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2008 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: Jun 13, 2015

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Average insurance rates for a 2008 Honda Civic are $1,178 a year including full coverage. Comprehensive insurance costs on average $158, collision costs $300, and liability insurance costs around $540. Buying a liability-only policy costs as low as $592 a year, with high-risk insurance costing $2,566 or more. Teenage drivers receive the highest rates at $4,810 a year or more.

Annual premium for full coverage: $1,178

Rate estimates for 2008 Honda Civic Insurance

Comprehensive $158
Collision $300
Liability $540

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 go from as low as $592 for a discount liability-only rate to a much higher rate of $2,566 for a driver who has had serious violations or accidents.

Liability Only $592
Full Coverage $1,178
High Risk $2,566

View Chart as Image

2008 Honda Civic insurance rates compared
Column chart showing 2008 Honda Civic insurance prices range from $701 to $4,810 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than relying on 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.

Recommended Companies for Cheap 2008 Honda Civic Insurance

Searching Companies

Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Believe me, there are lots of people in the same boat.

With so many choices, it is very difficult to pick the most affordable company.

It is always a good idea to compare rates occasionally due to the fact that insurance rates are rarely the same from one policy term to another. Even if you think you had the best deal on Civic coverage six months ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some good information on how to reduce your insurance coverage bill.

Discounts to lower Honda Civic insurance rates

Companies do not list every discount very well, so we break down both well-publicized and also the lesser-known ways to save on auto insurance.

  • Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Safety Course Discount – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • College Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.

It’s important to note that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of insurers with the best auto insurance discounts, follow this link.

Complexity of Honda Civic insurance rates

It’s important that you understand some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with big savings.

The list below includes a few of the “ingredients” that factor into rates.

  • Pay less after the wedding – Having a spouse actually saves money on your policy. Having a significant other translates into being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Extra coverages can waste money – There are quite a few extra bells and whistles you can purchase on your auto insurance policy. Things like personal injury protection, better glass coverage and membership fees may be costing you every month. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.
  • Discounts for multiple policies – The majority of auto insurance companies will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other company rates to ensure the best deal. Consumers may find better rates by insuring with multiple companies.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
  • Older drivers save more – More mature drivers are more responsible, file fewer claims and tend to be better behind the wheel. Young drivers are statistically proven to get distracted easily when driving therefore auto insurance rates are much higher.
  • Better credit means lower rates – Credit rating is a big factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit ratings. Therefore, if your credit score can use some improvement, you could pay less to insure your 2008 Honda Civic by improving your credit score.
  • Small claims can cost you – Companies provide lower rates to people who do not file claims often. If you file claims often, you can pretty much guarantee higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Increase deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. The higher the amount the insured has to pay upfront, the lower your rates will be on Civic coverage.

Tailor your coverage to you

When choosing coverage, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you might need professional guidance.

  • Is a blown tire covered by insurance?
  • Is my trailer covered?
  • Should I waive the damage coverage when renting a car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I have coverage if my license is suspended?
  • How high should my medical payments coverage be?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Don’t believe everything you hear

Insurance companies such as State Farm, Allstate and GEICO consistently run television and radio advertisements. They all seem to say the same thing of big savings if you change to their company. How does each company claim to save you money? This is how they do it.

Different companies can use profiling for the type of driver they prefer to insure. A good example of a desirable insured might be a mature driver, has no tickets, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and as a result will probably save when switching.

Drivers who don’t measure up to these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the way they do. Because of the profiling, you absolutely need to get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Insurance coverages and their meanings

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other motorists 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.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical costs insurance – Med pay and PIP coverage kick in for immediate expenses like dental work, chiropractic care, rehabilitation expenses, ambulance fees and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hitting a bird and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as funeral expenses, pain and suffering, bail bonds, court costs and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, hitting a mailbox and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Do the work, save more money

Budget-conscious 2008 Honda Civic insurance is possible online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just read quite a bit of information on how to save on insurance. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with some of the smallest insurance companies. They can often provide lower rates in certain areas compared to the large companies like Progressive and GEICO.

More detailed auto insurance information can be read by following these links:

Rates by U.S. City

2008 Honda Civic Insurance Rates by City
City Premium
New York City, NY $1,863
Los Angeles, CA $2,013
Philadelphia, PA $1,571
Jacksonville, FL $1,710
Phoenix, AZ $1,372
Chicago, IL $1,577
Houston, TX $1,846
Seattle, WA $1,144
Columbus, OH $985
Indianapolis, IN $1,003

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $4,810
20 $2,744
30 $1,198
40 $1,178
50 $1,084
60 $1,064

Full coverage, $500 deductibles

Rates by Deductible

2008 Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,288
$500 $1,178
$1,000 $1,074

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,178
50/100 $1,286
100/300 $1,421
250/500 $1,772
100 CSL $1,340
300 CSL $1,637
500 CSL $1,853

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $6,792
20 $4,382
30 $2,588
40 $2,566
50 $2,456
60 $2,434

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 $165

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $66
Homeowner $21
5-yr Accident Free $76
5-yr Claim Free $75
Paid in Full/EFT $45
Advance Quote $54
Online Quote $80
Total Discounts $477
Rate after discounts $701

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

Find companies with the cheapest rates in your area

2008 Honda Civic Insurance Rates by State
State Premium
Alabama $1,066
Alaska $904
Arizona $980
Arkansas $1,178
California $1,342
Colorado $1,124
Connecticut $1,210
Delaware $1,334
Florida $1,474
Georgia $1,088
Hawaii $846
Idaho $800
Illinois $876
Indiana $888
Iowa $794
Kansas $1,118
Kentucky $1,606
Louisiana $1,744
Maine $728
Maryland $972
Massachusetts $940
Michigan $2,046
Minnesota $986
Mississippi $1,412
Missouri $1,042
Montana $1,264
Nebraska $930
Nevada $1,412
New Hampshire $848
New Jersey $1,318
New Mexico $1,042
New York $1,242
North Carolina $678
North Dakota $966
Ohio $814
Oklahoma $1,208
Oregon $1,080
Pennsylvania $1,122
Rhode Island $1,572
South Carolina $1,068
South Dakota $996
Tennessee $1,028
Texas $1,420
Utah $872
Vermont $806
Virginia $706
Washington $908
West Virginia $1,080
Wisconsin $816
Wyoming $1,050

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