2010 Honda Civic Insurance Rates
Average insurance rates for a 2010 Honda Civic are $1,274 a year for full coverage. Comprehensive insurance costs approximately $190, collision insurance costs $420, and liability costs $494. Buying a liability-only policy costs as little as $548 a year, and high-risk insurance costs $2,790 or more. Teen drivers receive the highest rates at up to $5,064 a year.
Annual premium for full coverage: $1,274
Rate estimates for 2010 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 middle-aged driver, prices range range from as low as $548 for a discount liability-only rate to the much higher price of $2,790 for a high risk driver.
These differences show why everyone should compare rates using their specific location and risk profile, instead of making a decision based on price averages.
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Recommended Companies for Cheap 2010 Honda Civic Insurance
Want lower auto insurance rates for your Honda Civic? Have you fallen victim to high-priced auto insurance? Trust us when we tell you you’re not alone. Big companies like GEICO, Farmers Insurance and State Farm all claim big savings with advertising and consumers find it hard to see through the deception and take the time to shop coverage around.
It’s a good idea to get comparison quotes yearly because prices are variable and change quite frequently. Even if you think you had the best rates for Civic insurance six months ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to find out how to use the internet to reduce your cost while improving coverage.
If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to reduce the price you pay and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Vehicle owners just need to learn the proper way to get comparison quotes on the web.
How to Get Car Insurance Comparison Quotes
Shopping for lower car insurance rates can be a daunting task if you don’t know the most efficient way. You can spend countless hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to maximize your effort.
Recommended Companies for the Best Insurance Rates
Many of the larger companies enroll in a system where prospective buyers submit their information once, and every company can provide price quotes. This system prevents you from having to do quotation requests to every company. To get comparison pricing now click here (opens in new window).
The only downside to getting quotes like this is you can’t choose the insurers to get pricing from. If you would rather choose individual companies to compare, we have assembled a list of car insurance companies in your area. View list of insurance companies.
However you get your quotes, make darn sure you compare identical coverage limits and deductibles for each price quote. If the quotes have different liability limits it will be very difficult to determine the best price for your Honda Civic.
Cut prices on Honda Civic insurance
Companies that sell car insurance don’t always publicize every available discount very clearly, so we took the time to find some of the best known and the harder-to-find insurance savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.
- Save over 55 – If you’re over the age of 55, you may qualify for better insurance rates for Civic insurance.
- Paperless Signup – Certain companies give back up to $50 for buying a policy and signing up online.
- Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
- Student in College – Kids in college who live away from home and do not have a car may qualify for this discount.
- Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies wouldn’t make money that way.
For a list of providers with discount insurance rates, click here to view.
Tailor your coverage to you
When buying the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if you may require specific advice.
- Do I need more liability coverage?
- Are rental cars covered under my policy?
- Is my 2010 Honda Civic covered for smoke damage?
- Who is covered when they drive my 2010 Honda Civic?
- When should I not file a claim?
- Am I covered if I hit a deer?
- What exactly is covered by my policy?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Insurance coverage considerations
Knowing the specifics of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on the average insurance policy.
Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a broken windshield, falling objects, fire damage and hail damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2010 Honda Civic.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Auto liability – Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage protects against things such as court costs, bail bonds, medical expenses, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, funeral costs, dental work, ambulance fees and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Collision coverages – This pays for damage to your Civic caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,490|
|Los Angeles, CA||$2,148|
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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||$90|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.