Honda CR-Z Insurance Rates

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UPDATED: Apr 23, 2024

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Estimated insurance prices for a Honda CR-Z are $1,026 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $184 each year, collision insurance costs $210, and liability coverage is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs $2,194 or more. 16-year-old drivers pay the most at up to $4,084 a year.

Average premium for full coverage: $1,026

Premium estimates broken down by type of coverage:

Comprehensive $184
Collision $210
Liability $474

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and CR-Z models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Honda CR-Z range from the cheapest price of $522 for basic liability insurance to a high rate of $2,194 for high-risk insurance.

Liability Only $522
Full Coverage $1,026
High Risk $2,194

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities. The graphic below illustrates how where you live affects insurance prices.

Rural Areas $770
Small Cities $1,077
Large Cities $1,385

These rate differences illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, 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.

Rate Comparisons

The chart below illustrates average Honda CR-Z insurance rates for other coverage scenarios.

  • The best full coverage rate is $627
  • Raising to $1,000 deductibles will save approximately $90 each year
  • The average price for a 40-year-old good driver who has $500 deductibles is $1,026
  • Buying low deductibles costs an extra $168 each year
  • Unlucky drivers with multiple tickets or accidents could pay up to $2,194
  • An auto insurance policy to insure a teenage driver can cost as much as $4,084

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing Honda CR-Z insurance prices range from $627 to $4,084 for full coverage

Auto insurance prices for a Honda CR-Z also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can reduce prices by up to $260 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,000 every 12 months on average, or $83 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,200 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Honda CR-Z insurance rates. A middle-age driver might find prices as low as $670 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,390 on average in Florida, New York, and Michigan.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city
Honda CR-Z Insurance Rates by Model Year
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 Shop for Low Cost Honda CR-Z Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a review of the material that was touched on in the above illustrations.

  • Consumers who want more liability protection will pay around $520 annually to raise from 30/60 bodily injury limits to a 250/500 level
  • Youthful drivers are the costliest to insure, with premiums being up to $340 per month if comprehensive and collision insurance is included
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,170 more annually than a low-risk driver
  • Increasing policy deductibles could save as much as $250 each year

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,194
$250 $1,118
$500 $1,026
$1,000 $936

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $135

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
Rate after discounts $627

Discounts are estimated and may not be available from every company or in every state.

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