2012 Honda Civic Insurance Rates
Average insurance rates for a 2012 Honda Civic are $1,358 a year including full coverage. Comprehensive insurance costs an estimated $206, collision costs $498, and liability costs around $484. Buying a liability-only policy costs as low as $540 a year, with high-risk insurance costing $2,986 or more. Teenage drivers receive the highest rates at $5,348 a year or more.
Annual premium for full coverage: $1,358
Rate estimates for 2012 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 the average driver, prices range go from as low as $540 for only liability insurance to a much higher rate of $2,986 for a driver that may need high-risk insurance.
These differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.
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Recommended Companies for Cheap 2012 Honda Civic Insurance
Want the cheapest insurance rates for your Honda Civic? Trying to find the cheapest insurance for a Honda Civic can be an all-consuming task, but you can learn our insurance buying tips to make it easier.
There are both good and bad ways to find insurance online and you need to know the proper way to price shop coverage for your Honda and get the lowest price either online or from local insurance agents.
Consumers need to compare prices periodically due to the fact that insurance rates are usually higher with each renewal. Just because you had the lowest price on Civic insurance six months ago there is a good chance you can find better rates now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to use online quotes to properly buy coverages while reducing your premium.
Save on 2012 Honda Civic insurance
The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but some must be asked about prior to receiving the credit. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
Recommended Companies for the Best Insurance Rates
- Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
- Multiple Vehicles – Having multiple vehicles on the same insurance coverage policy qualifies for this discount.
- Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
- Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
Drivers should understand that some credits don’t apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.
Car insurance companies that possibly offer these discounts may include but are not limited to:
It’s a good idea to ask each company how you can save money. Some discounts might not be offered in your state.
Tailor your coverage to you
When it comes to choosing coverage, there is no single plan that fits everyone. Every situation is different.
For instance, these questions could help you determine whether or not you could use an agent’s help.
- Should I rate my 2012 Honda Civic as pleasure use or commute?
- Does coverage extend to my business vehicle?
- Am I covered when pulling a rental trailer?
- Are rental cars covered under my policy?
- If my pet gets injured in an accident are they covered?
- What companies insure drivers after a DUI or DWI?
- Am I missing any policy discounts?
- When should I not file a claim?
- Am I covered if I wreck a rental car?
If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.
Buyer beware of car insurance advertising tricks
Consumers constantly see and hear ads for cheaper car insurance by companies like 21st Century, Allstate and State Farm. All the ads make the same claim that you can save if you switch to them.
How can each company make almost identical claims? This is how they do it.
Different companies can use profiling for the type of customer that earns them a profit. For instance, a desirable insured might be profiled as between 30 and 50, has no driving citations, and chooses high deductibles. A driver who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.
Consumers who don’t meet this ideal profile will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That is how companies can truthfully make those claims.
Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s impossible to know which company will have the lowest Honda Civic insurance rates.
Specifics of your car insurance policy
Understanding the coverages of your car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, EMT expenses, prosthetic devices, nursing services and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
This will pay to fix damage to your Civic resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as sideswiping another vehicle, crashing into a ditch, backing into a parked car, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Honda Civic.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like vandalism, damage from getting keyed, damage from flooding and hitting a bird. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability insurance will cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
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 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like loss of income, repair costs for stationary objects and funeral expenses. 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.
Be a money saver!
Throughout this article, we presented a lot of techniques to lower your 2012 Honda Civic insurance rates. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best price on car insurance is with an unexpected company.
Cheap insurance is available online and with local insurance agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, high prices, not issuing a premium refund or even unfair underwriting practices. Whatever your reason, switching companies can be less work than you think.
More information can be found below:
- Think You’re a Safe Driver? (State Farm)
- What Auto Insurance is Cheapest for a Honda Civic in Omaha? (OmahaInsure.com)
- How Much is Kansas City Auto Insurance for a Honda Civic? (KCAutoGuard.com)
- Booster Seat Ratings (iihs.org)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- What is Full Coverage? (Allstate)
- Event Data Recorders FAQ (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,652|
|Los Angeles, CA||$2,292|
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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||$100|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.