Cheapest 2012 Honda Civic Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Want the cheapest insurance rates for your 2012 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.

  • 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:

  • MetLife
  • Progressive
  • Travelers
  • AAA

It’s a good idea to ask each company how you can save money. Some discounts might not be offered in your state.

Picking Coverage Based on Your Needs

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?
  • Does how much my 2012 Honda Civic costs affect my rates?

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.

Medical Payments and Personal Injury Protection

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 Motorist 

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.

2012 Honda Civic Insurance: The Bottom Line

Throughout this article, we presented various 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:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find the cheapest insurance rates for my 2012 Honda Civic?

To find the cheapest insurance rates for your 2012 Honda Civic, you can follow these tips:

  • Compare quotes from multiple companies: Enter your ZIP code to use the free quote tool and compare rates from different insurance providers.
  • Take advantage of available discounts: Ask each company about the discounts they offer, as they can help reduce your premium.
  • Periodically compare prices: Insurance rates can change over time, so it’s a good idea to compare prices periodically and see if you can find better rates.

What discounts are available for auto insurance?

Auto insurance providers offer various discounts that can help lower your insurance costs. Some common discounts include:

  • Safe driver discounts: For having a good driving record without any accidents or violations.
  • Multi-policy discounts: For bundling your auto insurance with other policies like home or renters insurance.
  • Good student discounts: For students who maintain good grades.
  • Vehicle safety feature discounts: For having safety features like anti-lock brakes or airbags in your car.
  • Low mileage discounts: For driving fewer miles than the average driver.
  • Ask each company about the specific discounts they offer, as they may vary.

Should I use an agent to help me choose coverage for my Honda Civic?

The need for an agent depends on your specific situation and preferences. If you have questions or are unsure about the coverage options that best suit your needs, speaking to an agent can be helpful. They can provide guidance and help you make informed decisions. If you want to speak to an agent in your area, you can complete a form to get in touch with one.

How do car insurance companies advertise lower rates?

Car insurance companies may advertise lower rates by using customer profiling and targeting specific demographics that are likely to result in profitable business for them. They may focus on drivers who meet certain criteria, such as a specific age range, clean driving record, or high deductibles. By attracting these customers, they can offer lower rates. However, it’s important to get multiple quotes from different companies to ensure you’re getting the best rate for your Honda Civic.

What are the different coverages in a car insurance policy?

Car insurance policies consist of various coverages that protect you and your vehicle. Some common coverages include:

  • Liability coverage: Covers damage or injury you cause to others in an accident.
  • Collision coverage: Pays for damage to your vehicle resulting from a collision with another vehicle or object.
  • Comprehensive coverage: Covers damage to your vehicle from events other than collisions, such as theft, vandalism, or natural disasters.
  • Medical payments and personal injury protection: Provide coverage for immediate medical expenses for you and your passengers.
  • Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.

It’s important to review your policy and understand the specific coverages you have to ensure you have adequate protection.

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