2004 Honda Civic Insurance Rates
Average insurance rates for a 2004 Honda Civic are $1,104 a year for full coverage. Comprehensive insurance costs approximately $140 each year, collision insurance costs $250, and liability costs around $534. Buying a liability-only policy costs as low as $588 a year, and high-risk insurance costs $2,396 or more. Teenage drivers receive the highest rates at up to $4,558 a year.
Annual premium for full coverage: $1,104
Rate estimates for 2004 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2004 Honda Civic models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $588 for basic liability insurance to a high rate of $2,396 for a driver who has had serious violations or accidents.
These differences show why all drivers should compare prices using their specific location and risk profile, instead of making a decision based on average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2004 Honda Civic Insurance
Want better car insurance rates? Drivers have many options when trying to find the lowest priced Honda Civic insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to get rate quotes.
There is a right way and a wrong way to compare car insurance rates and you need to know the best way to get price quotes for a Honda and obtain the cheapest rates.
More discounts equal less premium
Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some must be inquired about before they will apply. If you’re not getting every credit available, you’re paying more than you need to.
- Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Civic coverage with select insurance companies.
- Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
- Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
- Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
- Senior Citizens – If you’re over the age of 55, you may be able to get a small decrease in premiums for Civic coverage.
- Anti-theft System – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.
Recommended Companies for the Best Insurance Rates
To see a list of insurance companies who offer auto insurance discounts, click here.
It’s not one size fits all
When choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.
These are some specific questions may help highlight if your insurance needs might need professional guidance.
- Do I have coverage when pulling a U-Haul trailer?
- How much underlying liability do I need for an umbrella policy?
- What if I don’t agree with a claim settlement offer?
- What is covered by UM/UIM coverage?
- Does insurance cover tools stolen from my truck?
- Can my teen drive my company car?
- Should I buy additional glass protection?
- Is pleasure use cheaper than using my 2004 Honda Civic to commute?
- Does my insurance cover damage caused when ticketed for reckless driving?
- When can I cancel my policy?
If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
Insurance coverage breakdown
Knowing the specifics of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 2004 Honda Civic.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as medical expenses, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.
Comprehensive coverage (or Other than Collision)
This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as vandalism, damage from getting keyed, fire damage and hitting a bird. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for ambulance fees, pain medications and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
In this article, we covered a lot of techniques to lower your 2004 Honda Civic insurance rates. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from an unexpected company.
Cheaper insurance can be sourced from both online companies and with local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.
People switch companies for a variety of reasons including delays in responding to claim requests, policy non-renewal, high rates after DUI convictions and extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
Additional information is available below:
- Get the Right Protection (InsureUonline.org)
- Auto Insurance Basics (Insurance Information Insitute)
- Child Safety Seats (Insurance Information Insitute)
- Auto Theft Statistics (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,740|
|Los Angeles, CA||$1,884|
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$69|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$40|
Discounts are estimated and may not be available from every company or in every state.