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 for full coverage. Comprehensive costs approximately $184, collision costs $210, and liability insurance is $474. A policy with only liability insurance costs around $522 a year, with a high-risk policy costing around $2,194. 16-year-old drivers pay the most at $4,084 a year or more.
Average premium for full coverage: $1,026
Premium estimates by type of coverage:
These estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all CR-Z models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Honda CR-Z go from as low as $522 for just liability coverage to the much higher price of $2,194 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.
The example below illustrates the difference location can make on auto insurance prices.
These rate differences show why everyone should compare rates quotes using their specific location and risk profile, 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.
Detailed Rate Analysis
The chart below shows estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $627
- Raising to $1,000 deductibles will save $90 a year
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,026
- Buying pricier low deductibles will increase the cost to $1,194
- Higher-risk drivers with multiple tickets or accidents could pay around $2,194 or more
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,084
Car insurance prices for a Honda CR-Z also have a wide range based on your driving characteristics, the trim level of your CR-Z, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles could pay as little as $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
Where you choose to live also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find prices as low as $680 a year in states like Iowa, Maine, and Idaho, or at least $1,460 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $260 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,200 to $1,700 extra annually, depending on your age. Honda CR-Z insurance for high-risk drivers is expensive and can cost anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.
| 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 Cheap Honda CR-Z Insurance
Finding better rates on Honda CR-Z insurance consists of being a good driver, having above-average credit, not filing small claims, and avoiding coverage lapses. Make time to compare rates once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a brief summary of the data that was touched on in this article.
- Drivers can save around $110 per year simply by quoting online well ahead of the renewal date
- Drivers who purchase an increased level of liability coverage will pay around $520 each year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 pay the highest auto insurance prices, as much as $340 per month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,170 more per year than a safer driver
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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