Honda CR-Z Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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Average 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 $474. A liability-only policy costs around $522 a year, with high-risk insurance costing $2,128 or more. 16-year-old drivers receive the highest rates at $3,994 a year or more.
Average premium for full coverage: $996
Rate estimates by individual coverage type:
Rates are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all CR-Z models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the low end price of $522 for just the minimum liability insurance to the much higher price of $2,128 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities.
The example below illustrates how where you live affects auto insurance prices.
These examples demonstrate why everyone should compare rates quotes using their specific location, rather than using rate averages.
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 Analysis
The chart below details estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $611
- Raising to $1,000 deductibles will save $84 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $996
- Buying pricier low deductibles will cost an additional $156 each year
- Unlucky drivers with multiple tickets or accidents could pay around $2,128 or more
- The cost that insures a teenage driver for full coverage can cost $3,994
Insurance rates for a Honda CR-Z can also vary considerably based on the model of your CR-Z, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,200 to $1,700 extra per year, depending on your age. Honda CR-Z insurance for high-risk drivers is expensive and can cost around 43% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $3,900 a year. View Rates by Age
Where you live 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 Utah, Ohio, and New Hampshire, or at least $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% |
Opting for high physical damage deductibles can reduce rates by up to $240 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different.
| 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
Saving money on auto insurance consists of being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Comparison shop every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a quick review of the ideas that were touched on in the above illustrations.
- Teen drivers are expensive to insure, with premiums as much as $333 per month if full coverage is included
- Drivers with a DUI or reckless driving violation may have to pay on average $1,130 more per year to insure their CR-Z
- Increasing deductibles can save approximately $250 each year
- You may be able to save around $110 per year simply by quoting online well ahead of the renewal date
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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