Honda CR-Z Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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 including full coverage. Comprehensive costs around $184 a year, collision insurance costs $210, and liability coverage costs $474. A policy with only liability insurance costs as little as $522 a year, and a high-risk policy costs around $2,194. 16-year-old drivers pay the most at up to $4,084 a year.
Average premium for full coverage: $1,026
Premium estimates for type of coverage:
Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and CR-Z trim levels.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Honda CR-Z range from the low end price of $522 for a discount liability-only rate to a high of $2,194 for a high-risk driver policy.
Insurance Price Range by Location
Your location has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.
These rate differences highlight why it is important to compare rates for a specific zip code, 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.
Rates by State, City, and Model
The chart below breaks down average Honda CR-Z insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $627
- Drivers who choose higher $1,000 deductibles will pay about $936 every year
- The estimated price for a 40-year-old good driver using $500 deductibles is $1,026
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,194
- High-risk insureds with multiple tickets or accidents could pay at least $2,194
- An auto insurance policy that insures a teenage driver can be $4,084 a year
Car insurance prices for a Honda CR-Z also have a wide range based on the trim level of your CR-Z, your driving record and age, and deductibles and policy limits.
If you have a few violations or you caused an accident, you are likely paying at least $1,200 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,000 per year on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,000 a year. View Rates by Age
Where you choose to live makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $790 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,460 on average in Michigan, New York, and Louisiana.
| 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 could save up to $260 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Low Cost Honda CR-Z Insurance
Finding better rates on auto insurance not only requires being a low-risk driver, but also having a positive credit history, refrain from filing small claims, and consideration of higher deductibles. Comparison shop every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a review of the information touched on in this article.
- You may be able to save up to $110 per year just by quoting early and online
- Teen drivers are the costliest to insure, with the cost nearing $340 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $250 each year
- Drivers who have several accidents or serious violations may have to pay on average $1,170 more every year to insure their CR-Z
- Consumers who may need more liability coverage will pay around $520 per year to go from 30/60 bodily injury limits to the 250/500 level
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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