Honda CR-Z Insurance Rates

The average insurance prices for a Honda CR-Z are $996 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $174, collision insurance costs $190, and liability costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,128 or more. 16-year-old drivers cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The price range example below illustrates how location impacts insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below illustrates average Honda CR-Z insurance rates for other coverage scenarios.

• The best full coverage rate is $611
• Using higher $1,000 deductibles will save approximately $84 each year
• The average price for a good driver age 40 who has $500 deductibles is $996
• Buying more expensive low deductibles for physical damage coverage costs an extra $156 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,128
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $3,994 or more

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

Opting for high physical damage deductibles could cut rates by as much as $240 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $3,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,200 to $1,700 extra every year, depending on your age. High-risk driver insurance can be from 43% to 135% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates as low as $650 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,350 on average in Florida, New York, and Michigan.

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How to Shop for the Best Honda CR-Z Insurance

Finding cheaper rates on insurance for a Honda CR-Z requires being a good driver, having good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the data that was touched on above.

• It is possible to save approximately $110 per year just by shopping early and online
• Insureds who want an increased level of liability coverage will pay around $520 annually to increase from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, possibly costing $333 each month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,130 more annually than a safer driver