Honda CR-Z Insurance Rates
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UPDATED: May 12, 2022
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Estimated insurance rates for a Honda CR-Z are $1,086 a year with full coverage. Comprehensive costs an estimated $202 a year, collision costs $252, and liability insurance is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing around $2,330. Teen drivers pay the most at $4,280 a year or more.
Average premium for full coverage: $1,086
Premium estimates broken down by type of coverage:
Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and CR-Z trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Honda CR-Z go from as low as $522 for a discount liability-only rate to a high of $2,330 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.
The diagram below illustrates how location helps determine insurance prices.
These rate differences demonstrate why it is important to get quotes for a targeted area and risk profile, rather than relying on price 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 other coverage scenarios.
- The lowest rate with discounts is $656
- Choosing higher $1,000 deductibles can save approximately $982 annually
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,086
- Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,284
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,330 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $4,280 each year
Auto insurance prices for a Honda CR-Z also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.
Older drivers with a good driving record and high deductibles could pay as little as $1,000 annually on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $4,200 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Honda CR-Z insurance rates. A good driver about age 40 could pay as low as $780 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,470 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $984 | -$102 | -9.4% |
| Alaska | $834 | -$252 | -23.2% |
| Arizona | $902 | -$184 | -16.9% |
| Arkansas | $1,086 | -$0 | 0.0% |
| California | $1,240 | $154 | 14.2% |
| Colorado | $1,038 | -$48 | -4.4% |
| Connecticut | $1,118 | $32 | 2.9% |
| Delaware | $1,232 | $146 | 13.4% |
| Florida | $1,362 | $276 | 25.4% |
| Georgia | $1,002 | -$84 | -7.7% |
| Hawaii | $782 | -$304 | -28.0% |
| Idaho | $734 | -$352 | -32.4% |
| Illinois | $810 | -$276 | -25.4% |
| Indiana | $816 | -$270 | -24.9% |
| Iowa | $734 | -$352 | -32.4% |
| Kansas | $1,034 | -$52 | -4.8% |
| Kentucky | $1,482 | $396 | 36.5% |
| Louisiana | $1,608 | $522 | 48.1% |
| Maine | $672 | -$414 | -38.1% |
| Maryland | $896 | -$190 | -17.5% |
| Massachusetts | $870 | -$216 | -19.9% |
| Michigan | $1,888 | $802 | 73.8% |
| Minnesota | $910 | -$176 | -16.2% |
| Mississippi | $1,302 | $216 | 19.9% |
| Missouri | $964 | -$122 | -11.2% |
| Montana | $1,168 | $82 | 7.6% |
| Nebraska | $856 | -$230 | -21.2% |
| Nevada | $1,304 | $218 | 20.1% |
| New Hampshire | $782 | -$304 | -28.0% |
| New Jersey | $1,214 | $128 | 11.8% |
| New Mexico | $964 | -$122 | -11.2% |
| New York | $1,146 | $60 | 5.5% |
| North Carolina | $626 | -$460 | -42.4% |
| North Dakota | $890 | -$196 | -18.0% |
| Ohio | $750 | -$336 | -30.9% |
| Oklahoma | $1,116 | $30 | 2.8% |
| Oregon | $996 | -$90 | -8.3% |
| Pennsylvania | $1,038 | -$48 | -4.4% |
| Rhode Island | $1,448 | $362 | 33.3% |
| South Carolina | $984 | -$102 | -9.4% |
| South Dakota | $918 | -$168 | -15.5% |
| Tennessee | $952 | -$134 | -12.3% |
| Texas | $1,310 | $224 | 20.6% |
| Utah | $804 | -$282 | -26.0% |
| Vermont | $744 | -$342 | -31.5% |
| Virginia | $652 | -$434 | -40.0% |
| Washington | $840 | -$246 | -22.7% |
| West Virginia | $996 | -$90 | -8.3% |
| Wisconsin | $752 | -$334 | -30.8% |
| Wyoming | $968 | -$118 | -10.9% |
Choosing high deductibles can save as much as $310 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out $1,300 to $1,800 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 133% more than average. View High Risk Driver Rates
With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2011 Honda CR-Z | $202 | $252 | $474 | $1,086 |
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
Finding better rates on Honda CR-Z insurance takes having a decent driving record, having good credit, being claim-free, and qualifying for all possible discounts. Invest time comparing rates at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save approximately $120 per year simply by quoting early and online
- High-risk drivers that have major violations or accidents may pay on average $1,240 more annually than a driver with a clean driving record
- Increasing policy deductibles can save around $300 each year
- 16 to 18-year-old drivers are the costliest to insure, possibly costing $357 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,280 |
| 20 | $2,466 |
| 30 | $1,110 |
| 40 | $1,086 |
| 50 | $996 |
| 60 | $974 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,284 |
| $250 | $1,194 |
| $500 | $1,086 |
| $1,000 | $982 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,086 |
| 50/100 | $1,181 |
| 100/300 | $1,299 |
| 250/500 | $1,607 |
| 100 CSL | $1,228 |
| 300 CSL | $1,489 |
| 500 CSL | $1,679 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,040 |
| 20 | $3,932 |
| 30 | $2,356 |
| 40 | $2,330 |
| 50 | $2,226 |
| 60 | $2,202 |
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 | $56 |
| Multi-vehicle | $58 |
| Homeowner | $19 |
| 5-yr Accident Free | $67 |
| 5-yr Claim Free | $68 |
| Paid in Full/EFT | $40 |
| Advance Quote | $48 |
| Online Quote | $74 |
| Total Discounts | $430 |
Discounts are estimated and may not be available from every company or in every state.
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