Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $1,026 a year for full coverage insurance. Comprehensive costs approximately $184 a year, collision insurance costs $210, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,194. Teenage drivers cost the most to insure at up to $4,084 a year.

Average premium for full coverage: $1,026

Policy rates by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates average Honda CR-Z insurance rates for additional coverage and risk scenarios.

• The best discount rate is $627
• Raising to $1,000 deductibles will save $936 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,026
• Using low $100 deductibles will increase the cost to $1,194
• Unlucky drivers who are prone to accidents and violations could pay around $2,194
• Policy cost for full coverage for a teenage driver can cost $4,084

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find rates as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,390 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $260 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Honda CR-Z Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining good credit, being claim-free, and possibly raising deductibles. Take the time to comparison shop at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the primary concepts that were touched on in the above illustrations.

• It is possible to save around $110 per year just by quoting early and online
• Drivers that tend to have accidents or serious violations may pay on average $1,170 more per year to insure a Honda CR-Z
• Increasing comprehensive and collision deductibles can save around $250 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $340 each month for full coverage