2011 Honda Civic Insurance Rates
Average insurance rates for a 2011 Honda Civic are $1,324 a year including full coverage. Comprehensive insurance costs around $198 a year, collision costs $468, and liability costs $488. Buying a liability-only policy costs as little as $544 a year, with high-risk insurance costing $2,910 or more. Teen drivers receive the highest rates at $5,244 a year or more.
Annual premium for full coverage: $1,324
Rate estimates for 2011 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 go from as low as $544 for just liability coverage to a high of $2,910 for a high risk driver.
These differences highlight why it is important for drivers to compare rates for a specific zip code and risk profile, instead of using price averages.
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Recommended Companies for Cheap 2011 Honda Civic Insurance
Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance policy? Trust us, you are not the only one feeling buyer’s remorse.
There is such a variety of insurance companies to purchase coverage from, and although it’s nice to have a choice, it makes it harder to compare rates and find the lowest cost insurance.
Consumers should take time to price shop coverage quite often because prices are rarely the same from one policy term to another. Even if you got the lowest rates for Civic coverage a year ago you can probably find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate the things you must know in order to find the best coverage while lowering your premiums.
This information will introduce you to the most effective way to quote insurance and some tricks to saving. If you have car insurance now, you should be able to reduce your rates substantially using these methods. But drivers must understand the way insurance companies market on the web and use this information to your advantage.
Recommended Companies for the Best Insurance Rates
Compare Quotes for Insurance Coverage
The are a couple different ways to compare rate quotes from insurance coverage companies in your area. The best method to find the lowest 2011 Honda Civic rates is simply to get online rate quotes. This can be accomplished in several different ways.
- Probably the best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This easy form eliminates the need for separate forms for every insurance coverage company. One form will get you price quotes from many national carriers.
- A more time consuming way to compare prices is spending the time to visit the website for every company you want to comare and request a quote. For instance, we’ll assume you want comparison quotes from USAA, GEICO and Allstate. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
It’s up to you how you get prices quotes, just compare the exact same coverages for every company. If you use different deductibles it’s not possible to make a fair comparison for your Honda Civic. Just a small difference in coverage limits may result in large price differences. Just remember that comparing more company’s prices helps locate better pricing.
Discounts to lower Honda Civic insurance rates
Insurance can cost an arm and a leg, buy you may qualify for discounts that can drop the cost substantially. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be manually applied before you will receive the discount.
- Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
- Low Mileage – Low mileage vehicles can earn better rates on cars that stay parked.
- Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Student in College – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
- Accident Forgiveness – A few companies permit an accident without raising rates if you are claim-free prior to the accident.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down your premiums.
For a list of providers who offer car insurance discounts, click here.
Tailor your coverage to you
When it comes to buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique so this has to be addressed. For example, these questions can help discover if you would benefit from an agent’s advice.
- What is the difference between comprehensive and collision coverage?
- Am I covered if I crash into my own garage door?
- Can I make deliveries for my home business?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Should I buy full coverage?
- Am I covered when using my vehicle for business?
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 don’t have a local agent, complete this form or go to this page to view a list of companies.
Your Honda Civic insurance rate is a complex equation
It’s important that you understand some of the elements that help determine the rates you pay for insurance coverage. Understanding what determines base rates enables informed choices that will entitle you to big savings.
The following are some of the factors insurance coverage companies consider when setting prices.
- Teen drivers pay high rates – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations. Teen drivers tend to be more careless in a vehicle therefore insurance coverage rates are much higher.
- Your credit rating is important – A driver’s credit score is a large factor in determining what you pay for insurance coverage. If your credit history is lower than you’d like, you could save money insuring your 2011 Honda Civic by spending a little time repairing your credit. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
- Better crash test results mean better rates – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Honda has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- More miles equals more premium – The more miles you rack up on your Honda in a year’s time the more you’ll pay to insure your vehicle. Almost all companies apply a rate based on how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. Verify your insurance coverage policy shows how each vehicle is driven, because it can save money. Incorrect usage on your Civic may be costing you.
- Where you live can impact rates – Choosing to live in a small town is a positive aspect when buying insurance coverage. City drivers have to deal with more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident as well as less vandalism and auto theft.
Auto insurance coverages
Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages offered by car insurance companies.
This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for things like scraping a guard rail, hitting a mailbox, damaging your car on a curb, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM)
This 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 hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as X-ray expenses, ambulance fees, funeral costs, prosthetic devices and chiropractic care. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as falling objects, damage from getting keyed, damage from flooding, fire damage and a broken windshield. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things such as funeral expenses, medical expenses, emergency aid, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Quote more. Save more.
Cheaper 2011 Honda Civic insurance can be bought online as well as from independent agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.
As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured cut physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
Helpful learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- A Tree Fell on Your Car: Now What? (Allstate)
- What is Covered by GAP Insurance? (Allstate)
- What is Full Coverage? (Allstate)
- Safety Belts FAQ (iihs.org)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,589|
|Los Angeles, CA||$2,235|
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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||$96|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.