About $1,472 a year for full coverage on a national average — within a few percent of the $1,438 average car. Insurers rate the Honda CR-Z at an index of 102 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2014-2016).
The premium isn't spread evenly. Collision — damage to your own car in a crash — carries this car's highest loss index at 114, while Property damage sits at 94. That gap is the real reason behind the price, and it's the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2015 CR-Z sells for a median $6,500, so a year of cover costs 22.6% of the car's value. Over 6 generations of data the index has fallen from 108 (2009-2011) to 102 (2014-2016). Calculated from 6 insurance-loss records and live US listing prices.
Why a CR-Z costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,472: Liability (BI + PD) $707 · Collision $412 · Comprehensive $177 · Other (UM / PIP) $177.
How it changed by generation
Insurance-loss index of the CR-Z across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The CR-Z has become cheaper to insure over time (-5 points).
What a CR-Z costs by state
Where you park matters as much as what you drive. The CR-Z's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | CR-Z est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Honda CR-Z
Honda CR-Z insurance — frequently asked
How much is insurance for a Honda CR-Z?
About $1,472 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 102 applied to the US average premium.
Why is the CR-Z expensive or cheap to insure?
Its costliest area is Collision (index 114), which covers damage to your own car in a crash. Insurers set premiums from claim history like this, not from the sticker price.
Is that a lot relative to the car's value?
A year of cover is 22.6% of what a 2015 CR-Z sells for (a median $6,500). Cheap cars often show a higher percentage even when the dollar premium is lower.
Does its safety rating lower the premium?
Not directly. The CR-Z holds 4 stars from NHTSA, but crash-test performance and repair cost are priced separately — a car can protect occupants well and still be costly to fix.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same CR-Z can differ by hundreds between two drivers.