Wondering what the cost of insurance is for a Honda Civic? This car has been known as a great value for generations, making it one of the best-selling vehicles in the United States. Civic fans appreciate the excellent fuel economy and impressive safety ratings. this classic is a reliable vehicle at an affordable price. Here’s what you need to know about the costs associated with insurance on your new or used Honda Civic.
average cost of honda civic insurance
According to data from the finance blog nerdwallet reported by cover.com, the civic is the 18th cheapest vehicle to insure in the us. uu. You’ll pay about $1,876 per year for insurance on your late-model Honda Civic.
coverhound outlines the average six-month cost of insurance for various model years of the honda civic as follows:
- $691.28 for a 2009 civic
- $695.10 for a 2010 civic
- $719.18 for a 2011 civic
- $736.15 for a 2012 civic</li
- $751.06 for a 2013 civic
These numbers consider the average cost of insuring a civic in all 50 states.
factors that contribute to insurance costs
Insurance companies set a car insurance premium for each vehicle based on its vulnerability to damage, the cost of replacement if lost, the vehicle’s theft rate, and the safety ratings for the model. here’s how the civic fits into those categories.
susceptibility to damage
The National Highway and Highway Traffic Safety Administration classifies vehicles in terms of susceptibility to damage. the honda civic has a 109, which puts it above the average for all vehicles (100) but slightly below the average score of 119 for its competitors.
cost of repairs
As an imported vehicle, the Honda Civic has higher replacement costs compared to domestic cars in its class. however, because it is so popular and affordable, this model offers relatively inexpensive repairs compared to other foreign cars.
theft rate
The cost of insuring a honda civic increases somewhat due to the vehicle’s relatively high theft rates. however, because there are so many Civics on the road, it makes sense that they are stolen more often than less ubiquitous cars. These vehicles also have high-value parts because you can use them in other Civics of various model years. while older civics have an ignition block that a thief can easily break, newer models have upgraded protections.
security ratings
The Civic’s impressive safety ratings work in its favor when it comes to insurance costs. Every model year earns consistently high crash test scores from the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA).
cost of repair or replacement
website cover.com notes that the honda civic’s relatively low msrp also helps reduce insurance premium costs. That’s because the insurance company looks at how much they would have to pay to repair or replace your vehicle after a loss.
driver age
Small, compact cars can pose a higher risk to insurance companies. Because younger, less experienced drivers often buy these vehicles, many insurers increase the premium cost for small cars.
This is especially true for drivers under the age of 25. For this reason, you could pay up to 10 percent of the cost of a Civic to purchase vehicle insurance, compared to an average of about 7 percent for a Honda. cr-v or comparable suv. In fact, Value Penguin points out that the Civic is the most expensive Honda to insure.
Speaking of age, it also plays a role in the cost of insuring your vehicle. Based on reviews from insurance experts, a 30-year-old man driving a Honda Civic will pay nearly $1,900 less for an annual insurance policy than a 20-year-old driver would.
model and model
The 2019 model costs more with an average of 6 percent more to insure than other model years ($2,502). the averages for other models are as follows:
- 2018 honda civic: $2474 per month and $8727 per year
- 2017 honda civic $2413 per month and $8546 per year
- 2016 honda civic $2347 per month and $8321 per year year year
- 2015 honda civic $2190 per month and $7821 per year
- 2014 honda civic $2291 per month and $8146 per year
The model and trim level you choose can also affect the cost of insuring your honda civic. For example, sportier models like two-door coupes cost more to insure than sedans.
geographic location
Location is a factor for insurance companies, as your geographic location potentially increases your risk of accidents, theft and other claims. If you live in Los Angeles, your civic insurance could cost at least $1,321 more per year than it would for a driver living in the Midwest.
driving history
If you have tickets, insurance claims or violations on your driving record, you will see the cost of your civic insurance increase. this impact especially affects teenagers and drivers in their twenties. Value Penguin reports an average monthly payment of $197.50 to insure a Civic for a 30-year-old owner.
insurance company
If you’re looking for the cheapest insurance for your Honda Civic, ValuePenguin recommends State Farm. This company has an average annual premium of $1642 for a 2018 Honda Civic. Annual averages from other companies for this make and model include:
- usaa: $622 per year
- geico: $655 per year
- state farm: $665 per year
- series: $704 per year
- progressive: $778 per year
- nationally: $1007 per year
strategies to save on honda civic insurance
these techniques can help you find an affordable insurance policy for your honda civic:
- share a policy with an older or more experienced driver, especially if they are new to the road.
- rent your new honda civic with a service like turo to offset the cost of insurance.
- Ask about discounts for bundling insurance policies, taking defensive driving courses, or getting good grades.
- Compare with different companies to get the best possible quote.
- eliminate or reduce comprehensive and collision insurance from your policy if possible. however, if you lease or finance your civic vehicle, you may be required to keep these policies until the lease is up or the car loan is paid off.
the honda civic earns its reputation as one of the most reliable vehicles on the road. Check out this guide when you’re ready to find the best insurance for your new civic.
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