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: Apr 23, 2024

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Average insurance rates for a Honda CR-Z are $1,026 a year including full coverage. Comprehensive insurance costs approximately $184, collision insurance costs $210, and liability costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,194 or more. Teenage drivers receive the highest rates at up to $4,084 a year.

Average premium for full coverage: $1,026

Rate estimates by individual coverage type:

Comprehensive $184
Collision $210
Liability $474

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different CR-Z trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as low as $522 for basic liability insurance to a much higher rate of $2,194 for a driver who has had serious violations or accidents.

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

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

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

These examples highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using average rates.

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

  • The best discount rate is $627
  • Using higher $1,000 deductibles will save $90 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,026
  • Using more expensive low deductibles for physical damage coverage will cost an extra $168 every year
  • Drivers who are prone to accidents and violations could pay around $2,194
  • The cost for full coverage for a teen driver with full coverage can cost $4,084 or more

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

Car insurance rates for a Honda CR-Z can also vary considerably based on your driver profile, the model of your CR-Z, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as little as $1,000 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $4,000 a year. View Rates by Age

Where you live has a huge impact on Honda CR-Z insurance prices. A driver around age 40 might see rates as low as $790 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,460 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 $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

Using high physical damage deductibles could cut rates by as much as $260 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,200 to $1,700 extra per year, depending on your age. High-risk driver insurance can be as much as 42% to 130% more than a normal policy. View High Risk Driver Rates

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 Find the Cheapest Honda CR-Z Insurance

Saving money on car insurance requires being a low-risk driver, having above-average credit, not filing small claims, and attention to physical damage deductibles. Set aside time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The items below are a recap of the ideas that were covered above.

  • Teen drivers pay the highest auto insurance rates, as much as $340 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents could be forced to pay on average $1,170 more per year to insure their CR-Z
  • Increasing deductibles can save around $250 each year
  • You may be able to save around $110 per year just by shopping early and online

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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