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...
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UPDATED: Apr 23, 2024
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Estimated insurance prices for a Honda CR-Z are $1,026 every 12 months for full coverage insurance. Comprehensive costs on average $184 each year, collision insurance costs $210, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,194. 16-year-old drivers pay the most at up to $4,084 a year.
Average premium for full coverage: $1,026
Premium estimates by type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and CR-Z models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Honda CR-Z range from the cheapest price of $522 for just the minimum liability insurance to a high rate of $2,194 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.
These rate differences illustrate why all drivers should get quotes based on a specific location and their own driving history, instead of 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 illustrates average Honda CR-Z insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $627
- Choosing higher $1,000 deductibles can save around $90 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,026
- Buying low deductibles for comp and collision coverage increases the price to $1,194
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,194
- An auto insurance policy to insure a teen driver may cost $4,084 each year
Auto insurance prices for a Honda CR-Z also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your CR-Z.
Opting for high physical damage deductibles can save as much as $260 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $4,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Honda CR-Z insurance prices. A good driver about age 40 could pay as low as $670 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,390 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $928 | -$98 | -9.6% |
| Alaska | $786 | -$240 | -23.4% |
| Arizona | $850 | -$176 | -17.2% |
| Arkansas | $1,026 | -$0 | 0.0% |
| California | $1,168 | $142 | 13.8% |
| Colorado | $980 | -$46 | -4.5% |
| Connecticut | $1,056 | $30 | 2.9% |
| Delaware | $1,162 | $136 | 13.3% |
| Florida | $1,284 | $258 | 25.1% |
| Georgia | $946 | -$80 | -7.8% |
| Hawaii | $736 | -$290 | -28.3% |
| Idaho | $692 | -$334 | -32.6% |
| Illinois | $764 | -$262 | -25.5% |
| Indiana | $770 | -$256 | -25.0% |
| Iowa | $692 | -$334 | -32.6% |
| Kansas | $974 | -$52 | -5.1% |
| Kentucky | $1,398 | $372 | 36.3% |
| Louisiana | $1,516 | $490 | 47.8% |
| Maine | $634 | -$392 | -38.2% |
| Maryland | $844 | -$182 | -17.7% |
| Massachusetts | $822 | -$204 | -19.9% |
| Michigan | $1,782 | $756 | 73.7% |
| Minnesota | $858 | -$168 | -16.4% |
| Mississippi | $1,226 | $200 | 19.5% |
| Missouri | $910 | -$116 | -11.3% |
| Montana | $1,102 | $76 | 7.4% |
| Nebraska | $808 | -$218 | -21.2% |
| Nevada | $1,230 | $204 | 19.9% |
| New Hampshire | $736 | -$290 | -28.3% |
| New Jersey | $1,146 | $120 | 11.7% |
| New Mexico | $908 | -$118 | -11.5% |
| New York | $1,080 | $54 | 5.3% |
| North Carolina | $590 | -$436 | -42.5% |
| North Dakota | $840 | -$186 | -18.1% |
| Ohio | $706 | -$320 | -31.2% |
| Oklahoma | $1,052 | $26 | 2.5% |
| Oregon | $938 | -$88 | -8.6% |
| Pennsylvania | $980 | -$46 | -4.5% |
| Rhode Island | $1,368 | $342 | 33.3% |
| South Carolina | $928 | -$98 | -9.6% |
| South Dakota | $866 | -$160 | -15.6% |
| Tennessee | $898 | -$128 | -12.5% |
| Texas | $1,236 | $210 | 20.5% |
| Utah | $760 | -$266 | -25.9% |
| Vermont | $704 | -$322 | -31.4% |
| Virginia | $614 | -$412 | -40.2% |
| Washington | $794 | -$232 | -22.6% |
| West Virginia | $938 | -$88 | -8.6% |
| Wisconsin | $710 | -$316 | -30.8% |
| Wyoming | $914 | -$112 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $232 | $310 | $460 | $1,160 |
| 2011 Honda CR-Z | $184 | $210 | $474 | $1,026 |
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 Shop for More Affordable Honda CR-Z Insurance
Finding better rates on car insurance takes having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates every year by requesting rates from direct insurance companies, and also from several local insurance agents.
The following items are a summary of the coverage data covered in the charts and tables above.
- It is possible to save as much as $110 per year just by quoting online in advance
- Increasing policy deductibles could save as much as $250 each year
- 16 to 18-year-old drivers are charged the highest prices, with premiums being up to $340 per month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations pay on average $1,170 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,084 |
| 20 | $2,322 |
| 30 | $1,044 |
| 40 | $1,026 |
| 50 | $940 |
| 60 | $920 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,194 |
| $250 | $1,118 |
| $500 | $1,026 |
| $1,000 | $936 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,026 |
| 50/100 | $1,121 |
| 100/300 | $1,239 |
| 250/500 | $1,547 |
| 100 CSL | $1,168 |
| 300 CSL | $1,429 |
| 500 CSL | $1,619 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,752 |
| 20 | $3,700 |
| 30 | $2,212 |
| 40 | $2,194 |
| 50 | $2,096 |
| 60 | $2,072 |
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 | $52 |
| Multi-vehicle | $54 |
| Homeowner | $18 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $64 |
| Paid in Full/EFT | $37 |
| Advance Quote | $44 |
| Online Quote | $69 |
| Total Discounts | $399 |
Discounts are estimated and may not be available from every company or in every state.
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