Honda CR-Z Insurance Rates
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UPDATED: Jun 4, 2023
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Estimated insurance rates for a Honda CR-Z are $1,062 a year including full coverage. Comprehensive costs approximately $198, collision costs $228, and liability coverage is $478. A policy with only liability insurance costs around $526 a year, with a high-risk policy costing around $2,272. Teen drivers pay the most at $4,200 a year or more.
Average premium for full coverage: $1,062
Premium estimates by type of coverage:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all CR-Z models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Honda CR-Z go from the low end price of $526 for just liability coverage to the much higher price of $2,272 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
These rate differences highlight why everyone should compare rates quotes using their specific location, rather than 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.
Detailed Rate Analysis
The chart below breaks down estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $646
- Raising to $1,000 deductibles will save $98 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,062
- Choosing pricier low deductibles bumps up the cost to $1,244
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,272 or more
- An auto insurance policy that insures a teenage driver for full coverage can cost $4,200
Car insurance prices for a Honda CR-Z also have a wide range based on the model of your CR-Z, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,200 to $1,800 extra annually, depending on your age. Honda CR-Z insurance for high-risk drivers is expensive and can cost around 43% to 126% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $4,200 a year. View Rates by Age
Where you choose to live also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find prices as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,520 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce prices by up to $280 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes will be substantially different.
| 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 Find Low Cost Honda CR-Z Insurance
Finding better rates on auto insurance consists of avoiding accidents and violations, having a positive credit history, refrain from filing small claims, and avoiding coverage lapses. Shop around every time your policy renews by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The list below is a review of the information raised in the charts and tables above.
- You may be able to save around $120 per year simply by quoting online well ahead of the renewal date
- Teenagers pay the highest auto insurance prices, with the cost nearing $350 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $275 each year
- Drivers who have several accidents or serious violations will likely pay on average $1,210 more per year for car insurance
- Consumers who purchase higher liability limits will pay about $530 per year to raise from 30/60 bodily injury limits to the 250/500 level
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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