Honda Civic Insurance Rates

Shopping for car insurance from online companies is easy, in addition you might just save a little. The key is getting as many rate quotes as possible in order to have every possible rate.

Consumers not familiar with comparing rates may think shopping for cheap Civic insurance can be quite difficult. When shopping for car insurance there are multiple ways to get quotes from different insurance companies. The best way to compare Civic insurance cost consists of shopping online. This is very easy and can be done by comparing rates here.

Criteria which help determine Civic insurance rates

Auto insurance rates for a Honda Civic can be significantly different based upon several criteria. A few of these criteria are:

Your driving record
Better credit means lower rates
Where you reside can make a big difference
How many miles you drive
Men typically pay more than women
Deductible amount directly impacts your rate
NTSB crash rating for your vehicle
What you do for a living
The level of coverage
Owning a home can lower rates

A final factor that will help determine Civic insurance quotes is the model year. Older cars and trucks have a much lower replacement value in comparison to older models so repair costs tend to be lower which will push premiums down. Conversely, more recent Honda vehicles may have a trim level with safety features such as forward-collision avoidance, automatic crash notification, and tire pressure monitors that may help lower rates.

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

Liability coverage

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Honda caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Civic collision insurance is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your Honda Civic comprehensive insurance. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often used to fill the gap from your health insurance policy or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

How Much are Honda Civic Insurance Rates?

Honda Civic Insurance Quotes

Criteria which help determine Civic insurance rates

Compare Honda Civic insurance rates