Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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Estimated insurance rates for a Honda CR-Z are $1,062 a year with full coverage. Comprehensive costs on average $198, collision costs $228, and liability costs around $478. Liability-only coverage costs as low as $526 a year, with high-risk coverage costing around $2,272. 16-year-old drivers pay the most at $4,200 a year or more.
Average premium for full coverage: $1,062
Premium estimates by type of coverage:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different CR-Z trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Honda CR-Z go from the low end price of $526 for just the minimum liability insurance to a much higher rate of $2,272 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities.
The price range example below illustrates how your location can change car insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location, instead of making a decision based on 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 different risk profiles and scenarios.
- The best full coverage rate is $646
- Using higher $1,000 deductibles will save around $98 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,062
- Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,244
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,272 or more
- An auto insurance policy that insures a 16-year-old driver with full coverage may cost $4,200 or more
Insurance prices for a Honda CR-Z also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,800 extra annually, depending on your age. High-risk driver insurance can be from 43% to 126% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,000 a year, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,200 a year. View Rates by Age
Where you choose to live has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see prices as low as $770 a year in states like New Hampshire, Ohio, and Utah, or at least $1,440 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $960 | -$102 | -9.6% |
| Alaska | $816 | -$246 | -23.2% |
| Arizona | $882 | -$180 | -16.9% |
| Arkansas | $1,062 | -$0 | 0.0% |
| California | $1,210 | $148 | 13.9% |
| Colorado | $1,014 | -$48 | -4.5% |
| Connecticut | $1,092 | $30 | 2.8% |
| Delaware | $1,202 | $140 | 13.2% |
| Florida | $1,328 | $266 | 25.0% |
| Georgia | $980 | -$82 | -7.7% |
| Hawaii | $762 | -$300 | -28.2% |
| Idaho | $720 | -$342 | -32.2% |
| Illinois | $792 | -$270 | -25.4% |
| Indiana | $798 | -$264 | -24.9% |
| Iowa | $716 | -$346 | -32.6% |
| Kansas | $1,012 | -$50 | -4.7% |
| Kentucky | $1,450 | $388 | 36.5% |
| Louisiana | $1,570 | $508 | 47.8% |
| Maine | $656 | -$406 | -38.2% |
| Maryland | $874 | -$188 | -17.7% |
| Massachusetts | $850 | -$212 | -20.0% |
| Michigan | $1,846 | $784 | 73.8% |
| Minnesota | $890 | -$172 | -16.2% |
| Mississippi | $1,272 | $210 | 19.8% |
| Missouri | $944 | -$118 | -11.1% |
| Montana | $1,142 | $80 | 7.5% |
| Nebraska | $838 | -$224 | -21.1% |
| Nevada | $1,272 | $210 | 19.8% |
| New Hampshire | $764 | -$298 | -28.1% |
| New Jersey | $1,188 | $126 | 11.9% |
| New Mexico | $938 | -$124 | -11.7% |
| New York | $1,118 | $56 | 5.3% |
| North Carolina | $612 | -$450 | -42.4% |
| North Dakota | $870 | -$192 | -18.1% |
| Ohio | $734 | -$328 | -30.9% |
| Oklahoma | $1,090 | $28 | 2.6% |
| Oregon | $972 | -$90 | -8.5% |
| Pennsylvania | $1,014 | -$48 | -4.5% |
| Rhode Island | $1,418 | $356 | 33.5% |
| South Carolina | $962 | -$100 | -9.4% |
| South Dakota | $896 | -$166 | -15.6% |
| Tennessee | $930 | -$132 | -12.4% |
| Texas | $1,282 | $220 | 20.7% |
| Utah | $788 | -$274 | -25.8% |
| Vermont | $726 | -$336 | -31.6% |
| Virginia | $636 | -$426 | -40.1% |
| Washington | $820 | -$242 | -22.8% |
| West Virginia | $974 | -$88 | -8.3% |
| Wisconsin | $734 | -$328 | -30.9% |
| Wyoming | $948 | -$114 | -10.7% |
Opting for high physical damage deductibles could cut prices by as much as $280 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices will be substantially different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $248 | $338 | $460 | $1,204 |
| 2011 Honda CR-Z | $198 | $228 | $478 | $1,062 |
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 Cheapest Honda CR-Z Insurance
Finding better rates on insurance for a Honda CR-Z requires avoiding accidents and claims, having above-average credit, being claim-free, and bundling your home and auto policies. Comparison shop every other policy renewal by quoting rates from direct companies, and also from several local insurance agents.
The points below are a recap of the ideas that were illustrated above.
- Drivers under the age of 20 pay the highest prices, possibly costing $350 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents pay on average $1,210 more each year to insure a Honda CR-Z
- Increasing policy deductibles can save approximately $275 each year
- You may be able to save as much as $120 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,200 |
| 20 | $2,406 |
| 30 | $1,084 |
| 40 | $1,062 |
| 50 | $976 |
| 60 | $952 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,244 |
| $250 | $1,162 |
| $500 | $1,062 |
| $1,000 | $964 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,062 |
| 50/100 | $1,158 |
| 100/300 | $1,277 |
| 250/500 | $1,588 |
| 100 CSL | $1,205 |
| 300 CSL | $1,468 |
| 500 CSL | $1,660 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,924 |
| 20 | $3,832 |
| 30 | $2,296 |
| 40 | $2,272 |
| 50 | $2,172 |
| 60 | $2,148 |
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 | $54 |
| Multi-vehicle | $56 |
| Homeowner | $19 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $39 |
| Advance Quote | $46 |
| Online Quote | $72 |
| Total Discounts | $416 |
Discounts are estimated and may not be available from every company or in every state.
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