Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $996 a year for full coverage insurance. Comprehensive costs around $174 a year, collision insurance costs $190, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,128. Teens cost the most to insure at up to $3,994 a year.

Average premium for full coverage: $996

Policy rates for type of insurance:

Includes $500 deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and CR-Z trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

More Rate Details

The chart below illustrates average Honda CR-Z insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $611
• Using higher $1,000 deductibles will save about $912 each year
• The average rate for a good driver age 40 using $500 deductibles is $996
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,152
• Higher-risk drivers with serious driving violations could pay at least $2,128
• Policy cost for full coverage for a teenage driver can be $3,994 or more

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 deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $3,900 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $240 a year, while buying higher liability limits will increase rates. 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 at least $1,200 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than the average policy. View High Risk Driver Rates

How to Find the Cheapest Honda CR-Z Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a recap of the car insurance concepts covered above.

• Drivers that have major violations or accidents may pay on average $1,130 more every year for CR-Z insurance
• It is possible to save up to $110 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $250 each year
• Consumers who may need higher liability limits will pay approximately $520 annually to increase from a 30/60 limit to 250/500 limits