Honda CR-Z Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Honda CR-Z are $1,086 a year for full coverage. Comprehensive insurance costs around $202, collision insurance costs $252, and liability insurance is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,330 or more. Teens pay the highest rates at up to $4,280 a year.
Average premium for full coverage: $1,086
Price estimates for individual coverage:
Price estimates include $500 policy deductibles, bodily injury 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
For an average driver, Honda CR-Z insurance prices range from as low as $522 for liability-only coverage to the much higher price of $2,330 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on auto insurance rates.
The ranges above show why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on averaged prices.
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 average Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $656
- Raising to $1,000 deductibles will save about $104 a year
- The average rate for the average middle-age driver using $500 deductibles is $1,086
- Selecting pricier low deductibles will cost an extra $198 a year
- Higher-risk drivers with serious driving violations could pay at least $2,330
- The price for full coverage for a teen driver for full coverage can be $4,280
Insurance prices for a Honda CR-Z are also quite variable based on your driving record, the trim level of your CR-Z, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles could pay as little as $1,000 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $4,200 a year. View Rates by Age
The state you live in also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find prices as low as $720 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,550 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $984 | -$102 | -9.4% |
| Alaska | $834 | -$252 | -23.2% |
| Arizona | $902 | -$184 | -16.9% |
| Arkansas | $1,086 | -$0 | 0.0% |
| California | $1,240 | $154 | 14.2% |
| Colorado | $1,038 | -$48 | -4.4% |
| Connecticut | $1,118 | $32 | 2.9% |
| Delaware | $1,232 | $146 | 13.4% |
| Florida | $1,362 | $276 | 25.4% |
| Georgia | $1,002 | -$84 | -7.7% |
| Hawaii | $782 | -$304 | -28.0% |
| Idaho | $734 | -$352 | -32.4% |
| Illinois | $810 | -$276 | -25.4% |
| Indiana | $816 | -$270 | -24.9% |
| Iowa | $734 | -$352 | -32.4% |
| Kansas | $1,034 | -$52 | -4.8% |
| Kentucky | $1,482 | $396 | 36.5% |
| Louisiana | $1,608 | $522 | 48.1% |
| Maine | $672 | -$414 | -38.1% |
| Maryland | $896 | -$190 | -17.5% |
| Massachusetts | $870 | -$216 | -19.9% |
| Michigan | $1,888 | $802 | 73.8% |
| Minnesota | $910 | -$176 | -16.2% |
| Mississippi | $1,302 | $216 | 19.9% |
| Missouri | $964 | -$122 | -11.2% |
| Montana | $1,168 | $82 | 7.6% |
| Nebraska | $856 | -$230 | -21.2% |
| Nevada | $1,304 | $218 | 20.1% |
| New Hampshire | $782 | -$304 | -28.0% |
| New Jersey | $1,214 | $128 | 11.8% |
| New Mexico | $964 | -$122 | -11.2% |
| New York | $1,146 | $60 | 5.5% |
| North Carolina | $626 | -$460 | -42.4% |
| North Dakota | $890 | -$196 | -18.0% |
| Ohio | $750 | -$336 | -30.9% |
| Oklahoma | $1,116 | $30 | 2.8% |
| Oregon | $996 | -$90 | -8.3% |
| Pennsylvania | $1,038 | -$48 | -4.4% |
| Rhode Island | $1,448 | $362 | 33.3% |
| South Carolina | $984 | -$102 | -9.4% |
| South Dakota | $918 | -$168 | -15.5% |
| Tennessee | $952 | -$134 | -12.3% |
| Texas | $1,310 | $224 | 20.6% |
| Utah | $804 | -$282 | -26.0% |
| Vermont | $744 | -$342 | -31.5% |
| Virginia | $652 | -$434 | -40.0% |
| Washington | $840 | -$246 | -22.7% |
| West Virginia | $996 | -$90 | -8.3% |
| Wisconsin | $752 | -$334 | -30.8% |
| Wyoming | $968 | -$118 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $310 each year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at least $1,300 to $1,800 additional each year, depending on your age. Honda CR-Z insurance for high-risk drivers is expensive and can cost anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Honda CR-Z | $202 | $252 | $474 | $1,086 |
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 Cheaper Honda CR-Z Insurance
Getting lower rates on Honda CR-Z insurance consists of being a good driver, having a good credit history, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following list is a condensed summary of the ideas that were covered in the above illustrations.
- Drivers age 16 to 20 are charged the highest prices, with premiums as much as $357 a month including comprehensive and collision insurance
- High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,240 more every year than a safer driver
- Increasing physical damage deductibles can save around $300 each year
- Drivers can save up to $120 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,280 |
| 20 | $2,466 |
| 30 | $1,110 |
| 40 | $1,086 |
| 50 | $996 |
| 60 | $974 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,284 |
| $250 | $1,194 |
| $500 | $1,086 |
| $1,000 | $982 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,086 |
| 50/100 | $1,181 |
| 100/300 | $1,299 |
| 250/500 | $1,607 |
| 100 CSL | $1,228 |
| 300 CSL | $1,489 |
| 500 CSL | $1,679 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,040 |
| 20 | $3,932 |
| 30 | $2,356 |
| 40 | $2,330 |
| 50 | $2,226 |
| 60 | $2,202 |
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 | $56 |
| Multi-vehicle | $58 |
| Homeowner | $19 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $40 |
| Advance Quote | $48 |
| Online Quote | $74 |
| Total Discounts | $430 |
Discounts are estimated and may not be available from every company or in every state.
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