Honda CR-Z Insurance Rates

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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

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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:

Comprehensive $202
Collision $252
Liability $474

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.

Liability Only $522
Full Coverage $1,086
High Risk $2,330

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.

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

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

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing Honda CR-Z insurance prices range from $656 to $4,280 for full coverage

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.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

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

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

Honda CR-Z Insurance Rates by Model Year
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

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,284
$250 $1,194
$500 $1,086
$1,000 $982

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $144

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
Rate after discounts $656

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

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