Honda CR-Z Insurance Rates
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UPDATED: Apr 23, 2024
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U.S. average auto insurance rates for a Honda CR-Z are $1,062 annually with full coverage. Comprehensive insurance costs approximately $198, collision insurance costs $228, and liability coverage costs around $478. Liability-only coverage costs as low as $526 a year, and high-risk coverage costs $2,272 or more. Teen drivers pay the highest rates at up to $4,200 a year.
Average premium for full coverage: $1,062
Price estimates by individual coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all CR-Z models.
Price Range from Low to High
For an average driver, Honda CR-Z insurance prices range from as cheap as $526 for just liability coverage to the much higher price of $2,272 for a high-risk insurance policy.
Geographic Price Range
Where you live has a large influence on the price of insurance. Rural locations have fewer collision claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance prices.
The ranges above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, rather than using 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.
Detailed Rate Analysis
The chart below details average Honda CR-Z insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $646
- Using higher $1,000 deductibles will save $98 annually
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,062
- Choosing pricier low deductibles for physical damage coverage costs an additional $182 each year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,272
- The price with full coverage for a teenage driver for full coverage can cost $4,200 or more
Auto insurance prices for a Honda CR-Z are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,000 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,200 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,200 to $1,800 in extra premium each year, depending on your age. Honda CR-Z insurance for high-risk drivers can be around 43% to 126% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $280 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $430 extra every year. View Rates by Deductible or Liability Limit
The state you live in has a huge impact on Honda CR-Z insurance rates. A driver around age 40 might see prices as low as $770 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,440 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $960 | -$102 | -9.6% |
| Alaska | $816 | -$246 | -23.2% |
| Arizona | $882 | -$180 | -16.9% |
| Arkansas | $1,062 | -$0 | 0.0% |
| California | $1,210 | $148 | 13.9% |
| Colorado | $1,014 | -$48 | -4.5% |
| Connecticut | $1,092 | $30 | 2.8% |
| Delaware | $1,202 | $140 | 13.2% |
| Florida | $1,328 | $266 | 25.0% |
| Georgia | $980 | -$82 | -7.7% |
| Hawaii | $762 | -$300 | -28.2% |
| Idaho | $720 | -$342 | -32.2% |
| Illinois | $792 | -$270 | -25.4% |
| Indiana | $798 | -$264 | -24.9% |
| Iowa | $716 | -$346 | -32.6% |
| Kansas | $1,012 | -$50 | -4.7% |
| Kentucky | $1,450 | $388 | 36.5% |
| Louisiana | $1,570 | $508 | 47.8% |
| Maine | $656 | -$406 | -38.2% |
| Maryland | $874 | -$188 | -17.7% |
| Massachusetts | $850 | -$212 | -20.0% |
| Michigan | $1,846 | $784 | 73.8% |
| Minnesota | $890 | -$172 | -16.2% |
| Mississippi | $1,272 | $210 | 19.8% |
| Missouri | $944 | -$118 | -11.1% |
| Montana | $1,142 | $80 | 7.5% |
| Nebraska | $838 | -$224 | -21.1% |
| Nevada | $1,272 | $210 | 19.8% |
| New Hampshire | $764 | -$298 | -28.1% |
| New Jersey | $1,188 | $126 | 11.9% |
| New Mexico | $938 | -$124 | -11.7% |
| New York | $1,118 | $56 | 5.3% |
| North Carolina | $612 | -$450 | -42.4% |
| North Dakota | $870 | -$192 | -18.1% |
| Ohio | $734 | -$328 | -30.9% |
| Oklahoma | $1,090 | $28 | 2.6% |
| Oregon | $972 | -$90 | -8.5% |
| Pennsylvania | $1,014 | -$48 | -4.5% |
| Rhode Island | $1,418 | $356 | 33.5% |
| South Carolina | $962 | -$100 | -9.4% |
| South Dakota | $896 | -$166 | -15.6% |
| Tennessee | $930 | -$132 | -12.4% |
| Texas | $1,282 | $220 | 20.7% |
| Utah | $788 | -$274 | -25.8% |
| Vermont | $726 | -$336 | -31.6% |
| Virginia | $636 | -$426 | -40.1% |
| Washington | $820 | -$242 | -22.8% |
| West Virginia | $974 | -$88 | -8.3% |
| Wisconsin | $734 | -$328 | -30.9% |
| Wyoming | $948 | -$114 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Honda CR-Z | $248 | $338 | $460 | $1,204 |
| 2011 Honda CR-Z | $198 | $228 | $478 | $1,062 |
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 Buy More Affordable Honda CR-Z Insurance
Getting lower rates on auto insurance requires being a good driver, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates at least every other year by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the car insurance concepts covered in the above illustrations.
- Drivers who have multiple accidents or major violations may pay on average $1,210 more per year than a safer driver
- You may be able to save around $120 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $275 each year
- Consumers who purchase an increased level of liability coverage will pay about $530 every year to increase from a low limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,200 |
| 20 | $2,406 |
| 30 | $1,084 |
| 40 | $1,062 |
| 50 | $976 |
| 60 | $952 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,244 |
| $250 | $1,162 |
| $500 | $1,062 |
| $1,000 | $964 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,062 |
| 50/100 | $1,158 |
| 100/300 | $1,277 |
| 250/500 | $1,588 |
| 100 CSL | $1,205 |
| 300 CSL | $1,468 |
| 500 CSL | $1,660 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,924 |
| 20 | $3,832 |
| 30 | $2,296 |
| 40 | $2,272 |
| 50 | $2,172 |
| 60 | $2,148 |
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 | $54 |
| Multi-vehicle | $56 |
| Homeowner | $19 |
| 5-yr Accident Free | $64 |
| 5-yr Claim Free | $66 |
| Paid in Full/EFT | $39 |
| Advance Quote | $46 |
| Online Quote | $72 |
| Total Discounts | $416 |
Discounts are estimated and may not be available from every company or in every state.
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