2021 Honda Civic Car Insurance Cost in 2024

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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: May 8, 2024

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Pricey Honda Civic insurance can draw down your family’s budget and require stricter spending habits. You have multiple auto insurance companies to pick from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to find a good deal.

The purpose of this article is to familiarize you with the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Consumers just need to know the proper methods to compare price quotes over the internet.

Discounts for cheap car insurance rates

Car insurance companies do not advertise all possible discounts in an easy-to-find place, so the following list contains a few of the more well known and the harder-to-find discounts you could be receiving when you buy insurance online.

  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Telematics Data Discounts – Insureds that choose to allow their company to study driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
  • Good Grades Discount – Maintaining excellent grades could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Clubs and Organizations – Participating in qualifying clubs or civic groups could qualify you for a break on your policy.
  • Defensive Driver Discounts – Taking a defensive driving course could save 5% or more and also improve your driving technique.
  • Cautious Drivers – Safe drivers may save up to 50% more on Civic coverage compared to accident prone drivers.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Honda may allow you to get lower premium rates due to less chance of an accident.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it’s just not the way it works. But all discounts will positively reduce your premiums.

A list of companies and a summarized list of policyholder discounts can be found below.

  • AAA may offer discounts for good student, anti-theft, pay-in-full, AAA membership discount, multi-policy, education and occupation, and good driver.
  • Progressive offers premium reductions for homeowner, good student, online signing, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
  • State Farm has savings for good driver, defensive driving training, Steer Clear safe driver discount, accident-free, driver’s education, and multiple autos.
  • Esurance offers discounts for online shopper, anti-theft, Switch & Save, multi-car, paid-in-full, homeowner, and claim free.
  • Nationwide may include discounts for good student, accident-free, multi-policy, Farm Bureau membership, and anti-theft.

Before buying, ask each insurance company which discounts you may be entitled to. Some discounts may not be available in every state.

How do insurance providers determine Honda Civic insurance prices?

An important part of buying insurance is that you know some of the elements that come into play when calculating your premiums. If you understand what impacts premium levels, this helps enable you to make changes that will entitle you to better car insurance rates.

  • Women tend to be lower risk – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause fender benders in similar numbers, but the male of the species get into accidents with more damage. They also get cited for more serious violations such as DWI and reckless driving. Males from age 16 to 21 cause the most accidents and therefore have the most expensive car insurance rates.
  • Traffic violations can increase costs – A bad driving record can have a huge impact on auto insurance premiums. Attentive drivers have lower premiums than their less careful counterparts. Getting just one speeding ticket or other violation may increase your cost forty percent or more. People who have dangerous violations like DUI, reckless driving or excessive speeding are required to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
  • Deter theft and pay less – Selecting a car model with an alarm system can save you a little every year. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
  • Always keep your coverage in force – Having a lapse in insurance coverage is a sure-fire way to pay more for car insurance. And not only will insurance be more expensive, failure to provide proof of insurance could earn you a steep fine or even jail time.
  • Small claims can cost you – If you file claims often, you shouldn’t be surprised to get either higher rates or even cancellation. Car insurance companies generally give better rates to people who file claims infrequently. Auto insurance is intended to be relied upon for more catestrophic claims.
  • Insurance is expensive for youthful drivers – More mature drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable. Beginning drivers are proven to be careless and easily distracted when driving with friends therefore car insurance rates are much higher.
  • Car insurance liability protection limits – The liability section of your policy is the protection when you are found liable for damages caused by your negligence. Your liability coverage provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • How do I file an SR-22 for a DUI in my state?
  • What if I owe more than I can insure my car for?
  • Can I afford to buy a different vehicle if my 2021 Honda Civic is totaled?
  • Am I covered when delivering products for my home-based business?
  • How high should my medical payments coverage be?
  • Is my 2021 Honda Civic covered for smoke damage?
  • Am I covered when using my vehicle for business?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete your zip code. It is quick, free and can help protect your family.

Auto insurance coverage information

Knowing the specifics 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. Shown next are the normal coverages available from auto insurance companies.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, hail damage and rock chips in glass. The maximum payout 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.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses for rehabilitation expenses, prosthetic devices, nursing services, hospital visits and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2021 Honda Civic.

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 should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Liability – Liability coverage can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as funeral expenses, medical expenses, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Collision coverages – This coverage will pay to fix damage to your Civic resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, rolling your car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

A tidy conclusion

Lower-priced 2021 Honda Civic insurance is possible online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer internet price quotes and these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, never buy less coverage just to save a little money. There are too many instances where someone sacrificed collision coverage and learned later they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.

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