Honda CR-Z Insurance Rates
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Michelle Robbins
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UPDATED: Apr 23, 2024
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Estimated auto insurance rates for a Honda CR-Z are $996 annually for full coverage insurance. Comprehensive costs on average $174, 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. Teen drivers pay the most at up to $3,994 a year.
Average premium for full coverage: $996
Premium estimates by type of coverage:
Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for all CR-Z models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Honda CR-Z range from as cheap as $522 for your basic liability-only policy to the much higher price of $2,128 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than larger metro areas. The example below illustrates how location helps determine car insurance rates.
These rate differences illustrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on price 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 Information
The chart below illustrates average Honda CR-Z insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $611
- Drivers who choose higher $1,000 deductibles will pay around $84 each year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $996
- Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,152
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,128
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $3,994 a year
Auto insurance prices for a Honda CR-Z also have a wide range based on the model of your CR-Z, your risk profile, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $3,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,200 to $1,700 in extra premium annually, depending on your age. Honda CR-Z insurance for high-risk drivers can cost from 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $240 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live 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 as much as $1,350 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $900 | -$96 | -9.6% |
| Alaska | $762 | -$234 | -23.5% |
| Arizona | $826 | -$170 | -17.1% |
| Arkansas | $996 | -$0 | 0.0% |
| California | $1,134 | $138 | 13.9% |
| Colorado | $952 | -$44 | -4.4% |
| Connecticut | $1,024 | $28 | 2.8% |
| Delaware | $1,128 | $132 | 13.3% |
| Florida | $1,246 | $250 | 25.1% |
| Georgia | $918 | -$78 | -7.8% |
| Hawaii | $714 | -$282 | -28.3% |
| Idaho | $672 | -$324 | -32.5% |
| Illinois | $742 | -$254 | -25.5% |
| Indiana | $748 | -$248 | -24.9% |
| Iowa | $670 | -$326 | -32.7% |
| Kansas | $946 | -$50 | -5.0% |
| Kentucky | $1,358 | $362 | 36.3% |
| Louisiana | $1,472 | $476 | 47.8% |
| Maine | $614 | -$382 | -38.4% |
| Maryland | $818 | -$178 | -17.9% |
| Massachusetts | $796 | -$200 | -20.1% |
| Michigan | $1,728 | $732 | 73.5% |
| Minnesota | $832 | -$164 | -16.5% |
| Mississippi | $1,192 | $196 | 19.7% |
| Missouri | $882 | -$114 | -11.4% |
| Montana | $1,068 | $72 | 7.2% |
| Nebraska | $784 | -$212 | -21.3% |
| Nevada | $1,194 | $198 | 19.9% |
| New Hampshire | $716 | -$280 | -28.1% |
| New Jersey | $1,112 | $116 | 11.6% |
| New Mexico | $882 | -$114 | -11.4% |
| New York | $1,048 | $52 | 5.2% |
| North Carolina | $574 | -$422 | -42.4% |
| North Dakota | $816 | -$180 | -18.1% |
| Ohio | $688 | -$308 | -30.9% |
| Oklahoma | $1,024 | $28 | 2.8% |
| Oregon | $910 | -$86 | -8.6% |
| Pennsylvania | $952 | -$44 | -4.4% |
| Rhode Island | $1,326 | $330 | 33.1% |
| South Carolina | $900 | -$96 | -9.6% |
| South Dakota | $840 | -$156 | -15.7% |
| Tennessee | $872 | -$124 | -12.4% |
| Texas | $1,198 | $202 | 20.3% |
| Utah | $736 | -$260 | -26.1% |
| Vermont | $682 | -$314 | -31.5% |
| Virginia | $596 | -$400 | -40.2% |
| Washington | $770 | -$226 | -22.7% |
| West Virginia | $910 | -$86 | -8.6% |
| Wisconsin | $690 | -$306 | -30.7% |
| Wyoming | $888 | -$108 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $224 | $292 | $464 | $1,138 |
| 2011 Honda CR-Z | $174 | $190 | $474 | $996 |
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 More Affordable Honda CR-Z Insurance
Finding better rates on insurance for a Honda CR-Z not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest time comparing rates once a year by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.
The next list is a summary of the data that was covered in the charts and tables above.
- It is possible to save as much as $110 per year just by quoting online well ahead of the renewal date
- Insureds who require increased levels of liability coverage will pay about $520 annually to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger are charged the highest prices, with premiums being up to $333 per month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,130 more each year to buy Honda CR-Z insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,994 |
| 20 | $2,254 |
| 30 | $1,010 |
| 40 | $996 |
| 50 | $912 |
| 60 | $892 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,152 |
| $250 | $1,080 |
| $500 | $996 |
| $1,000 | $912 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $996 |
| 50/100 | $1,091 |
| 100/300 | $1,209 |
| 250/500 | $1,517 |
| 100 CSL | $1,138 |
| 300 CSL | $1,399 |
| 500 CSL | $1,589 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,616 |
| 20 | $3,592 |
| 30 | $2,144 |
| 40 | $2,128 |
| 50 | $2,034 |
| 60 | $2,012 |
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 | $50 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $58 |
| 5-yr Claim Free | $62 |
| Paid in Full/EFT | $35 |
| Advance Quote | $42 |
| Online Quote | $67 |
| Total Discounts | $385 |
Discounts are estimated and may not be available from every company or in every state.
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