Honda CR-Z Insurance Rates
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Michelle Robbins
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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...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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Average insurance rates for a Honda CR-Z are $996 a year for full coverage. Comprehensive costs on average $174, collision insurance costs $190, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,128. Teen drivers receive the highest rates at up to $3,994 a year.
Average premium for full coverage: $996
Rate estimates by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different CR-Z trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $522 for basic liability insurance to a much higher rate of $2,128 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, 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.
Rate Comparisons
The chart below shows average Honda CR-Z insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $611
- Using higher $1,000 deductibles will save around $84 a year
- The average rate for a 40-year-old driver with $500 deductibles is $996
- Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,152
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,128
- The cost for full coverage for a teenage driver with full coverage may cost $3,994 or more
Auto insurance rates for a Honda CR-Z can also vary considerably based on your driver profile, the trim level of your CR-Z, and policy deductibles and limits.
An older driver with a good driving record and high deductibles may only pay around $900 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $3,900 a year. View Rates by Age
Where you live has a huge impact on Honda CR-Z insurance rates. A driver around age 40 might see rates as low as $660 a year in states like Idaho, Maine, and Iowa, or as much as $1,420 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could cut rates by as much as $240 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,200 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance can be around 43% to 135% more than average. View High Risk Driver Rates
| 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 Find the Best Honda CR-Z Insurance
Saving money on auto insurance requires avoiding accidents and violations, having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to compare rates once a year by getting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
The list below is a brief recap of the data that was covered above.
- Drivers can save as much as $110 per year just by shopping early and online
- Consumers who require higher liability limits will pay about $520 each year to increase from a minimum limit to 250/500 limits
- Teenagers are charged the highest rates, costing as high as $333 per month if they have full coverage
- Drivers who tend to receive serious violations will pay on average $1,130 more each year for car insurance
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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