Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $1,062 a year for full coverage insurance. Comprehensive costs around $198, collision insurance costs $228, and liability coverage is $478. Liability-only insurance costs around $526 a year, and high-risk driver insurance costs around $2,272. Teen drivers cost the most to insure at up to $4,200 a year.

Average premium for full coverage: $1,062

Policy rates for type of insurance:

Rates are based on $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all CR-Z models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how rural and urban location affects auto insurance rates.

The examples above illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $646
• Raising to $1,000 deductibles will save about $98 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,062
• Choosing pricier low deductibles will increase the cost to $1,244
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,272
• Policy cost for full coverage for a teenage driver for full coverage can be $4,200

View Chart as Image

Auto 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.

A more mature driver with a good driving record and high deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $4,200 a year. View Rates by Age

Your home state also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find rates as low as $700 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,440 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $280 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 extra every 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 $1,800 in extra premium every year, depending on your age. Honda CR-Z insurance for high-risk drivers is expensive and can cost around 43% to 126% more than average. View High Risk Driver Rates

How to Find the Best Cheap Honda CR-Z Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having good credit, being claim-free, and possibly raising deductibles. Set aside time to shop around once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a quick review of the data that was raised in the charts and tables above.

• It is possible to save up to $120 per year just by quoting online well ahead of the renewal date
• Consumers who may need increased levels of liability coverage will pay about $530 annually to raise from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, possibly costing $350 each month if they have full coverage
• Drivers with a DUI or reckless driving violation may pay on average $1,210 more every year to buy Honda CR-Z insurance