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 $1,026 a year including full coverage. Comprehensive insurance costs approximately $184, collision insurance costs $210, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,194 or more. Teenage drivers receive the highest rates at up to $4,084 a year.
Average premium for full coverage: $1,026
Rate estimates by individual coverage type:
Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different CR-Z trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from as low as $522 for basic liability insurance to a much higher rate of $2,194 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of 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 breaks down average Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The best discount rate is $627
- Using higher $1,000 deductibles will save $90 every year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,026
- Using more expensive low deductibles for physical damage coverage will cost an extra $168 every year
- Drivers who are prone to accidents and violations could pay around $2,194
- The cost for full coverage for a teen driver with full coverage can cost $4,084 or more
Car insurance rates for a Honda CR-Z can also vary considerably based on your driver profile, the model of your CR-Z, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,000 a year. View Rates by Age
Where you live has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,460 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $928 | -$98 | -9.6% |
Alaska | $786 | -$240 | -23.4% |
Arizona | $850 | -$176 | -17.2% |
Arkansas | $1,026 | -$0 | 0.0% |
California | $1,168 | $142 | 13.8% |
Colorado | $980 | -$46 | -4.5% |
Connecticut | $1,056 | $30 | 2.9% |
Delaware | $1,162 | $136 | 13.3% |
Florida | $1,284 | $258 | 25.1% |
Georgia | $946 | -$80 | -7.8% |
Hawaii | $736 | -$290 | -28.3% |
Idaho | $692 | -$334 | -32.6% |
Illinois | $764 | -$262 | -25.5% |
Indiana | $770 | -$256 | -25.0% |
Iowa | $692 | -$334 | -32.6% |
Kansas | $974 | -$52 | -5.1% |
Kentucky | $1,398 | $372 | 36.3% |
Louisiana | $1,516 | $490 | 47.8% |
Maine | $634 | -$392 | -38.2% |
Maryland | $844 | -$182 | -17.7% |
Massachusetts | $822 | -$204 | -19.9% |
Michigan | $1,782 | $756 | 73.7% |
Minnesota | $858 | -$168 | -16.4% |
Mississippi | $1,226 | $200 | 19.5% |
Missouri | $910 | -$116 | -11.3% |
Montana | $1,102 | $76 | 7.4% |
Nebraska | $808 | -$218 | -21.2% |
Nevada | $1,230 | $204 | 19.9% |
New Hampshire | $736 | -$290 | -28.3% |
New Jersey | $1,146 | $120 | 11.7% |
New Mexico | $908 | -$118 | -11.5% |
New York | $1,080 | $54 | 5.3% |
North Carolina | $590 | -$436 | -42.5% |
North Dakota | $840 | -$186 | -18.1% |
Ohio | $706 | -$320 | -31.2% |
Oklahoma | $1,052 | $26 | 2.5% |
Oregon | $938 | -$88 | -8.6% |
Pennsylvania | $980 | -$46 | -4.5% |
Rhode Island | $1,368 | $342 | 33.3% |
South Carolina | $928 | -$98 | -9.6% |
South Dakota | $866 | -$160 | -15.6% |
Tennessee | $898 | -$128 | -12.5% |
Texas | $1,236 | $210 | 20.5% |
Utah | $760 | -$266 | -25.9% |
Vermont | $704 | -$322 | -31.4% |
Virginia | $614 | -$412 | -40.2% |
Washington | $794 | -$232 | -22.6% |
West Virginia | $938 | -$88 | -8.6% |
Wisconsin | $710 | -$316 | -30.8% |
Wyoming | $914 | -$112 | -10.9% |
Using high physical damage deductibles could cut rates by as much as $260 every year, while increasing your policy's liability limits will push rates upward. Changing 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 are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2016 Honda CR-Z | $232 | $310 | $460 | $1,160 |
2011 Honda CR-Z | $184 | $210 | $474 | $1,026 |
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 the Cheapest Honda CR-Z Insurance
Saving money on car insurance requires being a low-risk driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Set aside time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.
The items below are a recap of the ideas that were covered above.
- Teen drivers pay the highest auto insurance rates, as much as $340 per month if full coverage is included
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,170 more per year to insure their CR-Z
- Increasing deductibles can save around $250 each year
- You may be able to save around $110 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,084 |
20 | $2,322 |
30 | $1,044 |
40 | $1,026 |
50 | $940 |
60 | $920 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,194 |
$250 | $1,118 |
$500 | $1,026 |
$1,000 | $936 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,026 |
50/100 | $1,121 |
100/300 | $1,239 |
250/500 | $1,547 |
100 CSL | $1,168 |
300 CSL | $1,429 |
500 CSL | $1,619 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $5,752 |
20 | $3,700 |
30 | $2,212 |
40 | $2,194 |
50 | $2,096 |
60 | $2,072 |
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 | $52 |
Multi-vehicle | $54 |
Homeowner | $18 |
5-yr Accident Free | $61 |
5-yr Claim Free | $64 |
Paid in Full/EFT | $37 |
Advance Quote | $44 |
Online Quote | $69 |
Total Discounts | $399 |
Discounts are estimated and may not be available from every company or in every state.
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