Honda CR-Z Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average auto insurance rates for a Honda CR-Z are $1,062 annually for full coverage. Comprehensive costs approximately $198, collision costs $228, and liability costs around $478. A policy with just liability insurance costs as low as $526 a year, with coverage for high-risk drivers costing around $2,272. Teen drivers pay the highest rates at $4,200 a year or more.

Average premium for full coverage: $1,062

Price estimates by individual coverage:

Comprehensive $198
Collision $228
Liability $478

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all CR-Z models.

Price Range from Low to High

Using a middle-aged driver as an example, Honda CR-Z insurance prices go from as cheap as $526 for liability-only coverage to the much higher price of $2,272 for coverage for higher-risk drivers.

Liability Only $526
Full Coverage $1,062
High Risk $2,272

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural locations have fewer accident claims than larger metro areas.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $797
Small Cities $1,115
Large Cities $1,434

The ranges above show why everyone should compare prices using their specific location and their own personal driving habits, instead of using price 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 Charts and Tables

The chart below shows estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $646
  • Using higher $1,000 deductibles will save $98 a year
  • The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,062
  • Choosing pricier low deductibles for physical damage coverage will cost $1,244
  • Drivers with multiple violations and an at-fault accident could pay around $2,272 or more
  • The price with full coverage for a teen driver for full coverage can cost $4,200 or more

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing full coverage Honda CR-Z insurance rates range from $646 to $4,200

Insurance prices for a Honda CR-Z are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as little as $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,200 to $1,800 extra each year, depending on your age. Honda CR-Z insurance for high-risk drivers can be as much as 43% to 126% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $280 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see prices as low as $700 a year in states like Iowa, Maine, and Idaho, or as much as $1,520 on average in New York, Louisiana, and Michigan.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.

Honda CR-Z Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Buy the Best Cheap Honda CR-Z Insurance

Getting lower rates on car insurance requires being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a quick review of the primary concepts that were touched on in the above illustrations.

  • Drivers can save around $120 per year simply by quoting online well ahead of the renewal date
  • Higher risk drivers with a DUI or reckless driving violation pay on average $1,210 more per year to insure their CR-Z
  • Increasing physical damage deductibles could save up to $275 each year
  • Teen drivers are expensive to insure, with premiums as much as $350 a month including comprehensive and collision insurance

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,244
$250 $1,162
$500 $1,062
$1,000 $964

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $140

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
Rate after discounts $646

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles