1. Vehicles
  2. Honda
  3. Civic
  4. 2005 Model Year

2005 Honda Civic Insurance Rates

Average insurance rates for a 2005 Honda Civic are $1,118 a year including full coverage. Comprehensive insurance costs approximately $150 each year, collision insurance costs $286, and liability coverage costs around $512. Buying a liability-only policy costs as low as $564 a year, and high-risk insurance costs $2,436 or more. Teenage drivers receive the highest rates at up to $4,568 a year.

Annual premium for full coverage: $1,118

Rate estimates for 2005 Honda Civic Insurance

Comprehensive $150
Collision $286
Liability $512

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 40-year-old driver, prices range range from as low as $564 for the bare minimum liability coverage to a high rate of $2,436 for high-risk insurance.

Liability Only $564
Full Coverage $1,118
High Risk $2,436

View Chart as Image

2005 Honda Civic insurance rates compared
Column chart showing 2005 Honda Civic insurance prices range from $666 to $4,568 for full coverage

These differences highlight why all drivers should compare prices using their specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Recommended Companies for Cheap 2005 Honda Civic Insurance

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Searching for lower insurance rates for your Honda Civic? Are you overwhelmed by the wide range of insurance companies? Lot’s of other consumers are too. There are so many choices that it can turn into a ton of work to find the lowest price.

It’s important to do rate comparisons periodically because prices are constantly changing. Even if you got the best deal for Civic insurance a year ago you may be paying too much now. There is too much inaccurate information about insurance online but we’re going to give you some excellent ideas to reduce your insurance bill.

Cheap Insurance Coverage Comparisons

The are a couple different ways to compare rate quotes from local insurance coverage companies. The best method to find the cheapest 2005 Honda Civic insurance rates consists of shopping online. This can be accomplished in a couple of different ways.

  • The fastest way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for multiple quote forms for each company. Completing one form gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.
  • A harder way to compare prices requires a trip to the website of each company to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from Allstate, Esurance and Travelers. To get each rate you have to go to every website to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  • The hardest method of getting rate comparisons is driving around to different agent offices. Buying insurance online has reduced the need for local agents unless you have a need for the professional advice of a local agent. However, consumers can compare online quotes and get advice from an agent in your area and we’ll touch on that later.

Whichever way you use, make sure you use identical coverage limits and deductibles for every quote you compare. If you are comparing different liability limits then you won’t be able to truly determine the lowest rate. Slightly different limits can make a big difference in price. And when quoting insurance coverage, remember that comparing more company’s prices will enable you to find better pricing.

Recommended Companies for the Best Insurance Rates

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Cut your insurance rates with discounts

Companies that sell car insurance don’t always publicize all available discounts very well, so we researched some of the best known and the more hidden ways to save on insurance.

  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Senior Citizens – Older drivers may qualify for a discount up to 10% for Civic insurance.
  • Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20% or more.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of insurance companies who offer insurance discounts, follow this link.

You are unique and your car insurance should be too

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions may help highlight whether you would benefit from professional advice.

  • How high should my medical payments coverage be?
  • How high should my uninsured/underinsured coverage be in my state?
  • If I drive on a suspended license am I covered?
  • Where can I find high-risk insurance?
  • I don’t drive much so do I pay less?
  • What if I total my 2005 Honda Civic and owe more than it’s worth?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage information

Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, damage from a tornado or hurricane, theft and damage from getting keyed. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Civic.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills like EMT expenses, doctor visits, chiropractic care, X-ray expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision insurance pays for damage to your Civic from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with a tree, hitting a parking meter, scraping a guard rail, crashing into a building and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as repair bills for other people’s vehicles, medical services, emergency aid and bail bonds. How much coverage you buy is your choice, but consider buying higher limits if possible.

Find the Cheapest Quotes in Your Area

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Rates by U.S. City

2005 Honda Civic Insurance Rates by City
CityPremium
New York City, NY$2,187
Los Angeles, CA$1,887
Philadelphia, PA$1,767
Jacksonville, FL$1,752
Phoenix, AZ$1,571
Chicago, IL$1,494
Houston, TX$1,401
Seattle, WA$1,242
Columbus, OH$953
Indianapolis, IN$904

Find companies with the cheapest rates in your area

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Rates by Driver Age

2005 Honda Civic Insurance Rates by Driver Age
Driver AgePremium
16$4,568
20$2,604
30$1,140
40$1,118
50$1,030
60$1,010

Full coverage, $500 deductibles

Rates by Deductible

2005 Honda Civic Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,310
$250$1,222
$500$1,118
$1,000$1,018

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,118
50/100$1,220
100/300$1,348
250/500$1,681
100 CSL$1,272
300 CSL$1,553
500 CSL$1,758

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Honda Civic Insurance Rates for High Risk Drivers
AgePremium
16$6,448
20$4,162
30$2,458
40$2,436
50$2,334
60$2,310

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.

SR-22 Surcharge $157

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$57
Multi-vehicle$62
Homeowner$20
5-yr Accident Free$72
5-yr Claim Free$71
Paid in Full/EFT$43
Advance Quote$51
Online Quote$76
Total Discounts$452
Rate after discounts $666

Discounts are estimated and may not be available from every company or in every state.

2005 Honda Civic Insurance Rates by State
StatePremium
Alabama$1,074
Alaska$918
Arizona$1,122
Arkansas$1,136
California$1,258
Colorado$1,162
Connecticut$1,466
Delaware$1,364
Florida$1,510
Georgia$1,108
Hawaii$1,206
Idaho$776
Illinois$830
Indiana$800
Iowa$840
Kansas$1,028
Kentucky$1,450
Louisiana$1,814
Maine$766
Maryland$1,154
Massachusetts$986
Michigan$2,058
Minnesota$982
Mississippi$1,096
Missouri$954
Montana$1,012
Nebraska$920
Nevada$1,444
New Hampshire$912
New Jersey$1,114
New Mexico$1,038
New York$1,458
North Carolina$794
North Dakota$1,088
Ohio$788
Oklahoma$1,360
Oregon$1,046
Pennsylvania$1,262
Rhode Island$1,356
South Carolina$1,042
South Dakota$876
Tennessee$1,006
Texas$1,078
Utah$992
Vermont$800
Virginia$806
Washington$986
West Virginia$1,140
Wisconsin$1,140
Wyoming$1,236

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