Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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U.S. average auto insurance rates for a Honda CR-Z are $1,026 annually with full coverage. Comprehensive costs an estimated $184 a year, collision costs $210, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing around $2,194. 16-year-old drivers pay the highest rates at $4,084 a year or more.
Average premium for full coverage: $1,026
Price estimates broken down by individual coverage:
Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and CR-Z trim levels.
Price Range from Low to High
For the average driver, Honda CR-Z insurance prices go from as cheap as $522 for your basic liability-only policy to a high of $2,194 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on car insurance rates. More rural locations have fewer collision claims than congested cities.
The diagram below illustrates how location impacts insurance prices.
The ranges above demonstrate why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using 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.
More Rate Information
The chart below details estimated Honda CR-Z insurance rates for other coverage scenarios.
- The best full coverage rate is $627
- Raising to $1,000 deductibles will save approximately $936 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,026
- Buying low $100 deductibles will cost $1,194
- Unlucky drivers with multiple tickets or accidents could pay up to $2,194 or more
- The price with full coverage for a teenage driver can cost as much as $4,084
Insurance prices for a Honda CR-Z are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,000 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,000 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,200 to $1,700 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $260 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find prices as low as $740 a year in states like Utah, Ohio, and New Hampshire, or at least $1,390 on average in New York, Michigan, and Florida.
| 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% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices may be quite different between companies.
| 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 Buy the Best Honda CR-Z Insurance
Getting lower rates on auto insurance consists of being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
Below is a brief recap of the car insurance concepts touched on above.
- Drivers who tend to receive serious violations pay on average $1,170 more annually for auto insurance
- You may be able to save approximately $110 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $250 each year
- Consumers who want higher levels of liability will pay around $520 every year to raise from a low limit to higher 250/500 limits
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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