Estimates, not quotes

Honda CR-Z Insurance Cost in Illinois

Insuring a Honda CR-Z in Illinois costs about $1,235 a year ($103/month) for full coverage by our estimate — −15% versus the same car nationally — the 24th cheapest of 51 states for this model.

Honda CR-Z (photo from Wikimedia Commons)
Photo: Vauxford, CC BY-SA 4.0
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

Honda CR-Z insurance in Illinois at a glance

Full coverage
$1,235
$1,015–$1,460
25/50/20 minimum
$560
$47/mo
Same car nationally
$1,450
full coverage
Avg. car in IL
$1,380
−11% for the CR-Z

The Honda CR-Z is 11% cheaper than the average vehicle to insure in Illinois. Illinois's own base rates are 10% lower than the national average, which carries through to every model.

Illinois factors that affect CR-Z premiums

  • Uninsured drivers: 15.2% of Illinois drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your CR-Z.
  • Theft: 238 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Illinois's expected annual losses as relatively moderate for hail, relatively high for tornado, very low for hurricane, relatively high for inland (river) flooding, very high for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.13 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Illinois →

Honda CR-Z insurance cost in Illinois cities

CityFull coverageMinimumvs. state
Chicago$1,445$650+17%
Aurora$1,285$580+4%
Naperville$1,325$600+7%
Joliet$1,265$575+2%
Rockford$1,190$535−4%
Elgin$1,280$580+4%
Springfield$1,125$510−9%
Peoria$1,145$515−7%
Champaign$1,145$515−7%
Waukegan$1,270$575+3%
Decatur$1,120$505−9%
Quincy$1,095$495−11%

Honda CR-Z insurance in Illinois by driver

Estimated annual Honda CR-Z premium in Illinois
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,535 $2,225 $3,400 $283
Young adult (22) $895 $1,295 $1,980 $165
Adult in their 30s $560 $810 $1,235 $103
Adult in their 50s $515 $745 $1,135 $95
Senior (72) $625 $905 $1,385 $115
30s, one at-fault accident $810 $1,175 $1,790 $149
30s, DUI on record $1,030 $1,495 $2,285 $190

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $560 $47 $460–$660
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $810 $67 $665–$955
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,235 $103 $1,015–$1,460

Illinois minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Illinois

ModelFull coverage in ILvs. CR-Z
Dodge Challenger$1,630+32%
Nissan GT-R$1,655+34%
Mitsubishi Eclipse$1,655+34%
Nissan 370Z$1,655+34%

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Honda CR-Z insurance cost in every state · All Honda models

Frequently asked questions

How much is Honda CR-Z insurance in Illinois?

About $1,235 a year ($103 a month) for full coverage and $560 for Illinois's minimum liability, for a driver in their 30s with a clean record. That is 15% less than the national estimate for the same car.

Is the Honda CR-Z cheaper to insure than the average car in Illinois?

The average vehicle in Illinois is about $1,380 a year for full coverage in our model, so the Honda CR-Z is 11% cheaper than average.

Where in Illinois is Honda CR-Z insurance cheapest?

Among the largest Illinois cities, Quincy has the lowest estimate (about $1,095) and Chicago the highest (about $1,445).

What insurance do I need for a Honda CR-Z in Illinois?

Illinois requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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