Cheapest 1993 Honda Civic Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 30, 2023

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Want cheaper auto insurance rates for your Honda Civic? Nobody looks forward to paying for auto insurance, in particular when the cost is way too high.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates to discover the definitive best price available.

You need to check auto insurance prices quite often because prices trend upward over time. Just because you found the lowest rates on Civic insurance a few years ago you will most likely find a better rate today. There is a lot of wrong information about auto insurance on the web, but with this article, you’re going to get the best ways to save money.

How to Get Insurance Comparison Quotes

When shopping for insurance there are multiple ways of comparing rate quotes and find the best price. The recommended way to find the cheapest 1993 Honda Civic insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  • The fastest way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This easy form prevents you from having to do separate quotes for each company. Completing one form will return quotes from insurance companies with the best prices.
  • A slightly less efficient method to compare rate quotes consists of going to each individual company website to complete their respective quote request forms. For instance, let’s say you want to compare USAA, 21st Century and Liberty Mutual. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare exactly the same quote information for every quote you compare. If you have mixed coverages you will not be able to find the best deal for your Honda Civic. Just a small difference in coverage limits may result in a large different in cost. It’s important to know that getting more free quotes helps locate the best rates.

Cut your premium with discounts

Insuring your vehicles can cost a lot, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but less common discounts must be specifically requested prior to getting the savings.

  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
  • Auto/Life Discount – Some companies give a break if you buy a life insurance policy as well.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates on Civic insurance.
  • Driver Safety – Completing a driver safety course can save you 5% or more if you qualify.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on Civic insurance than drivers with accident claims.
  • Homeowners Savings – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.

It’s important to understand that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will help reduce the cost of coverage.

For a list of insurers with the best car insurance discounts, click this link.

What is the best insurance coverage?

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Is my Honda Civic covered if I use it for business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are my friends covered when driving my car?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is a new car covered when I drive it off the dealer lot?
  • I have health insurance so do I need medical payments coverage?
  • What companies insure drivers after a DUI or DWI?
  • How do I file an SR-22 for a DUI in my state?
  • How high should deductibles be on a 1993 Honda Civic?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverages explained

Understanding the coverages of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.


This protects you from damage or injury you incur to a person or their property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, repair bills for other people’s vehicles and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Honda Civic.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield, vandalism, hitting a deer and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This coverage pays for damage to your Civic caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like rolling your car, damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for prosthetic devices, pain medications, nursing services, X-ray expenses and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

Throughout this article, we presented many ways to lower your 1993 Honda Civic insurance rates. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the biggest savings come from the least-expected company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

Cost effective insurance is possible online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Helpful information

Frequently Asked Questions

Why is it important to consider insurance rates for a 1993 Honda Civic?

Considering insurance rates for a 1993 Honda Civic is important because insurance costs are a significant factor in owning and operating a vehicle. Understanding the factors that affect insurance rates for this specific model can help you make informed decisions and potentially save money.

What factors can influence insurance rates for a 1993 Honda Civic?

Several factors can affect insurance rates for a 1993 Honda Civic, including:

  • Vehicle type: The Honda Civic is a compact car known for its affordability and popularity. Generally, compact cars have lower insurance rates compared to larger or high-performance vehicles.
  • Vehicle age and condition: Older vehicles like the 1993 Honda Civic may have lower insurance rates due to their lower market value.
  • Usage: How you use your Honda Civic (e.g., personal use, commuting, business use) can affect insurance rates.
  • Location: The area where you live and park your vehicle can influence insurance rates due to factors like crime rates, accident frequency, and local regulations.
  • Driver profile: Your age, driving history, and other personal factors can impact insurance rates for any vehicle, including the 1993 Honda Civic.

How can I find the cheapest insurance rates for a 1993 Honda Civic?

To find the cheapest insurance rates for a 1993 Honda Civic, consider the following tips:

  • Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
  • Maintain a clean driving record: Avoid traffic violations and accidents to maintain a good driving record, which can lead to lower insurance rates.
  • Inquire about discounts: Ask your insurance provider about any available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features.
  • Consider usage-based insurance: Some insurance companies offer usage-based insurance programs where your premiums are based on your driving habits. If you’re a safe driver, this could lead to lower rates.

Are there any specific insurance considerations for a 1993 Honda Civic?

When insuring a 1993 Honda Civic, it’s important to consider the following:

  • Coverage options: Determine the type and level of coverage that best suits your needs, such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
  • Safety features: The 1993 Honda Civic may have certain safety features, such as airbags or anti-lock braking systems. Inquire with your insurance provider if these features qualify for any discounts.
  • Modifications: If your Honda Civic has any modifications or aftermarket additions, it’s essential to inform your insurance provider, as they can affect coverage and rates.

How can I estimate the insurance rates for a 1993 Honda Civic?

To estimate insurance rates for a 1993 Honda Civic, you can contact insurance providers directly and provide them with the necessary details, such as your location, driving history, and specific coverage needs. Insurance rates can vary based on factors such as your personal profile, the model of your Honda Civic, and the insurance provider’s underwriting criteria. Obtaining multiple quotes from different insurers will give you a better understanding of the potential insurance rates for your Honda Civic.

Can I reduce my insurance rates for a 1993 Honda Civic over time?

Yes, there are several ways to potentially reduce your insurance rates for a 1993 Honda Civic over time:

  • Maintain a clean driving record: Avoid accidents and traffic violations to demonstrate responsible driving behavior, which can lead to lower insurance rates over time.
  • Build a history of insurance coverage: Continuously maintaining auto insurance coverage and a consistent payment history can show insurers that you are a reliable customer, potentially resulting in lower rates.
  • Take advantage of discounts: As you accumulate years of driving experience and establish a good insurance history, you may become eligible for additional discounts. Inquire with your insurance provider about any available discounts for long-term customers.
  • Periodically review your coverage: As your 1993 Honda Civic ages and its value depreciates, reassessing your coverage needs can help you avoid paying for unnecessary coverage and potentially lower your insurance rates.
  • Improve your credit score: In some states or insurance companies, a good credit score can positively impact your insurance rates. Make an effort to maintain a healthy credit score by paying bills on time and managing your finances responsibly.

What should I do if I’m having trouble finding affordable insurance for my 1993 Honda Civic? unts.

If you’re having difficulty finding affordable insurance for your 1993 Honda Civic, consider the following options:

  • Seek quotes from different insurance providers: Not all insurance companies rate vehicles the same way, so it’s worth exploring options from multiple providers to find the most competitive rates.
  • Work with an insurance broker: An insurance broker can help you navigate the insurance market and find suitable coverage options at competitive rates.
  • Consider joining an auto club or association: Some auto clubs or associations offer discounted insurance rates to their members. Explore membership options that may provide access to exclusive insurance deals.
  • Opt for higher deductibles: Increasing your deductibles can lower your premiums, but be sure to evaluate whether you can comfortably afford the higher out-of-pocket expenses in the event of a claim.
  • Improve your driving skills: Completing a defensive driving course or driver’s education program may not only enhance your driving skills but also make you eligible for insurance discounts.

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