2014 Honda Civic Insurance Rates
Average insurance rates for a 2014 Honda Civic are $1,414 a year with full coverage. Comprehensive costs an estimated $228, collision insurance costs $556, and liability costs around $460. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs around $3,106. Teen drivers receive the highest rates at up to $5,496 a year.
Annual premium for full coverage: $1,414
Rate estimates for 2014 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2014 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 40-year-old driver, prices range range from as low as $522 for just liability coverage to the much higher price of $3,106 for high-risk insurance.
These differences demonstrate why everyone should compare prices for a targeted area and risk profile, instead of using price averages.
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Recommended Companies for Cheap 2014 Honda Civic Insurance
Searching for cheaper insurance coverage rates for your Honda Civic? Consumers who are new to comparison shopping online will find buying affordable insurance coverage is more work than they anticipated.
The easiest way to compare insurance rates in your area is to take advantage of the fact all the major auto insurance companies have advanced systems to quote your coverage. The one thing you need to do is provide a little information like your credit rating estimate, if your license is active, coverage limits, and what your job is. That information is sent automatically to many different companies and you will receive price estimates instantly to find the best rate.
To start a quote now, click here and see if a lower rate is available.
Recommended Companies for the Best Insurance Rates
Your Honda Civic insurance rate is a complex equation
Consumers need to have an understanding of the factors that help determine your auto insurance rates. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower auto insurance prices.
The following are some of the items used by your company to calculate prices.
- Are you male or female? – Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Men and women cause accidents at a similar rate, but men have costlier accidents. Men also have more aggressive citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
- Being married can save on auto insurance – Having a spouse actually saves money when buying auto insurance. It is viewed as being more responsible and it’s proven that drivers who are married are more cautious.
- Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Honda is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
- A lapse in coverage is a bad thing – Driving with no insurance is against the law and auto insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, failure to provide proof of insurance might get you a license revocation or jail time.
- Small claims can cost you – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Insurance companies give discounts to policyholders who do not rely on their insurance for small claims. Your insurance policy is intended for larger claims.
- Clean credit earns discounts – A driver’s credit score is a large factor in your rate calculation. People with high credit scores tend to be more responsible than drivers who have lower ratings. Therefore, if your credit score is low, you could pay less to insure your 2014 Honda Civic by improving your rating.
These discounts can lower your rates
Companies don’t always list all their discounts in an easy-to-find place, so we researched both well-publicized and the more hidden ways to save on auto insurance.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Club Memberships – Affiliation with certain professional organizations could trigger savings when buying auto insurance on Civic coverage.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
- Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
- Distant Student – Children living away from home attending college and do not have a car may be able to be covered for less.
A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.
For a list of companies offering auto insurance discounts, click here.
Different people need different coverages
When it comes to buying the best insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.
These are some specific questions can help discover whether you will benefit from professional help.
- Are there companies who specialize in insuring high-risk drivers?
- Does my liability insurance cover pulling a trailer or camper?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What if I owe more than I can insure my car for?
- Do I need motorclub coverage?
- Are my friends covered when driving my car?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Educate yourself about insurance coverages
Knowing the specifics of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Medical expense coverage
Med pay and PIP coverage pay for immediate expenses for things like nursing services, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Uninsured or underinsured coverage
This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.
This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability coverage protects against things such as funeral expenses, legal defense fees, attorney fees, medical expenses and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.
Coverage for collisions
This coverage covers damage to your Civic caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Buy Smart and Save
We just showed you many tips how you can save on 2014 Honda Civic insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the biggest savings come from an unexpected company.
Discount insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that it was a big mistake. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Older Drivers FAQ (iihs.org)
- Choosing a Car for Your Teen (State Farm)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Red Light Cameras (State Farm)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,763|
|Los Angeles, CA||$2,385|
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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||$107|
|5-yr Claim Free||$93|
|Paid in Full/EFT||$65|
Discounts are estimated and may not be available from every company or in every state.