Honda CR-Z Insurance Rates

The average auto insurance rates for a Honda CR-Z are $996 annually with full coverage. Comprehensive insurance costs around $174 each year, collision insurance costs $190, and liability insurance is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,128 or more. Teenage drivers cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates for type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $611
• Raising to $1,000 deductibles will save about $84 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $996
• Using low deductibles costs an additional $156 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,128
• Policy cost with full coverage for a teen driver can be $3,994

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,200 to $1,700 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $240 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find rates as low as $720 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,350 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Affordable Honda CR-Z Insurance

Finding cheaper rates on Honda CR-Z insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and possibly raising deductibles. Spend time shopping around at every policy renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a brief review of the data touched on above.

• Drivers who may need higher liability limits will pay an extra $520 every year to raise from a 30/60 limit to higher 250/500 limits
• You may be able to save up to $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Teenagers are expensive to insure, as much as $333 each month if full coverage is included