Honda CR-Z Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 4, 2023

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The average insurance rates for a Honda CR-Z are $1,062 a year including full coverage. Comprehensive costs approximately $198 each year, collision insurance costs $228, and liability is estimated at $478. Buying just liability costs approximately $526 a year, and insurance for high-risk drivers costs around $2,272. Teen drivers cost the most to insure at up to $4,200 a year.

Average premium for full coverage: $1,062

Policy rates by type of insurance:

Comprehensive $198
Collision $228
Liability $478

Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and CR-Z models.

Price Range Variability

For a 40-year-old driver, Honda CR-Z insurance rates range from as low as $526 for just liability insurance to a high rate of $2,272 for high-risk insurance.

Liability Only $526
Full Coverage $1,062
High Risk $2,272

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The graphic below illustrates how your location can change auto insurance prices.

Rural Areas $797
Small Cities $1,115
Large Cities $1,434

The examples above highlight why all drivers should get quotes using their specific location and risk profile, instead of making a decision based 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.

More Rate Details

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

  • The lowest rate with discounts is $646
  • Choosing higher $1,000 deductibles can save $98 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,062
  • Choosing low deductibles for comp and collision coverage will increase the cost to $1,244
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,272
  • Policy cost for full coverage for a 16-year-old driver can cost $4,200 each year

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing Honda CR-Z insurance rates range from $646 to $4,200 for full coverage

Insurance rates for a Honda CR-Z also range considerably based on your risk profile, the model of your CR-Z, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,000 annually on average, or $83 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Honda CR-Z insurance prices. A good driver about age 40 could pay as low as $820 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,520 on average in Louisiana, New York, and Michigan.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

Honda CR-Z insurance rates by U.S. city

Choosing high deductibles can save as much as $280 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,800 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 126% more than average. View High Risk Driver Rates

Honda CR-Z Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Find More Affordable Honda CR-Z Insurance

Finding cheaper rates on insurance for a Honda CR-Z takes avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a summary of the material that was illustrated above.

  • Insureds who purchase increased liability limits will pay about $530 per year to raise limits from a 30/60 limit to 250/500 limits
  • Drivers under the age of 20 are expensive to insure, with premiums being up to $350 each month for full coverage
  • Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,210 more per year to insure a Honda CR-Z
  • Increasing comprehensive and collision deductibles can save around $275 each year

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,244
$250 $1,162
$500 $1,062
$1,000 $964

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $140

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
Rate after discounts $646

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

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