance
- Increasing comprehensive and collision deductibles could save as much as $250 each year
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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