Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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Estimated insurance rates for a Honda CR-Z are $996 a year with full coverage. Comprehensive insurance costs approximately $174, collision costs $190, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing $2,128 or more. Teenage drivers pay the most at $3,994 a year or more.
Average premium for full coverage: $996
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different CR-Z trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Honda CR-Z go from as low as $522 for minimum levels of liability insurance to a much higher rate of $2,128 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than 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 Details
The chart below details estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best discount rate is $611
- Choosing higher $1,000 deductibles can save $84 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $996
- Using more expensive low deductibles for comp and collision coverage will cost an extra $156 each year
- Drivers who are prone to accidents and violations could pay around $2,128 or more
- An auto insurance policy for full coverage for a teenage driver with full coverage can cost $3,994 each year
Insurance prices for a Honda CR-Z also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $3,900 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Honda CR-Z insurance rates. A good driver about age 40 could pay as low as $720 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,350 on average in New York, Michigan, 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% |
Using high physical damage deductibles can save as much as $240 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different from one company to the next.
| 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 Find the Best Cheap Honda CR-Z Insurance
Finding better rates on auto insurance takes having a decent driving record, maintaining good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a quick review of the data that was raised in the charts and tables above.
- You may be able to save around $110 per year simply by shopping early and online
- Consumers who purchase additional liability coverage will pay an extra $520 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, possibly costing $333 per month for full coverage
- Drivers with a DUI or reckless driving violation pay on average $1,130 more per year than a driver with a clean driving record
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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