Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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Average insurance rates for a Honda CR-Z are $996 a year with full coverage. Comprehensive insurance costs around $174 each year, collision costs $190, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,128 or more. 16-year-old drivers receive the highest rates at $3,994 a year or more.

Average premium for full coverage: $996

Rate estimates for individual coverage type:

Comprehensive $174
Collision $190
Liability $474

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and CR-Z models.

Price Range by Coverage and Risk

For the normal driver, prices range go from as low as $522 for a discount liability-only rate to a high rate of $2,128 for a driver who requires high-risk insurance.

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

Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population tend to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance rates.

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

These examples demonstrate why all drivers should compare rates for a specific zip code and risk profile, 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 details estimated Honda CR-Z insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $611
  • Drivers who choose higher $1,000 deductibles will pay about $84 annually
  • The average rate for a 40-year-old driver using $500 deductibles is $996
  • Buying low deductibles for comprehensive and collision insurance will cost an extra $156 each year
  • High-risk insureds with multiple tickets or accidents could pay at least $2,128 or more
  • The cost for full coverage for a teenage driver can be $3,994 a year

View Chart as Image

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

Car insurance rates for a Honda CR-Z can also vary considerably based on your driver profile, the trim level and model year, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $3,900 a year. View Rates by Age

Where you live makes a big difference in Honda CR-Z insurance rates. A 40-year-old driver could pay as low as $720 a year in states like New Hampshire, Ohio, and Utah, or at least $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

Opting for high physical damage deductibles could save up to $240 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at least $1,200 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 135% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out your exact price is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.

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 Low Cost Honda CR-Z Insurance

Saving money on auto insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct companies like GEICO and Progressive, and also from local independent and exclusive agents.

The items below are a review of the concepts that were presented in the illustrations above.

  • Drivers who have several accidents or serious violations pay an average of $1,130 more every year to insure their CR-Z
  • Teen drivers are the costliest to insure, with premiums as much as $333 per month if full coverage is included
  • You may be able to save up to $110 per year simply by quoting online in advance
  • Increasing deductibles can save around $250 each year
  • You may be able to save up to $110 per year simply by quoting online in advance

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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