Honda CR-Z Insurance Rates

The average auto insurance rates for a Honda CR-Z are $996 annually for full coverage insurance. Comprehensive costs on average $174 each year, collision insurance costs $190, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,128. 16-year-old drivers cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, instead of using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $611
• Drivers who choose higher $1,000 deductibles will pay around $84 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $996
• Buying low deductibles for comprehensive and collision insurance will cost $1,152
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,128
• Policy cost with full coverage for a teen driver may cost $3,994 a year

View Chart as Image

Car insurance rates for a Honda CR-Z also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $3,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $240 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Honda CR-Z insurance prices. A 40-year-old driver could pay as low as $650 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,350 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Cheaper Honda CR-Z Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the data raised in the charts and tables above.

• Policyholders who require higher liability limits will pay around $520 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save as much as $110 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $250 each year
• Teenagers are expensive to insure, possibly costing $333 each month if comprehensive and collision insurance is included