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2006 Honda Civic Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 24, 2021

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Average insurance rates for a 2006 Honda Civic are $1,068 a year with full coverage. Comprehensive insurance costs an estimated $134 each year, collision insurance costs $224, and liability coverage costs $530. Buying a liability-only policy costs as little as $584 a year, and high-risk insurance costs $2,314 or more. Teen drivers receive the highest rates at up to $4,430 a year.

Annual premium for full coverage: $1,068

Rate estimates for 2006 Honda Civic Insurance

Comprehensive $134
Collision $224
Liability $530

Rate data is compiled from all 50 U.S. states and averaged for all 2006 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 the average driver, prices range range from as low as $584 for a discount liability-only rate to a high rate of $2,314 for a driver that may need high-risk insurance.

Liability Only $584
Full Coverage $1,068
High Risk $2,314

View Chart as Image

2006 Honda Civic insurance rates compared
Column chart showing 2006 Honda Civic insurance prices range from $649 to $4,430 for full coverage

These differences demonstrate why all drivers should compare rates for a targeted area and risk profile, rather than using price averages.

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.

Recommended Companies for Cheap 2006 Honda Civic Insurance

Searching Companies

Locating cheaper insurance for a Honda Civic could be an all-consuming task, but you can use our insurance coverage buying tips to save time.

There is a better way to buy insurance coverage so you’re going to learn the quickest way to quote coverages for your Honda and get the lowest price from local insurance agents and online providers.

You should make it a habit to shop coverage around periodically because rates change frequently. Just because you had the best deal for Civic coverage two years ago there may be better deals available now. So just forget anything you know (or think you know) about insurance coverage because you’re about to learn the only way to properly buy coverages and cut your premium.

Pricing the best coverage is not that difficult. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverages. Consumers just need to know the best way to compare company rates over the internet.

Honda Civic rates are in the details

Consumers need to have an understanding of the rating factors that help determine insurance coverage rates. Knowing what influences your rates allows you to make educated decisions that could result in lower insurance coverage prices.

  • Marriage brings a discount – Being married helps lower the price on insurance coverage. Having a significant other usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.
  • Where you live – Choosing to live in small towns and rural areas can be a good thing when it comes to insurance coverage. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with much more traffic to deal with and longer commutes to work. More time on the road means higher likelihood of an accident.
  • Rates may be lower depending on your job – Did you know your insurance coverage rates can be affected by your occupation? Occupations like doctors, business owners and dentists tend to pay the highest average rates because of high stress and lots of time spent at work. Other jobs such as scientists, historians and performers have the lowest average rates for Civic coverage.
  • Men fork out a little more – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men tend to get into accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
  • Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Honda Civic is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Your age impacts your rates – Teen drivers tend to be less responsible behind the wheel so they pay higher insurance coverage rates. If you’ve ever had to add a youthful driver onto your insurance coverage can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel.
  • You might want pay the small claims yourself – Auto insurance companies give lower rates to drivers who do not file claims often. If you file claims often, you can look forward to higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but a few need to be asked for before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • College Student – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Senior Citizens – Older drivers can possibly qualify for better insurance coverage rates for Civic coverage.
  • Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break on insurance coverage for Civic coverage.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Civic coverage than drivers with accident claims.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Honda can earn better rates on cars that stay parked.
  • Homeowners Pay Less – Being a homeowner can help you save on insurance coverage because maintaining a house requires personal responsibility.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Civic coverage with a few insurance coverage companies.

Drivers should understand that most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

Insurance companies that may offer some of the above discounts are:

  • State Farm
  • Nationwide
  • GEICO
  • AAA
  • 21st Century
  • The Hartford

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts might not be offered in every state.

When should I talk to an agent?

When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Should I buy full coverage?
  • Can I get a multi-policy discount?
  • How do I buy GAP insurance?
  • Should I sign the liability waiver when renting a car?
  • Do I have newly-aquired coverage?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverages – This coverage will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, crashing into a ditch, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, hospital visits, EMT expenses, dental work and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Liability – Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical services, structural damage and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM Coverage – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2006 Honda Civic.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, rock chips in glass, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Summing up your insurance coverage search

Throughout this article, we presented many ideas to reduce 2006 Honda Civic insurance prices online. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with an unexpected company.

Cost effective insurance is possible on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Drivers switch companies for many reasons like unfair underwriting practices, delays in responding to claim requests, being labeled a high risk driver and even an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

For more information, take a look at these articles:

Rates by U.S. City

2006 Honda Civic Insurance Rates by City
City Premium
New York City, NY $1,689
Los Angeles, CA $1,827
Philadelphia, PA $1,425
Jacksonville, FL $1,550
Phoenix, AZ $1,243
Chicago, IL $1,426
Houston, TX $1,672
Seattle, WA $1,036
Columbus, OH $893
Indianapolis, IN $911

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $4,430
20 $2,476
30 $1,080
40 $1,068
50 $984
60 $964

Full coverage, $500 deductibles

Rates by Deductible

2006 Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,226
$250 $1,154
$500 $1,068
$1,000 $986

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,068
50/100 $1,174
100/300 $1,307
250/500 $1,651
100 CSL $1,227
300 CSL $1,519
500 CSL $1,731

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $6,230
20 $3,950
30 $2,326
40 $2,314
50 $2,218
60 $2,196

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 $146

Potential Rate Discounts

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

Discount Savings
Multi-policy $53
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $65
5-yr Claim Free $67
Paid in Full/EFT $38
Advance Quote $47
Online Quote $71
Total Discounts $419
Rate after discounts $649

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

Find companies with the cheapest rates in your area

2006 Honda Civic Insurance Rates by State
State Premium
Alabama $964
Alaska $820
Arizona $888
Arkansas $1,068
California $1,218
Colorado $1,018
Connecticut $1,096
Delaware $1,210
Florida $1,336
Georgia $986
Hawaii $764
Idaho $724
Illinois $792
Indiana $806
Iowa $722
Kansas $1,012
Kentucky $1,456
Louisiana $1,582
Maine $660
Maryland $882
Massachusetts $852
Michigan $1,852
Minnesota $894
Mississippi $1,280
Missouri $946
Montana $1,146
Nebraska $842
Nevada $1,282
New Hampshire $772
New Jersey $1,194
New Mexico $946
New York $1,126
North Carolina $614
North Dakota $876
Ohio $738
Oklahoma $1,096
Oregon $980
Pennsylvania $1,018
Rhode Island $1,424
South Carolina $968
South Dakota $900
Tennessee $934
Texas $1,286
Utah $790
Vermont $730
Virginia $638
Washington $822
West Virginia $980
Wisconsin $738
Wyoming $952

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