Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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U.S. average insurance prices for a Honda CR-Z are $996 every 12 months for full coverage. Comprehensive insurance costs on average $174, collision insurance costs $190, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,128 or more. Teens pay the highest rates at up to $3,994 a year.
Average premium for full coverage: $996
Price estimates by individual coverage:
These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different CR-Z trim levels.
Price Range from Low to High
For a driver in their 40's, Honda CR-Z insurance prices range from the cheapest price of $522 for minimum levels of liability insurance to a much higher rate of $2,128 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine car insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.
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 Details
The chart below shows average Honda CR-Z insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $611
- Choosing higher $1,000 deductibles can save around $84 a year
- The average price for the average middle-age driver with $500 deductibles is $996
- Selecting more expensive low deductibles for comp and collision coverage costs an extra $156 a year
- High-risk insureds with serious driving violations could pay upwards of $2,128
- The price to insure a teen driver with full coverage may cost $3,994 each year
Insurance prices for a Honda CR-Z are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your CR-Z.
Choosing higher comprehensive and collision insurance deductibles can save as much as $240 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $3,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,200 to $1,700 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Honda CR-Z insurance rates. A good driver about age 40 could pay as low as $660 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,420 on average in Michigan, Louisiana, and New York.
| 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 Cheap Honda CR-Z Insurance
Getting lower rates on Honda CR-Z insurance takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
Below you'll find a brief summary of the primary concepts that were covered in the charts and tables above.
- Drivers can save as much as $110 per year just by shopping early and online
- High-risk drivers that tend to have accidents or serious violations pay an average of $1,130 more each year than a low-risk driver
- Increasing physical damage deductibles could save as much as $250 each year
- Youthful drivers pay higher prices, with premiums as much as $333 a month if full coverage is included
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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