Vehicles > Honda > Civic

Honda Civic Insurance Quotes

Finding cheaper car insurance through online companies saves time, is easy to do and at the same time you may find lower rates. The key to finding lower rates is to take the time to get rates from all companies so you can compare every possible rate.

Finding the best direct price on car insurance is challenging if you are a beginner to online quotes. But don't be discouraged because we're going to show you how. The are a couple different ways to compare quotes from different insurance companies. The best way to find the lowest Civic insurance cost is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

FREE Car Insurance Comparison

What factors determine your insurance rates?

Insurance premiums on a Honda Civic can vary widely and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Credit rating
  • The size of your community
  • The number of annual miles
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Your job
  • The level of coverage
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new Honda models so the cost to replace them may end up costing you less. Conversely, newer models have more advanced features such as a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control which can provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Coverage for liability

This protects you from damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so buy higher limits if possible.

Collision coverage protection

This pays for damage to your Honda resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Civic can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Honda Civic Insurance Rates?