Is Honda Civic Car Insurance Expensive?
Is Honda Civic Car Insurance Expensive?

Honda Civic car insurance typically isn't too costly, though costs can depend on factors like trim level, model age and location.

Your state's minimum coverage requirements and driving record can also have an effect on the rate. Furthermore, upgraded features on your Honda Civic could increase its cost.

Model

Model of your vehicle plays an integral part in how much car insurance costs. Older models tend to depreciate more quickly and thus cost less to insure, though that does not automatically equate to cheaper Honda Civic policies; rather it depends on its individual specifications and safety ratings.

The 2021 Honda Civic earned the Insurance Institute for Highway Safety's Top Safety Pick + designation, meaning it offers outstanding crash ratings and prevention measures. Furthermore, its long list of standard features - such as its three-year/36,000-mile Limited Vehicle Warranty and five-year/60,000-mile Powertrain Limited Warranty - were recognized.

Not only are safety ratings important when determining insurance costs; the repair costs also have a substantial bearing. Expensive vehicles typically cost more to repair after claims, resulting in higher premiums; however, the exact rate you pay may depend on other factors as well, including your driver's age and driving record.

Drivers under 18 tend to pay higher car insurance premiums due to being more prone to traffic tickets and accidents compared to older drivers, and consequently increasing premiums. As drivers get older and improve their driving abilities, their rates should begin to decrease gradually as time goes on; you could even save money by decreasing coverage or bundling home and auto together into one policy.

Trim

Car insurance carriers consider various factors when calculating monthly rates, including vehicle type, driver age, location and trim of Honda Civic model to calculate premiums. Your Honda Civic comes in various trims so it's important to know which trim can affect its premium cost.

Sports cars and other high-performance vehicles tend to be more costly to insure than sedans due to increased repair costs and theft risks, which makes research critical before making your purchase decision.

Liability only coverage may be less costly than full coverage; additional savings could come from consolidating all your auto and home policies together.

Your driving record can also play a large part in the cost of Honda Civic car insurance. If you have been involved in an accident or received tickets, your rates could rise substantially; fortunately, taking safety classes and improving your record could bring them down and save money with safe driver discounts or joining a telematics program which tracks driving habits can save even more money!

Age

Age plays an essential part in determining insurance premiums. Teenagers face higher premiums because of their inexperience behind the wheel and increased likelihood of accidents, and Honda Civic car insurance policies offer some attractive discounts designed to protect teenagers with its low price point, affordable aftermarket mods selection, excellent safety ratings and flexible discounts such as safe driving discounts or multi-policy policies that help save drivers money on coverage costs. To find out more contact GEICO directly or visit their website to discover available savings opportunities for their Honda Civic coverage policy.

Average Honda Civic car insurance costs come to approximately $1,536 annually; however, your actual rate will depend on many variables including your location and vehicle model/trim (for instance a coupe is typically more costly to insure than sedan). Furthermore, which car insurer you choose could have an impactful effect; some providers offer cheaper rates while some consider certain aspects more heavily when calculating premiums.

GEICO provides Honda Civic insurance at some of the lowest premiums, starting from as little as $27 a month for liability coverage. Ohio Mutual and USAA also offer highly affordable policies; you could save even more by bundling multiple policies together to lower costs.

Location

Honda Civic car insurance rates can differ considerably based on your location, the age and driving record of drivers in your household, the amount of coverage purchased, as well as what vehicle is driven. Larger vehicles typically have lower claim frequencies and safer driving characteristics than smaller ones; however there may be exceptions to this rule.

Car insurance providers also take into account drivers' credit scores when setting policy rates, taking them into consideration to calculate savings or higher premiums accordingly. No matter your credit, there are ways you can lower premiums with Honda Civic coverage such as buying only liability coverage and dropping comprehensive and collision policies from your policy.

Honda Civic owners typically pay an average annual premium of $1,754. This figure represents slightly less than the cost for other popular sedan models; however, this does not account for discounts available or coverage under multi-car/multi-driver policies.

USAA, Ohio Mutual and CaliforniaCasualty offer car insurance policies at rates significantly below the national average; Progressive, GEICO and Safeco have slightly higher premiums.

Credit score

Honda Civic drivers with good credit should expect to pay a lower insurance premium than those with poor credit, depending on factors like state minimum coverage requirements, driving record and chosen insurer. Furthermore, your exact premium cost may also depend on factors like model/trim level/upgrade features - generally speaking the more costly the car, the higher its insurance premiums will be.

GEICO provides a range of car insurance discounts designed to help you reduce the costs associated with Honda Civic insurance. Get a free online quote or contact a local agent in order to discover all available discounts in your area, plus visit their blog to gain further insights into reducing rates.

The Honda Civic is one of the most frequently stolen cars in America, which increases its insurance costs. Due to this high theft rate, insurers may need to replace more Civics after accidents than anticipated - even though this car boasts excellent crash ratings and repairs tend to be cost effective.

A 2011 Honda Civic LX Sedan's average annual car insurance cost is estimated to be $1,754. This falls well below the national average of $1,730 for popular vehicles, though New Jersey residents face much higher annual car insurance costs at an average annual car insurance cost of around $1,856 due to mandatory minimum coverage requirements in place there.

Insurance company

Car insurance rates for Honda Civics can vary considerably based on state, age, credit score and driving history criteria. A premium rate quote is your best way of estimating what the payment should be; also take into account deductibles, coverage options and any potential discounts when making this decision; some drivers choose comprehensive auto coverage while others choose liability only coverage; depending on what matters to you more; local agents might provide better customer service while online shopping may provide greater convenience.

Insurance costs associated with insuring a Honda Civic can be high, due to its high theft rate. Being one of the most frequently stolen cars on the road means insurers will factor this into their pricing calculations for your policy. But you may be able to reduce costs by maintaining a clean driving record, avoiding tickets and accidents and bundling policies together.

Ohio Mutual, State Auto, USAA and CaliforniaCasualty are among the cheapest car insurance providers for a Honda Civic, providing competitive quotes with discounted premiums. However, to secure the best possible rates it's wise to shop around - on average liability-only coverage costs approximately $87 monthly and choosing lower limits may help save even more money - check with your state for their minimum requirements for coverage limits before settling on one!