Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $1,026 a year for full coverage. Comprehensive costs around $184, collision insurance costs $210, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,194. Teen drivers cost the most to insure at up to $4,084 a year.

Average premium for full coverage: $1,026

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code, rather than relying on price averages.

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

More Rate Details

The chart below shows average Honda CR-Z insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $627
• Choosing higher $1,000 deductibles can save about $90 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,026
• Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,194
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,194
• Policy cost that insures a teen driver with full coverage can be $4,084 each year

View Chart as Image

Auto insurance rates for a Honda CR-Z also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,200 to $1,700 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 130% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda CR-Z insurance rates. A good driver about age 40 could pay as low as $680 a year in states like Idaho, Maine, and Iowa, or as much as $1,460 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $260 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Honda CR-Z Insurance

Finding cheaper rates on Honda CR-Z insurance takes having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Shop around at least every other year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following items are a summary of the car insurance concepts touched on above.

• High-risk drivers who have multiple accidents or major violations pay on average $1,170 more every year than a driver with a clean driving record
• Drivers can save up to $110 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers who may need additional liability coverage will pay about $520 each year to raise limits from a 30/60 limit to the 250/500 level