Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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The average auto insurance rates for a Honda CR-Z are $1,026 annually including full coverage. Comprehensive insurance costs on average $184 each year, collision costs $210, and liability insurance costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,194 or more. 16-year-old drivers cost the most to insure at $4,084 a year or more.
Average premium for full coverage: $1,026
Policy rates by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and CR-Z models.
Price Range Variability
For a driver around age 40, Honda CR-Z insurance rates go from as cheap as $522 for liability-only coverage to a high rate of $2,194 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above highlight why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on 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.
Additional Charts and Tables
The chart below breaks down estimated 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 $90 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,026
- Buying low deductibles for comprehensive and collision insurance costs an additional $168 a year
- High risk drivers with multiple tickets or accidents could pay upwards of $2,194 or more
- Policy cost with full coverage for a teen driver may cost $4,084 a year
Insurance rates for a Honda CR-Z also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,000 per year on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $260 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,460 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, and rates will be varied between companies.
| 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 Buy Affordable Honda CR-Z Insurance
Finding cheaper rates on Honda CR-Z insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at every policy renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief review of the data covered above.
- Drivers who require additional liability coverage will pay around $520 per year to go from a 30/60 limit to higher 250/500 limits
- You may be able to save as much as $110 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles could save up to $250 each year
- 16 to 18-year-old drivers pay higher rates, with premiums being up to $340 each month if they have full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,194 |
| $250 | $1,118 |
| $500 | $1,026 |
| $1,000 | $936 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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