Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year with full coverage. Comprehensive costs on average $174 each year, collision costs $190, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing around $2,128. Teenage drivers cost the most to insure at $3,994 a year or more.

Average premium for full coverage: $996

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below details estimated Honda CR-Z insurance rates for different risk profiles and scenarios.

• The best discount rate is $611
• Using higher $1,000 deductibles will save around $84 annually
• The estimated price for a good driver age 40 with $500 deductibles is $996
• Using low deductibles for physical damage coverage bumps up the cost to $1,152
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,128 or more
• Policy cost that insures a teenage driver may cost $3,994 or more

View Chart as Image

Insurance rates for a Honda CR-Z also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be around 43% to 135% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $3,900 a year. View Rates by Age

Your home state has a huge impact on Honda CR-Z insurance rates. A driver around age 40 might see rates as low as $720 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,350 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $240 a year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied.

How to Find Cheap Honda CR-Z Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having above-average credit, not filing small claims, and bundling your home and auto policies. Compare prices every time your policy renews by getting rate quotes from direct companies, and also from several local insurance agents.

The next list is a brief summary of the information covered in the above illustrations.

• You may be able to save as much as $110 per year simply by quoting online in advance
• Drivers age 20 and younger pay the highest rates, as much as $333 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $250 each year
• Drivers that tend to have accidents or serious violations pay on average $1,130 more each year to buy Honda CR-Z insurance
• Consumers who require increased levels of liability coverage will pay an extra $520 every year to increase from a 30/60 limit to the 250/500 level