Honda CR-Z Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 for full coverage insurance. Comprehensive insurance costs around $174 a year, collision costs $190, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,128 or more. Teen drivers cost the most to insure at $3,994 a year or more.
Average premium for full coverage: $996
Policy rates for type of insurance:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and CR-Z trim levels.
Price Range Variability
For the normal driver, Honda CR-Z insurance rates go from the cheapest price of $522 for liability-only coverage to a high of $2,128 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
The examples above illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of using 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.
Additional Charts and Tables
The chart below illustrates estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $611
- Choosing higher $1,000 deductibles can save about $912 each year
- The average price for a good driver age 40 using $500 deductibles is $996
- Choosing low $100 deductibles for comp and collision coverage costs an extra $156 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,128 or more
- Policy cost to insure a teen driver can be $3,994 each year
Auto insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.
Choosing high deductibles can save as much as $240 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay 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 probably paying at least $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 43% to 135% more than average. 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 $650 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,350 on average in Michigan, New York, and Florida.
| 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% |
Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied.
| 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 Cheap Honda CR-Z Insurance
Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.
The following is a brief summary of the ideas that were presented in the illustrations above.
- Teens are expensive to insure, possibly costing $333 each month if comprehensive and collision insurance is included
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,130 more every year for CR-Z insurance
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- It is possible to save up to $110 per year simply by quoting early and online
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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