Honda CR-Z Insurance Rates

The average insurance prices for a Honda CR-Z are $996 every 12 months for full coverage. Comprehensive costs an estimated $174, collision insurance costs $190, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,128. Teens 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:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $611
• Drivers who choose higher $1,000 deductibles will pay approximately $84 a year
• The average price for a good driver age 40 who has $500 deductibles is $996
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,152
• High-risk insureds with serious driving violations could pay up to $2,128
• Policy cost to insure a teenage driver with full coverage can cost as much as $3,994 a year

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $240 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,420 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Cheapest Honda CR-Z Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by getting quotes from direct carriers, and also from several local insurance agents.

The list below is a recap of the material that was covered above.

• Consumers who want higher liability limits will pay approximately $520 each year to go from a 30/60 limit to a 250/500 level
• Teenagers are charged the highest rates, costing up to $333 each month if they have full coverage
• Drivers that have major violations or accidents pay on average $1,130 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $250 each year