2015 Honda Civic Insurance Rates
Average insurance rates for a 2015 Honda Civic are $1,432 a year with full coverage. Comprehensive costs an estimated $236, collision insurance costs $580, and liability costs $446. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs around $3,146. Teen drivers receive the highest rates at up to $5,534 a year.
Annual premium for full coverage: $1,432
Rate estimates for 2015 Honda Civic Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 range from as low as $510 for just liability coverage to a much higher rate of $3,146 for a high risk driver.
These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.
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Recommended Companies for Cheap 2015 Honda Civic Insurance
Looking for cheaper insurance coverage rates for your Honda Civic? Using the web to shop for insurance coverage can be difficult if you are a beginner to online quotes. But don’t be discouraged because we’re going to show you how.
Smart consumers take time to price shop coverage quite often because insurance rates are adjusted regularly by insurance companies. Just because you had the best rates on Civic coverage a year ago other companies may now be cheaper. Starting now, forget anything you know (or think you know) about insurance coverage because we’re going to show you how to use online quotes to properly buy coverages and cut your premium.
Buying car insurance is not rocket science. Essentially every driver who is required by state law to have insurance will be able to lower their premiums. Although vehicle owners can benefit by having an understanding of the way companies market insurance on the web and use this information to your advantage.
Lots of discounts mean lots of savings
Car insurance companies do not advertise every available discount in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find savings tricks you should be using.
Recommended Companies for the Best Insurance Rates
- Payment Discounts – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- Multiple Vehicles – Buying coverage for multiple vehicles with the same company qualifies for this discount.
- Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn at least 10% off all policies.
- Organization Discounts – Participating in a civic or occupational organization could trigger savings when buying car insurance on Civic coverage.
- Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Civic coverage with select insurance companies.
It’s important to understand that most of the big mark downs will not be given the whole policy. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.
To see a list of providers offering car insurance discounts, click here to view.
Situations that might require an agent
When it comes to choosing the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Each situation is unique.
These are some specific questions may help you determine whether or not you could use an agent’s help.
- I have a DUI can I still get coverage?
- Do I pay less if my vehicle is kept in my garage?
- What happens if I owe more than my 2015 Honda Civic is worth?
- Does insurance cover damages from a DUI accident?
- Am I covered when driving in Canada or Mexico?
- Am I covered when using my vehicle for business?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Don’t listen to company ads
Allstate and Progressive constantly bombard you with ads in print and on television. All the companies make an identical promise that you can save if you switch to their company. How can each company say the same thing?
Different companies are able to cherry pick for the type of customer that is profitable for them. A good example of a profitable customer could possibly be a mature driver, is a homeowner, and has great credit. Any driver who matches those parameters will get the preferred rates and as a result will probably save when switching.
Potential insureds who don’t qualify for this ideal profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “people who quote” save money. That’s why companies can advertise the way they do. Because of the profiling, drivers should quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.
Car insurance coverage information
Understanding the coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
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 claims include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like colliding with another moving vehicle, backing into a parked car, driving through your garage door, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance pay for bills for surgery, chiropractic care, EMT expenses and hospital visits. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like theft, damage from a tornado or hurricane, hail damage, rock chips in glass and hitting a bird. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability can pay for claims like attorney fees, emergency aid and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.
A tidy conclusion
Cheaper 2015 Honda Civic insurance can be bought both online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
We just presented a lot of techniques to get a better price on insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best prices are with some of the smallest insurance companies.
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where someone dropped physical damage coverage only to regret that they should have had better coverage. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
- Collision Coverage (Liberty Mutual)
- Auto Theft Statistics (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
- Auto Insurance FAQ (Farmers Insurance)
- Get the Right Protection (InsureUonline.org)
Find the Cheapest Quotes in Your Area
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Rates by U.S. City
|New York City, NY||$2,796|
|Los Angeles, CA||$2,415|
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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||$109|
|5-yr Claim Free||$94|
|Paid in Full/EFT||$67|
Discounts are estimated and may not be available from every company or in every state.