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Honda Civic Insurance Cost

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Image via Flickr by crash71100

As the proud owner of a Honda Civic, getting an insurance policy that works for you is likely to be a priority. While there are many providers out there, you need one that offers the right rates, quality coverage, and dependability. Learning about the average cost of insurance and how to find a policy that fits your budget can help you to find what you need. Keep reading to learn more about your Honda Civic’s insurance cost.

What Does Honda Civic Insurance Cost?

Honda Civic insurance costs may vary from the cost to insure other models. The cost of car insurance is affected by the car brand and model, so the fact that your mode of transportation is a Honda Civic is likely to impact your insurance.

Typically, the annual cost of insuring a Honda Civic is approximately $2,502, according to ValuePenguin. Vehicles from the Honda brand are relatively more expensive to insure. However, when compared with other compact cars, such as the Volkswagen Jetta and Hyundai Elantra, Civic drivers may spend significantly less on coverage. Plus, you may be able to find a policy that’s cheaper than the average if you keep looking.

What Factors Impact Honda Civic Insurance Costs?

Several factors can impact the cost to insure your Honda Civic. For instance:

  • Policy type: Different policies offer different combinations of insurance coverages, and some types of coverage are legally required. For example, liability insurance is an essential policy type because it covers the personal injury and property damage of others from an accident you caused. When insuring your Honda, it’s best to get a full-coverage policy. Comprehensive coverage, which covers vehicle damage caused by events such as natural disasters, theft, and other unexpected actions, will cost more but is often worthwhile. A collision policy can also protect the policyholder from expenses after colliding with another vehicle or a thing.
  • Vehicle repair costs:  The resilience of the vehicle and how much it costs to repair is a key factor that impacts which insurance policy you can get. When compared to American-made cars, the Civic is relatively more expensive to insure because of the higher replacement costs of its spare parts.
  • Theft rate: You may also have to pay more to insure your Civic due to the prevalence of thefts of this model. Civics can be a target for theft because of the high value of their parts, which can be used in other Hondas.
  • Location: Your location definitely affects your insurance. For instance, people who drive in urban areas are likely to pay more than those who live in rural areas.
  • Driving record: A clean driving record can significantly reduce your insurance cost and bring down your monthly premiums. For example, a driver with a few speeding tickets and a DWI is unlikely to get the best rate to insure their Honda Civic.
  • Age of driver: If you’re a young driver between the ages of 18 and 30, expect to pay more for your Honda Civic’s insurance cost. This is because insurers tend to raise prices for young drivers and decrease them as drivers grow older and gain more experience.
  • Honda Civic model: Rates can differ based on your Civic model. For example, while a 2013 Honda Civic driver will pay around $751.06 for six months coverage, a driver of a 2009 Civic model will pay approximately $691.28 for the same period.

Should the Insurance Cost of Your Honda Civic Affect Your Decision?

The insurance costs for a Honda Civic will impact your budget, but insuring your vehicle effectively will save you time and money in the long term. After all, the benefits of buying an affordable and reliable car would be undermined if you have to spend a lot on car repairs in the future. For example, if you’re the new owner of a 2022 Honda Civic, you will benefit from vehicle design-based advantages such as a stellar safety rating due to high crash test scores from the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA).

How To Get the Best Deal on Your Honda Civic Insurance

You can find the best deal on your Honda Civic’s insurance with the following steps:

1. Choose the Right Insurance Policy

Select an insurance policy type that fits your needs. For example, if you have a loan or lease on your Honda Civic, you may need comprehensive coverage. If you’re driving a new Honda model, you may also want to add collision insurance. Both policies will support you in handling vehicle repairs.

While some drivers may not require comprehensive or collision insurance, most states insist on liability insurance. A full-coverage policy that includes collision, comprehensive, and liability can provide considerable protection. Additionally, investing in personal injury protection (PIP) or a MedPay policy that can cover your medical bills is also important and can be a state requirement.

2. Find the Best Rate

Once you have decided on the coverage you prefer, search for the best rate. Here are some national averages to help you find what you’re looking for:

  • Full coverage: On average, expect to pay $1,498 a year for your Honda Civic’s full coverage. A policy from Geico, which is usually lower than the national average, can cost you between $1,378 and $2,393 per annum. Rates differ across states, so it’s best to check with a variety of insurers in addition to Geico, such as State Farm, USAA, and Nationwide to find the best price.
  • Liability: For liability insurance, Farm Bureau, State Farm, and Geico offer some of the most economical rates with monthly premiums of $39, $44, and $56 respectively.

3. Search for Discounts and Make a Choice

Keep in mind that there are discounts available for policyholders who are insuring their Honda Civic. These discounts vary, but they can reduce the cost of your deductible and premiums. For example, if you maintain a safe driving record, insurers will bring your insurance cost down.

4. Keep Searching for the Best Rate

Once you have chosen an insurance provider and a policy, check for a better deal biannually. You can work with your insurance provider to transition to a more advantageous policy if you find one.

Through this article, you have gained an overview of the cost of Honda Civic’s insurance, the factors that insurers consider when determining cost, and how to choose a suitable policy. If the first quote you get for Honda Civic insurance doesn’t suit you, keep looking. You may find more discounts or a better rate from other insurers.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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