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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Average auto insurance rates for a Honda CR-Z are $996 annually for full coverage insurance. Comprehensive costs around $174 each year, collision costs $190, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,128. Teens receive the highest rates at $3,994 a year or more.
Average premium for full coverage: $996
Rate estimates for individual coverage type:
Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and CR-Z models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as cheap as $522 for liability-only coverage to a high rate of $2,128 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on auto insurance rates.
These examples illustrate why all drivers should compare rates for a specific zip code and their own personal driving habits, 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 Charts and Tables
The chart below illustrates estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $611
- Drivers who choose higher $1,000 deductibles will pay about $84 each year
- The estimated rate for a 40-year-old driver using $500 deductibles is $996
- Selecting low deductibles for comprehensive and collision insurance will cost $1,152
- High risk drivers with serious driving violations could pay at least $2,128 or more
- The cost with full coverage for a teen driver can be $3,994 a year
Insurance rates for a Honda CR-Z can also vary considerably based on the trim level of your CR-Z, your risk profile, and deductibles and policy limits.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $900 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $3,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at least $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $240 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $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% |
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so the rates can be significantly different between companies.
| 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 Buy the Cheapest Honda CR-Z Insurance
Saving money on Honda CR-Z insurance not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.
The points below are a recap of the information touched on in this article.
- It is possible to save up to $110 per year simply by quoting online in advance
- Drivers under the age of 20 pay higher rates, costing up to $333 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $250 each year
- High-risk drivers that have major violations or accidents pay on average $1,130 more every year to insure a Honda CR-Z
- Drivers who may need increased liability limits will pay approximately $520 annually to go from a minimum limit to higher 250/500 limits
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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