Dodge Challenger vs Honda CR-Z Insurance Cost

The Honda CR-Z is cheaper to insure by about $255 a year for full coverage by our estimate ($1,705 vs. $1,450), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Dodge Challenger	Honda CR-Z	Difference
State minimum	$665	$690	−$25
Standard (100/300/100)	$965	$995	−$30
Full coverage	$1,705	$1,450	+$255

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Challenger minus CR-Z.

Why one costs more to insure

Factor	Dodge Challenger	Honda CR-Z
Segment	Sports car	Sports car
Powertrains	Gasoline, Flex-fuel	Hybrid
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	4★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	6	2

Challenger vs CR-Z insurance by state

State	Challenger	CR-Z	Difference
Alabama	$1,485	$1,225	+$260
Alaska	$1,495	$1,260	+$235
Arizona	$1,785	$1,530	+$255
Arkansas	$1,500	$1,215	+$285
California	$1,680	$1,395	+$285
Colorado	$1,920	$1,610	+$310
Connecticut	$1,815	$1,585	+$230
Delaware	$1,905	$1,700	+$205
District of Columbia	$2,155	$1,810	+$345
Florida	$2,435	$2,205	+$230
Georgia	$2,110	$1,870	+$240
Hawaii	$1,180	$980	+$200
Idaho	$1,155	$975	+$180
Illinois	$1,480	$1,235	+$245
Indiana	$1,210	$1,010	+$200
Iowa	$1,145	$915	+$230
Kansas	$1,350	$1,095	+$255
Kentucky	$1,430	$1,225	+$205
Louisiana	$2,355	$2,025	+$330
Maine	$1,085	$900	+$185
Maryland	$1,915	$1,655	+$260
Massachusetts	$1,680	$1,420	+$260
Michigan	$1,860	$1,565	+$295
Minnesota	$1,415	$1,165	+$250
Mississippi	$1,625	$1,345	+$280
Missouri	$1,540	$1,285	+$255
Montana	$1,345	$1,085	+$260
Nebraska	$1,355	$1,095	+$260
Nevada	$1,965	$1,775	+$190
New Hampshire	$1,215	$1,010	+$205
New Jersey	$2,060	$1,830	+$230
New Mexico	$1,525	$1,280	+$245
New York	$2,290	$2,020	+$270
North Carolina	$1,270	$1,025	+$245
North Dakota	$1,080	$845	+$235
Ohio	$1,215	$1,015	+$200
Oklahoma	$1,525	$1,250	+$275
Oregon	$1,530	$1,355	+$175
Pennsylvania	$1,485	$1,225	+$260
Rhode Island	$2,065	$1,810	+$255
South Carolina	$1,820	$1,600	+$220
South Dakota	$1,280	$995	+$285
Tennessee	$1,415	$1,165	+$250
Texas	$2,010	$1,675	+$335
Utah	$1,550	$1,360	+$190
Vermont	$1,105	$890	+$215
Virginia	$1,465	$1,245	+$220
Washington	$1,485	$1,300	+$185
West Virginia	$1,415	$1,160	+$255
Wisconsin	$1,160	$960	+$200
Wyoming	$1,310	$1,020	+$290

By driver profile (full coverage)

Driver	Challenger	CR-Z
Teen driver (18, own policy)	$4,690	$3,990
Young adult (22)	$2,730	$2,320
Adult in their 30s	$1,705	$1,450
Adult in their 50s	$1,570	$1,335
Senior (72)	$1,910	$1,625
30s, one at-fault accident	$2,470	$2,105
30s, DUI on record	$3,155	$2,685

More comparisons

Frequently asked questions

Is the Dodge Challenger or the Honda CR-Z cheaper to insure?

By our estimate the Honda CR-Z is cheaper, by about $255 a year for full coverage ($1,705 vs. $1,450) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Dodge Challenger and Honda CR-Z?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page