Honda CR-Z Insurance Rates

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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:

Comprehensive $184
Collision $210
Liability $474

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.

Liability Only $522
Full Coverage $1,026
High Risk $2,194

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.

Rural Areas $770
Small Cities $1,077
Large Cities $1,385

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

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing Honda CR-Z insurance rates range from $627 to $4,084 for full coverage

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.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city
Honda CR-Z Insurance Rates by Model Year
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

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,194
$250 $1,118
$500 $1,026
$1,000 $936

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $627

Discounts are estimated and may not be available from every company or in every state.

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