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...

Insurance Lawyer

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:

Comprehensive $202
Collision $252
Liability $474

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.

Liability Only $522
Full Coverage $1,086
High Risk $2,330

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.

Rural Areas $815
Small Cities $1,140
Large Cities $1,466

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

View Chart as Image

Honda CR-Z insurance cost comparison chart
Column chart showing full coverage Honda CR-Z insurance rates range from $656 to $4,280

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.

Honda CR-Z Insurance Rates by State
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%

View Chart as Image

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

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.

Honda CR-Z Insurance Rates by Model Year
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

Rates by Driver Age

Honda CR-Z Insurance 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

Honda CR-Z Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,284
$250 $1,194
$500 $1,086
$1,000 $982

Full coverage, driver age 40

Rates by Liability Limit

Honda CR-Z Insurance Rates with Different Liability Limits
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

Honda CR-Z Insurance 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.

SR-22 Surcharge $144

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
Rate after discounts $656

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

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