Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year including full coverage. Comprehensive costs an estimated $174 a year, collision insurance costs $190, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs around $2,128. 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:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

The examples above highlight why it is important to compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below breaks down average Honda CR-Z insurance rates for other coverage scenarios.

• The best discount rate is $611
• Using higher $1,000 deductibles will save approximately $912 every year
• The average rate for a good driver age 40 who has $500 deductibles is $996
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,152
• High-risk insureds who are prone to accidents and violations could pay up to $2,128
• Policy cost for full coverage for a 16-year-old driver can cost as much as $3,994 or more

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on your risk profile, the model of your CR-Z, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $3,900 a year. View Rates by Age

Your home state has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates 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.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $240 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can be from 43% to 135% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Honda CR-Z Insurance

Finding cheaper rates on insurance for a Honda CR-Z requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around at least once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the primary concepts that were illustrated above.

• You may be able to save approximately $110 per year just by quoting early and online
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,130 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $250 each year
• Youthful drivers are expensive to insure, with premiums being up to $333 each month including comprehensive and collision insurance