Honda Civic Insurance

There are many options when looking for the best insurance on your Honda vehicle. You can get prices from a local agent or get quotes online to compare rates from many different companies. Shopping for auto insurance from online companies saves time, is easy to do and there is a good chance you might just save a little.

Comparing auto insurance rates direct online can be a challenge if you are a beginner to online quotes. But relax because comparing prices is actually very simple. Reducing your Civic insurance cost is actually quite simple. All that's required is to spend a few minutes on the computer to get quotes online from several insurance companies. This is very easy and can be done by comparing rates here.

Auto insurance rates paid to insure a Honda Civic can vary widely and are calculated by many factors. Some of these factors include:

High performance increases premiums
Any accidents you may have
Whether you insure your home with the same company
How you use your vehicle
Extra coverages like towing and rental
Claims drive up premiums
Maintaining coverage lowers rates
Whether you own your home

A final factor that will help determine Civic insurance quotes is the model year. Newer models have a higher replacement value in comparison to later models so the costs to repair can inflate annual premiums. But newer vehicles may have a trim level with safety features including forward-collision avoidance, automatic crash notification, and tire pressure monitors which can lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Civic below.

Liability coverage

This can cover damage that occurs to a person or their property by causing an accident. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. It is cheap coverage so consider buying higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your Honda from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by your Honda Civic comprehensive insurance. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Due to the fact that many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP coverage is not an option in every state and gives slightly broader coverage than med pay.

How Much are Honda Civic Insurance Rates?

Honda Civic Insurance Quotes

Compare Honda Civic insurance rates