Honda CR-Z Insurance Rates

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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 around $184 a year, collision costs $210, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,194 or more. 16-year-old drivers pay the most at $4,084 a year or more.

Average premium for full coverage: $1,026

Premium estimates for type of coverage:

Comprehensive $184
Collision $210
Liability $474

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes 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

For an average driver, insurance rates for a Honda CR-Z go from the low end price of $522 for just liability insurance to a high of $2,194 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance rates.

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

These rate differences demonstrate why it is important to compare rates quotes for a specific zip code, instead of making a decision based 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.

More Rate Details

The chart below details estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $627
  • Raising to $1,000 deductibles will save about $936 annually
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,026
  • Buying low $100 deductibles will cost an additional $168 annually
  • Drivers with multiple tickets or accidents could pay at least $2,194 or more
  • An auto insurance policy that insures a 16-year-old driver can be $4,084

View Chart as Image

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

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 deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 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 pay as low as $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 can expect to pay as much as $4,000 a year. View Rates by Age

Where you choose to live also has a big influence on Honda CR-Z insurance prices. A middle-age driver might find prices 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 can reduce prices by up to $260 annually, while buying higher liability limits will increase prices. 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

With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

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 Low Cost Honda CR-Z Insurance

Finding better rates on insurance for a Honda CR-Z consists of being a safe and courteous driver, having above-average credit, being claim-free, and insuring your home and auto with the same company. Comparison shop every year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

Below is a review of the coverage data covered in the above illustrations.

  • You may be able to save up to $110 per year simply by quoting early and online
  • Increasing policy deductibles can save approximately $250 each year
  • Teenage drivers pay higher prices, possibly costing $340 per month if full coverage is included
  • Drivers considered higher risk who have several accidents or serious violations may pay on average $1,170 more every year for auto insurance

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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