Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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The average insurance rates for a Honda CR-Z are $996 a year with full coverage. Comprehensive costs around $174 a year, collision costs $190, and liability coverage costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,128. 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:

Comprehensive $174
Collision $190
Liability $474

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and CR-Z trim levels.

Price Range Variability

For a driver around age 40, Honda CR-Z insurance rates go from the low end price of $522 for basic liability insurance to a high of $2,128 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $996
High Risk $2,128

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $747
Small Cities $1,046
Large Cities $1,345

The examples above demonstrate why it is important to compare prices for a specific zip code, rather than using 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.

Rate Comparisons

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

  • The best discount rate is $611
  • Using higher $1,000 deductibles will save about $912 annually
  • The estimated price for a good driver age 40 using $500 deductibles is $996
  • Using low $100 deductibles for physical damage coverage bumps up the cost to $1,152
  • Higher-risk drivers who are prone to accidents and violations could pay at least $2,128 or more
  • Policy cost that insures a teenage driver can be $3,994 or more

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing full coverage Honda CR-Z insurance rates range from $611 to $3,994

Auto insurance rates for a Honda CR-Z also range considerably based on the trim level of your CR-Z, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,200 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have 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 $720 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,350 on average in Florida, Michigan, and New York.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city

Using high physical damage deductibles could cut rates by as much as $240 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

Honda CR-Z Insurance Rates by Model Year
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 Find Cheap Honda CR-Z Insurance

Finding cheaper rates on auto insurance requires having a good driving record, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at every other renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The next list is a brief summary of the concepts that were covered above.

  • Drivers that tend to have accidents or serious violations may pay on average $1,130 more every year to buy Honda CR-Z insurance
  • Drivers age 20 and younger are expensive to insure, as much as $333 each month if the policy includes full coverage
  • You may be able to save up to $110 per year simply by quoting early and online
  • Increasing comprehensive and collision deductibles can save approximately $250 each year
  • You may be able to save up to $110 per year simply by quoting early and online

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,152
$250 $1,080
$500 $996
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $130

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
Rate after discounts $611

Discounts are estimated and may not be available from every company or in every state.

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