Honda CR-Z Insurance Rates

The average insurance rates for a Honda CR-Z are $1,204 a year including full coverage. Comprehensive costs approximately $248 each year, collision insurance costs $338, and liability is estimated at $460. Buying just liability costs approximately $510 a year, and insurance for high-risk drivers costs around $2,582. Teen drivers cost the most to insure at up to $4,620 a year.

Average premium for full coverage: $1,204

Policy rates by type of insurance:

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

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.

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.

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 $716
• Choosing higher $1,000 deductibles can save $132 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,204
• Choosing low deductibles for comp and collision coverage will increase the cost to $1,458
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,582
• Policy cost for full coverage for a 16-year-old driver can cost $4,620 each year

View Chart as Image

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 $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,600 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 $930 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,720 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $390 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 $414 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 $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than average. View High Risk Driver Rates

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 $510 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 $385 each month for full coverage
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,380 more per year to insure a Honda CR-Z
• Increasing comprehensive and collision deductibles can save around $375 each year