2009 Honda Civic Insurance Rates
Average insurance rates for a 2009 Honda Civic are $1,228 a year including full coverage. Comprehensive costs approximately $178, collision costs $386, and liability insurance costs $494. Buying a liability-only policy costs as little as $548 a year, with high-risk insurance costing around $2,686. Teen drivers receive the highest rates at $4,914 a year or more.
Annual premium for full coverage: $1,228
Rate estimates for 2009 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 go from as low as $548 for basic liability insurance to the much higher price of $2,686 for high-risk insurance.
These differences highlight why everyone should compare rates using their specific location and risk profile, rather than relying on price averages.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2009 Honda Civic Insurance
Consumers have lots of choices when looking for the lowest priced Honda Civic insurance. You can either spend your time contacting agents trying to get quotes or save time using the internet to get rate quotes.
There is a better way to shop for auto insurance so you’re going to learn the quickest way to quote coverages for a Honda and locate the lowest possible price from local insurance agents and online providers.
Compare the Market for Auto Insurance
Finding cheaper 2009 Honda Civic auto insurance prices can be surprisingly simple. The only requirement is to take the time getting comparison quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- One of the best ways to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method keeps you from doing multiple quote forms for each company you want a rate for. Just one form will return quotes from all major companies. Recommended for those who want to invest the least amount of time.
- A more difficult way to get comparison quotes is spending the time to visit the website for every company you want to comare and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from Allstate, 21st Century and State Farm. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.
It’s up to you which method you use, but ensure you’re using exactly the same quote information for each price quote. If each company quotes different values for each quote it will be impossible to make a fair comparison for your Honda Civic.
Recommended Companies for the Best Insurance Rates
Save on Honda Civic insurance
Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. Certain discounts will be applied when you quote, but some must be specially asked for in order for you to get them. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
- Military Rewards – Having a family member in the military could be rewarded with lower premiums.
- Student Driver Training – Require your teen driver to enroll in driver’s education in school.
- Save over 55 – Older drivers may qualify for a discount up to 10% on Civic insurance.
- Accident Free – Good drivers with no accidents pay much less compared to drivers who are more careless.
- Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Drivers should understand that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.
Companies that possibly offer these benefits may include but are not limited to:
It’s a good idea to ask every prospective company which discounts they offer. Some discounts may not be available in every state.
These factors can influence what you pay for Honda Civic insurance
An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.
Shown below are some of the items used by your company to calculate prices.
- Lower deductibles cost more – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Honda. Some examples of claims that would be covered are a windshield shattered by a rock, damage from fire, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket before your car insurance pays a claim. The more money the insured has to pay upfront, the less your car insurance will be on Civic insurance.
- Your job and insurance rates – Jobs such as judges, architects and financial analysts tend to pay higher average rates in part from high stress and long work hours. Conversely, occupations like pilots, engineers and the unemployed have the lowest average rates on Civic insurance.
- Little extras can really add up – There are many extra bells and whistles you can purchase on your Civic policy. Coverages for rental car reimbursement, better glass coverage and additional equipment coverage are some examples. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.
- Having a spouse can save you money – Being married can actually save you money when buying car insurance. It translates into being more responsible and it’s statistically proven that drivers who are married are more cautious.
- Frequent car insurance claims increase rates – If you are a frequent claim filer, you can pretty much guarantee higher rates. Auto insurance companies award lower rates to policyholders who do not rely on their insurance for small claims. Insurance coverage is intended for the large, substantial claims.
Tailor your coverage to you
When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different.
For example, these questions might help in determining whether you would benefit from professional advice.
- Does coverage extend to my business vehicle?
- Are rental cars covered under my policy?
- What is the difference between comprehensive and collision coverage?
- Are rock chip repairs covered?
- How can I get high-risk coverage after a DUI?
- When should I remove comp and collision on my 2009 Honda Civic?
- Do I have coverage when using my vehicle for my home business?
If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.
Insurance coverage specifics
Learning about specific coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.
Coverage for liability
This protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims like court costs, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is your choice, but you should buy as much as you can afford.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Honda Civic.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like chiropractic care, doctor visits, rehabilitation expenses, EMT expenses and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as rock chips in glass, damage from flooding, hail damage, theft and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Auto collision coverage
Collision insurance covers damage to your Civic resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.
Be a Smart Shopper
Drivers switch companies for a variety of reasons including policy cancellation, unfair underwriting practices, an unsatisfactory settlement offer or delays in paying claims. It doesn’t matter why you want to switch finding a new company is less work than it seems.
As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your aim should be to buy enough coverage at an affordable rate while not skimping on critical coverages.
Cheap 2009 Honda Civic insurance is available both online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
- Help Your Teen Be a Better Driver (State Farm)
- Who Has Affordable Las Vegas Car Insurance Rates for a Honda Civic? (LasVegasInsure.com)
- Insurance Losses by Make and Model (iihs.org)
- Learn About Car Insurance (GEICO)
- Tools for Teen Driving Safety (State Farm)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,400|
|Los Angeles, CA||$2,070|
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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||$85|
|5-yr Claim Free||$79|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.