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2011 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: Nov 23, 2017

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Average insurance rates for a 2011 Honda Civic are $1,266 a year including full coverage. Comprehensive insurance costs around $180 a year, collision costs $382, and liability costs $524. Buying a liability-only policy costs as little as $580 a year, with high-risk insurance costing $2,766 or more. Teen drivers receive the highest rates at $5,090 a year or more.

Annual premium for full coverage: $1,266

Rate estimates for 2011 Honda Civic Insurance

Comprehensive $180
Collision $382
Liability $524

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 $580 for just liability coverage to a high of $2,766 for a high risk driver.

Liability Only $580
Full Coverage $1,266
High Risk $2,766

View Chart as Image

2011 Honda Civic insurance rates compared
Column chart showing 2011 Honda Civic insurance prices range from $743 to $5,090 for full coverage

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.

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 2011 Honda Civic Insurance

Searching Companies

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.

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.

  1. 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.
  2. 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.

Collision protection

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

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.

Auto liability

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

Rates by U.S. City

2011 Honda Civic Insurance Rates by City
City Premium
New York City, NY $2,001
Los Angeles, CA $2,163
Philadelphia, PA $1,688
Jacksonville, FL $1,837
Phoenix, AZ $1,473
Chicago, IL $1,696
Houston, TX $1,984
Seattle, WA $1,232
Columbus, OH $1,058
Indianapolis, IN $1,080

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Honda Civic Insurance Rates by Driver Age
Driver Age Premium
16 $5,090
20 $2,964
30 $1,296
40 $1,266
50 $1,164
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

2011 Honda Civic Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,516
$250 $1,400
$500 $1,266
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,266
50/100 $1,371
100/300 $1,502
250/500 $1,842
100 CSL $1,423
300 CSL $1,711
500 CSL $1,921

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Honda Civic Insurance Rates for High Risk Drivers
Age Premium
16 $7,212
20 $4,734
30 $2,798
40 $2,766
50 $2,646
60 $2,624

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 $180

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $70
Homeowner $21
5-yr Accident Free $87
5-yr Claim Free $81
Paid in Full/EFT $52
Advance Quote $60
Online Quote $87
Total Discounts $523
Rate after discounts $743

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

Find companies with the cheapest rates in your area

2011 Honda Civic Insurance Rates by State
State Premium
Alabama $1,144
Alaska $970
Arizona $1,052
Arkansas $1,266
California $1,442
Colorado $1,208
Connecticut $1,302
Delaware $1,434
Florida $1,584
Georgia $1,168
Hawaii $908
Idaho $858
Illinois $942
Indiana $956
Iowa $854
Kansas $1,202
Kentucky $1,726
Louisiana $1,874
Maine $784
Maryland $1,042
Massachusetts $1,010
Michigan $2,198
Minnesota $1,062
Mississippi $1,518
Missouri $1,122
Montana $1,360
Nebraska $998
Nevada $1,520
New Hampshire $912
New Jersey $1,416
New Mexico $1,120
New York $1,334
North Carolina $730
North Dakota $1,038
Ohio $874
Oklahoma $1,300
Oregon $1,160
Pennsylvania $1,206
Rhode Island $1,688
South Carolina $1,150
South Dakota $1,068
Tennessee $1,108
Texas $1,526
Utah $936
Vermont $866
Virginia $756
Washington $978
West Virginia $1,162
Wisconsin $876
Wyoming $1,128

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