Honda CR-Z Insurance Rates

U.S. average auto insurance rates for a Honda CR-Z are $996 annually including full coverage. Comprehensive costs on average $174 a year, collision insurance costs $190, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs around $2,128. 16-year-old drivers pay the highest rates at up to $3,994 a year.

Average premium for full coverage: $996

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and CR-Z trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have fewer comprehensive and collision claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below breaks down average Honda CR-Z insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $611
• Raising to $1,000 deductibles will save around $912 every year
• The estimated rate for the average middle-age driver with $500 deductibles is $996
• Buying low $100 deductibles will cost $1,152
• Drivers with multiple tickets or accidents could pay upwards of $2,128
• The price with full coverage for a 16-year-old driver may cost $3,994

View Chart as Image

Insurance prices for a Honda CR-Z are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,200 to $1,700 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $240 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Honda CR-Z insurance prices. A middle-age driver might find prices as low as $760 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,420 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy the Best Cheap Honda CR-Z Insurance

Getting lower rates on insurance for a Honda CR-Z consists of avoiding accidents and violations, having good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a quick review of the primary concepts that were covered above.

• You may be able to save as much as $110 per year just by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,130 more each year for car insurance
• Increasing physical damage deductibles could save up to $250 each year
• Teenagers pay higher prices, possibly costing $333 a month if they have full coverage