How Much is Insurance on a Honda CR-Z? [Rates + Cheap Coverage Guide]

Honda CR-Z insurance rates are around $111 a month, but a good driving can lower your Honda CR-Z insurance costs. Find the best Honda CR-Z insurance coverage when you comparison shop online. Start now by entering your ZIP code below to get your free Honda CR-Z insurance quote.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,332 a year or $111 each month
  • A liability-only policy costs around $534 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,868 a year or $406 each month
  • Good drivers can save as much as $549 a year by earning policy discounts
  • Honda CR-Z insurance costs around $187 less per year than the average vehicle

Honda CR-Z insurance rates average about $187 less annually than the average vehicle, costing about $1,332 a year or $111 a month for full coverage auto insurance. But if you own your vehicle outright and have an older car, you can get liability-only for about $534 a year or $45 a month. Good drivers are eligible for discounts that can add up to $549 a year for being a safe driver. We’re going to look at the Honda CR-Z insurance rates, safety features, and more.

You can start comparing quotes for Honda CR-Z car insurance rates from some of the best car insurance companies by using our free online tool now.

Honda CR-Z Insurance Cost

The average Honda CR-Z car insurance rates are $1,332 a year or $111 a month.

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Are Honda CR-Zs Expensive to Insure?

The chart below details how Honda CR-Z insurance rates compare to other hybrid/electrics like the Chevrolet Volt, Ford Fusion Energi, and Chrysler Pacifica Hybrid.

Vehicle Comprehensive Collision Liability Total
Chevrolet Volt $370 $774 $398 $1,700
Ford Fusion Energi $336 $626 $372 $1,492
Chrysler Pacifica Hybrid $370 $656 $338 $1,500
Honda Accord Hybrid $362 $718 $316 $1,532
Ford C-Max Hybrid $282 $566 $398 $1,404
Toyota Prius $306 $512 $332 $1,286
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However, there are a few things you can do to find the cheapest Honda insurance rates online.

What Impacts the Cost of Honda CR-Z Insurance?

The Honda CR-Z trim and model you choose will affect the total price you will pay for Honda CR-Z insurance coverage.

Age of the Vehicle

The average Honda CR-Z car insurance rates are higher for newer models. For example, car insurance for a 2016 Honda CR-Z costs $1,332, while 2011 Honda CR-Z insurance costs are $1,160, a difference of $172.

Model Year Comprehensive Collision Liability Total
2016 Honda CR-Z $298 $446 $430 $1,332
2015 Honda CR-Z $282 $430 $442 $1,312
2014 Honda CR-Z $270 $400 $452 $1,280
2013 Honda CR-Z $260 $376 $456 $1,250
2012 Honda CR-Z $248 $338 $460 $1,204
2011 Honda CR-Z $232 $310 $460 $1,160
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Driver Age

Driver age can have a significant impact on Honda CR-Z auto insurance rates. For instance, a 30-year-old driver may pay $59 more each year for Honda CR-Z auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Honda CR-Z insurance rates. For example, drivers in Los Angeles may pay $733 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Honda CR-Z car insurance. Teens and drivers in their 20’s see the highest jump in their Honda CR-Z car insurance with violations on their driving record.

Honda CR-Z Safety Ratings

Your Honda CR-Z car insurance rates are tied to the safety ratings of the Honda CR-Z. See the breakdown below:

Test Type Rating
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Honda CR-Z Crash Test Ratings

Honda CR-Z crash test ratings can impact your Honda CR-Z car insurance rates. See Honda CR-Z crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2016 Honda CR-Z 3 HB FWD 4 stars 4 stars 3 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Honda CR-Z Safety Features

The Honda CR-Z safety features can help lower insurance costs. According to AutoBlog, the 2020 Honda CR-Z has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Integrated Turn Signal Mirrors
  • Traction Control

Honda CR-Z Insurance Loss Probability

Another contributing factor that plays a direct role in Honda CR-Z insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision 6%
Property Damage -13%
Comprehensive -17%
Personal Injury -2%
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Honda CR-Z Finance and Insurance Cost

If you are financing a Honda CR-Z, you will pay more if you purchase Honda CR-Z auto insurance at the dealership, so be sure to shop around and compare Honda CR-Z auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Honda CR-Z Insurance

There are many ways that you can save on Honda CR-Z car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Honda CR-Z car insurance rates low.

  • Ask Your Insurance Company About Honda CR-Z Discounts
  • Move to the Countryside
  • Ask for a Honda CR-Z Discount If You Have College Degree or Higher
  • Ask About Farm and Ranch Vehicle Discounts
  • Consider Ride Sharing Services to Lower Your Honda CR-Z Mileage

Top Honda CR-Z Insurance Companies

Several insurance companies offer competitive rates for the Honda CR-Z based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Honda CR-Z drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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