2007 Honda Civic Insurance Rates
Average insurance rates for a 2007 Honda Civic are $1,208 a year including full coverage. Comprehensive insurance costs an estimated $164 a year, collision insurance costs $330, and liability insurance costs around $534. Buying a liability-only policy costs as low as $588 a year, and high-risk insurance costs $2,636 or more. Teenage drivers receive the highest rates at up to $4,912 a year.
Annual premium for full coverage: $1,208
Rate estimates for 2007 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 $588 for basic liability insurance to a high of $2,636 for a driver that may need high-risk insurance.
These differences highlight why it is important for drivers to compare prices for a targeted area and risk profile, rather than relying on average rates.
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Recommended Companies for Cheap 2007 Honda Civic Insurance
Trying to find cheaper auto insurance rates for your Honda Civic? No one in their right mind looks forward to paying for auto insurance, particularly when they are paying too much.
Because you have many companies and agents to choose from, it’s difficult to locate the cheapest company.
Consumers should take time to do rate comparisons quite often since rates are variable and change quite frequently. Even if you got the best rates on Civic insurance a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.
The method we recommend to compare policy rates is to understand most of the larger companies have advanced systems to provide you with free rate quotes. The one thing you need to do is provide a little information including how your vehicles are used, how much you drive, how much education you have, and your credit rating estimate. That rating data is automatically sent to multiple companies and they return rate quotes quickly.
Recommended Companies for the Best Insurance Rates
Your Honda Civic insurance rate is a complex equation
Smart consumers have a good feel for the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay enables informed choices that may reward you with lower auto insurance prices.
The following are some of the items auto insurance companies consider when setting rates.
- Lower deductibles cost more – Physical damage deductibles represent how much money you are willing to pay in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be colliding with a building, collision with an animal, or theft. The more the insured has to pay upfront, the less your company will charge you for insurance on Civic insurance.
- Big city or small town – Residing in less populated areas is a positive aspect when talking about auto insurance. Drivers who live in large cities tend to have more traffic problems and a longer drive to work. Lower population means fewer accidents and a lower car theft rate.
- Older drivers save more – Young drivers have a tendency to get distracted easily when behind the wheel so they pay higher auto insurance rates. Older insureds are more responsible, tend to cause fewer accidents and are safer drivers.
- Small claims can cost you – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies award discounts to people who do not file claims often. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
- Your spouse saves you money – Having a wife or husband actually saves money on auto insurance. Having a significant other is viewed as being more mature and it’s statistically proven that being married results in fewer claims.
- Occupation reflects on rates – Did you know that where you work can have an impact on rates? Careers like doctors, executives and stock brokers tend to pay the highest rates because of high stress levels and lots of time spent at work. On the other hand, occupations such as farmers, students and homemakers have the lowest average rates on Civic insurance.
- A clean driving record saves money – Just one speeding ticket can increase rates by twenty percent. Good drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
- Equipment add-ons that lower auto insurance rates – Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
Get lower rates on 2007 Honda Civic insurance
Insurance can cost an arm and a leg, but you can get discounts to help bring down the price. Some trigger automatically when you purchase, but lesser-known reductions have to be inquired about before they will apply.
- Discount for Swiching Early – Select companies give a discount for signing up before your current expiration date. The savings is around 10%.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
- Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
- Paperwork-free – A few companies give back up to $50 just for signing your application on their website.
- Claim Free – Good drivers with no accidents can save substantially as compared to frequent claim filers.
- Multi-policy Discount – If you have multiple policies with one company you will save up to 20% off your total premium.
Drivers should understand that most discounts do not apply the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way. But any discount will bring down the cost of coverage.
For a list of companies with the best insurance coverage discounts, click here.
Tailor your coverage to you
When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions can help discover if your insurance needs could use an agent’s help.
- Is my Honda Civic covered if I use it for business?
- Are my friends covered when driving my car?
- When would I need additional glass coverage?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- When should my teen driver be added to my policy?
- What are the financial responsibility laws in my state?
- What is roadside assistance coverage?
- What can I do if my company denied a claim?
- Does coverage extend to Mexico or Canada?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Learn about insurance coverages for a Honda Civic
Having a good grasp of a insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types found on the average insurance policy.
This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as structural damage, loss of income, court costs, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.
Collision coverage protection
Collision coverage will pay to fix damage to your Civic from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like rolling your car, sideswiping another vehicle, damaging your car on a curb, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.
Insurance for medical payments
Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, funeral costs and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Comprehensive coverage (or Other than Collision)
Comprehensive insurance 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 things like rock chips in glass, damage from flooding and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Be Smart and Buy Smart
While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The aim is to get the best coverage possible for the lowest price.
Affordable 2007 Honda Civic insurance is available both online and with local insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
We’ve covered some good ideas how to reduce insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.
Additional learning opportunities
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Who Has the Cheapest Car Insurance Quotes for a Honda Civic in Miami? (MiamiCoverage.com)
- Booster Seat Ratings (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Determing Auto Insurance Rates (GEICO)
- Avoiding Deer Collisions (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$1,908|
|Los Angeles, CA||$2,064|
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Need a specific model?
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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||$80|
|5-yr Claim Free||$77|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.