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 prices for a Honda CR-Z are $996 every 12 months for full coverage. Comprehensive insurance costs approximately $174, collision costs $190, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,128 or more. 16-year-old drivers pay the most at $3,994 a year or more.
Average premium for full coverage: $996
Premium estimates by type of coverage:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different 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 go from the cheapest price of $522 for liability-only coverage to a much higher rate of $2,128 for a high-risk driver policy.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities.
The price range example below illustrates the difference location can make on auto insurance prices.
These rate differences show why anyone shopping for car insurance should get quotes using their specific location and their own driving history, instead of 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.
Additional Charts and Tables
The chart below shows estimated Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $611
- Choosing higher $1,000 deductibles can save $84 a year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $996
- Buying more expensive low deductibles for comp and collision coverage costs an extra $156 every year
- Unlucky drivers with multiple tickets or accidents could pay around $2,128 or more
- An auto insurance policy to insure a teen driver with full coverage can cost $3,994 each year
Auto insurance prices for a Honda CR-Z also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your CR-Z.
Opting for high physical damage deductibles can save as much as $240 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $3,900 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,200 to $1,700 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 43% to 135% more than the average rate. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Honda CR-Z insurance prices. A good driver about age 40 could pay as low as $660 a year in states like Iowa, Maine, and Idaho, or at least $1,420 on average in New York, Louisiana, and Michigan.
| 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% |
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different.
| 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 More Affordable Honda CR-Z Insurance
Finding better rates on car insurance takes being a safe and courteous driver, having a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.
Below is a summary of the information touched on in this article.
- Drivers can save around $110 per year simply by shopping early and online
- Teenage drivers have the highest car insurance prices, as much as $333 per month if comprehensive and collision insurance is included
- Increasing policy deductibles could save as much as $250 each year
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,130 more per year for auto insurance
- Policyholders who purchase higher levels of liability will pay around $520 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
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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