Honda CR-Z Insurance Rates

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2016 Honda CR-Z Insurance Cost in 2025 – 8 Policy Discounts

Trying to come up with a payment for overpriced insurance coverage can take a big chunk out of your accounts and possibly require you to analyze your spending habits. Performing a rate comparison can lower your rates and help to make sure you're not throwing money away. Due to the increasing number of options when it comes to insurance coverage, it is very difficult to pick the cheapest insurer. ...

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UPDATED: Apr 23, 2024

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Estimated insurance rates for a Honda CR-Z are $1,026 a year with full coverage. Comprehensive insurance costs on average $184 a year, collision insurance costs $210, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs $2,194 or more. 16-year-old drivers pay the most at up to $4,084 a year.

Average premium for full coverage: $1,026

Premium estimates by type of coverage:

Comprehensive $184
Collision $210
Liability $474

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and CR-Z trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Honda CR-Z range from the low end price of $522 for basic liability insurance to a high of $2,194 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,026
High Risk $2,194

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

Rural Areas $770
Small Cities $1,077
Large Cities $1,385

These rate differences demonstrate why it is important to compare rates based on a specific location, rather than using rate 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 details average Honda CR-Z insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $627
  • Drivers who choose higher $1,000 deductibles will pay around $936 annually
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,026
  • Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $168 each year
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,194
  • An auto insurance policy that insures a teenage driver may cost $4,084 a year

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing Honda CR-Z insurance prices range from $627 to $4,084 for full coverage

Insurance prices for a Honda CR-Z also have a wide range based on the trim level of your CR-Z, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $740 a year in states like New Hampshire, Ohio, and Utah, or at least $1,390 on average in Florida, Michigan, and New York.

Honda CR-Z Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $928 -$98 -9.6%
Alaska $786 -$240 -23.4%
Arizona $850 -$176 -17.2%
Arkansas $1,026 -$0 0.0%
California $1,168 $142 13.8%
Colorado $980 -$46 -4.5%
Connecticut $1,056 $30 2.9%
Delaware $1,162 $136 13.3%
Florida $1,284 $258 25.1%
Georgia $946 -$80 -7.8%
Hawaii $736 -$290 -28.3%
Idaho $692 -$334 -32.6%
Illinois $764 -$262 -25.5%
Indiana $770 -$256 -25.0%
Iowa $692 -$334 -32.6%
Kansas $974 -$52 -5.1%
Kentucky $1,398 $372 36.3%
Louisiana $1,516 $490 47.8%
Maine $634 -$392 -38.2%
Maryland $844 -$182 -17.7%
Massachusetts $822 -$204 -19.9%
Michigan $1,782 $756 73.7%
Minnesota $858 -$168 -16.4%
Mississippi $1,226 $200 19.5%
Missouri $910 -$116 -11.3%
Montana $1,102 $76 7.4%
Nebraska $808 -$218 -21.2%
Nevada $1,230 $204 19.9%
New Hampshire $736 -$290 -28.3%
New Jersey $1,146 $120 11.7%
New Mexico $908 -$118 -11.5%
New York $1,080 $54 5.3%
North Carolina $590 -$436 -42.5%
North Dakota $840 -$186 -18.1%
Ohio $706 -$320 -31.2%
Oklahoma $1,052 $26 2.5%
Oregon $938 -$88 -8.6%
Pennsylvania $980 -$46 -4.5%
Rhode Island $1,368 $342 33.3%
South Carolina $928 -$98 -9.6%
South Dakota $866 -$160 -15.6%
Tennessee $898 -$128 -12.5%
Texas $1,236 $210 20.5%
Utah $760 -$266 -25.9%
Vermont $704 -$322 -31.4%
Virginia $614 -$412 -40.2%
Washington $794 -$232 -22.6%
West Virginia $938 -$88 -8.6%
Wisconsin $710 -$316 -30.8%
Wyoming $914 -$112 -10.9%

View Chart as Image

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

Opting for high physical damage deductibles could save up to $260 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

Honda CR-Z Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Honda CR-Z $232 $310 $460 $1,160
2011 Honda CR-Z $184 $210 $474 $1,026

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 Cheapest Honda CR-Z Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and determing if full coverage is necessary. Comparison shop every other policy renewal by getting price quotes from direct companies, and also from several local insurance agents.

The following items are a recap of the ideas that were raised in the charts and tables above.

  • 16 to 18-year-old drivers pay the highest prices, possibly costing $340 per month if full coverage is included
  • Drivers that have major violations or accidents pay on average $1,170 more each year than a driver with a clean driving record
  • Increasing policy deductibles can save approximately $250 each year
  • You may be able to save as much as $110 per year just by quoting early and online

Rates by Driver Age

Honda CR-Z Insurance Rates by Driver Age
Driver Age Premium
16 $4,084
20 $2,322
30 $1,044
40 $1,026
50 $940
60 $920

Full coverage, $500 deductibles

Rates by Deductible

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,194
$250 $1,118
$500 $1,026
$1,000 $936

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,026
50/100 $1,121
100/300 $1,239
250/500 $1,547
100 CSL $1,168
300 CSL $1,429
500 CSL $1,619

Full coverage, driver age 40

Rates for High Risk Drivers

Honda CR-Z Insurance Rates for High Risk Drivers
Age Premium
16 $5,752
20 $3,700
30 $2,212
40 $2,194
50 $2,096
60 $2,072

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 $135

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $52
Multi-vehicle $54
Homeowner $18
5-yr Accident Free $61
5-yr Claim Free $64
Paid in Full/EFT $37
Advance Quote $44
Online Quote $69
Total Discounts $399
Rate after discounts $627

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

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