Honda CR-Z Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 23, 2024
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Estimated insurance prices for a Honda CR-Z are $996 every 12 months including full coverage. Comprehensive insurance costs approximately $174, collision insurance costs $190, and liability costs around $474. A policy with only liability insurance costs as low as $522 a year, and a high-risk policy costs $2,128 or more. Teenage drivers pay the most at up to $3,994 a year.
Average premium for full coverage: $996
Premium estimates by type of coverage:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different CR-Z trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Honda CR-Z range from the cheapest price of $522 for the bare minimum liability coverage to a much higher rate of $2,128 for a high-risk driver policy.
Insurance Price Range by Location
Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using average rates.
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 Information
The chart below breaks down average Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best discount rate is $611
- Using higher $1,000 deductibles will save $84 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $996
- Using more expensive low deductibles for physical damage coverage costs an extra $156 every year
- Drivers who are prone to accidents and violations could pay around $2,128
- An auto insurance policy to insure a teen driver with full coverage can cost $3,994 or more
Car insurance prices for a Honda CR-Z also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your CR-Z.
Using high physical damage deductibles could cut prices by as much as $240 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,200 to $1,700 extra annually, depending on your age. High-risk driver insurance can be as much as 43% to 135% more than a normal policy. View High Risk Driver Rates
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 $760 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,420 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$96 | -9.6% |
| Alaska | $762 | -$234 | -23.5% |
| Arizona | $826 | -$170 | -17.1% |
| Arkansas | $996 | -$0 | 0.0% |
| California | $1,134 | $138 | 13.9% |
| Colorado | $952 | -$44 | -4.4% |
| Connecticut | $1,024 | $28 | 2.8% |
| Delaware | $1,128 | $132 | 13.3% |
| Florida | $1,246 | $250 | 25.1% |
| Georgia | $918 | -$78 | -7.8% |
| Hawaii | $714 | -$282 | -28.3% |
| Idaho | $672 | -$324 | -32.5% |
| Illinois | $742 | -$254 | -25.5% |
| Indiana | $748 | -$248 | -24.9% |
| Iowa | $670 | -$326 | -32.7% |
| Kansas | $946 | -$50 | -5.0% |
| Kentucky | $1,358 | $362 | 36.3% |
| Louisiana | $1,472 | $476 | 47.8% |
| Maine | $614 | -$382 | -38.4% |
| Maryland | $818 | -$178 | -17.9% |
| Massachusetts | $796 | -$200 | -20.1% |
| Michigan | $1,728 | $732 | 73.5% |
| Minnesota | $832 | -$164 | -16.5% |
| Mississippi | $1,192 | $196 | 19.7% |
| Missouri | $882 | -$114 | -11.4% |
| Montana | $1,068 | $72 | 7.2% |
| Nebraska | $784 | -$212 | -21.3% |
| Nevada | $1,194 | $198 | 19.9% |
| New Hampshire | $716 | -$280 | -28.1% |
| New Jersey | $1,112 | $116 | 11.6% |
| New Mexico | $882 | -$114 | -11.4% |
| New York | $1,048 | $52 | 5.2% |
| North Carolina | $574 | -$422 | -42.4% |
| North Dakota | $816 | -$180 | -18.1% |
| Ohio | $688 | -$308 | -30.9% |
| Oklahoma | $1,024 | $28 | 2.8% |
| Oregon | $910 | -$86 | -8.6% |
| Pennsylvania | $952 | -$44 | -4.4% |
| Rhode Island | $1,326 | $330 | 33.1% |
| South Carolina | $900 | -$96 | -9.6% |
| South Dakota | $840 | -$156 | -15.7% |
| Tennessee | $872 | -$124 | -12.4% |
| Texas | $1,198 | $202 | 20.3% |
| Utah | $736 | -$260 | -26.1% |
| Vermont | $682 | -$314 | -31.5% |
| Virginia | $596 | -$400 | -40.2% |
| Washington | $770 | -$226 | -22.7% |
| West Virginia | $910 | -$86 | -8.6% |
| Wisconsin | $690 | -$306 | -30.7% |
| Wyoming | $888 | -$108 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $224 | $292 | $464 | $1,138 |
| 2011 Honda CR-Z | $174 | $190 | $474 | $996 |
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 Shop for Cheap Honda CR-Z Insurance
Finding better rates on car insurance requires having a good driving record, maintaining a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Take the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a brief summary of the information covered in the above illustrations.
- You may be able to save around $110 per year just by shopping early and online
- Drivers age 20 and younger pay the highest auto insurance prices, with the cost nearing $333 per month if the policy includes full coverage
- Increasing policy deductibles could save as much as $250 each year
- Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,130 more per year to buy Honda CR-Z insurance
- Policyholders who purchase increased levels of liability coverage will pay an extra $520 per year to increase from 30/60 bodily injury limits to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,994 |
| 20 | $2,254 |
| 30 | $1,010 |
| 40 | $996 |
| 50 | $912 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,152 |
| $250 | $1,080 |
| $500 | $996 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $996 |
| 50/100 | $1,091 |
| 100/300 | $1,209 |
| 250/500 | $1,517 |
| 100 CSL | $1,138 |
| 300 CSL | $1,399 |
| 500 CSL | $1,589 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,616 |
| 20 | $3,592 |
| 30 | $2,144 |
| 40 | $2,128 |
| 50 | $2,034 |
| 60 | $2,012 |
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 | $50 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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