Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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The average insurance prices for a Honda CR-Z are $996 every 12 months including full coverage. Comprehensive insurance costs around $174 a year, collision costs $190, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,128 or more. Teenage drivers cost the most to insure at $3,994 a year or more.
Average premium for full coverage: $996
Policy rates for type of insurance:
Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and CR-Z trim levels.
Price Range Variability
For the normal driver, Honda CR-Z insurance rates go from the cheapest price of $522 for a discount liability-only rate to a high of $2,128 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates how geographic area affects auto insurance rates.
The examples above highlight why it is important to compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.
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.
Rates by State, City, and Model
The chart below breaks down estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The best discount rate is $611
- Drivers who choose higher $1,000 deductibles will pay about $912 every year
- The average price for a good driver age 40 using $500 deductibles is $996
- Using low $100 deductibles for comprehensive and collision insurance costs an extra $156 annually
- Drivers who are prone to accidents and violations could pay at least $2,128 or more
- Policy cost to insure a 16-year-old driver can be $3,994 a year
Insurance rates for a Honda CR-Z also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles could save up to $240 annually, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may pay as low as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 likely paying at least $1,200 to $1,700 additional every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 135% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Honda CR-Z insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,420 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out your exact price is to get quotes from multiple companies. Every company uses a different method to calculate rates, and rates will be varied.
| 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 Shop for the Best Honda CR-Z Insurance
Finding cheaper rates on insurance for a Honda CR-Z not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every other policy renewal by quoting rates from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a brief recap of the ideas that were presented in the illustrations above.
- Youthful drivers are charged the highest rates, with premiums being up to $333 each month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,130 more every year than a low-risk driver
- Increasing comprehensive and collision deductibles could save as much as $250 each year
- You may be able to save up to $110 per year simply by quoting early and online
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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