How Much Does Honda Civic Insurance Cost?
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When investing in a car, purchasing insurance is a critical part of the process. Car insurance will protect you against any damages that might occur while you’re on the road. It will defend you from financial loss and serves as an excellent defense for drivers. If you’re looking at a Honda Civic, you might wonder about Honda Civic insurance cost.
Read on to learn more about Honda Civic insurance cost. We’ll talk about the average price, the cost per company, and the costs depending on the year you purchase. There’s a lot to cover, so let’s dive right in.
How Much Does Honda Civic Insurance Cost?
According to insuraviz.com, the average Honda Civic insurance cost annually is about $1,328 a year. The amount you pay per year varies on several factors, which we will touch on later. There are also many options for price points within the insurance companies you can pick from for your Honda Civic insurance cost.
Here are some of the costs for varying insurance companies, according to thezebra.com, for the 2020 Honda Civic:
- Allied: $956 a year
- USAA: $1,280 a year
- GEICO: $1,455 a year
- Vermont Mutual: $1,318 a year
- Nationwide: $1,273 a year
- State Farm: $1,456 a year
Allied is one of the most affordable choices to save money on your Honda Civic insurance cost.
No matter what company you invest in, you’ll face restrictions and other costs. It’s vital to research each company ahead of time.
Depending on the trim you choose, insurance costs can vary. Let’s talk about the varying costs for Honda Civic insurance based on what they can do.
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Which Trim is the Cheapest?
There are five trims you can select from with the Honda Civic. All of them come at varying prices and shifting insurance premiums.
Here is the Honda Civic insurance cost based on the trim according to insuraviz.com:
- LX: $1,238 a year
- Sport: $1,266 a year
- EX: $1,300 a year
- Si: $1,332 a year
- Touring: $1,358 a year
The more advanced the trim, the more you will need to pay for annual insurance.
These prices relate to the 2022 model of the Honda Civic. If you decide to invest in another year, the trim insurance prices will vary for insurance. Let’s look at how the prices vary depending on the Honda Civic year you invest in for your life.
A Look at Honda Civic Insurance Cost By Year
If you decide to invest in a used Honda Civic rather than the most recent model, your insurance will cost a different amount annually than the most recent model. Let’s talk about insurance costs for the Honda Civic over the years.
Here are a few of the insurance costs for the Honda Civic based on GEICO rates by year according to moneygeek.com:
- 2019: The average cost is about $1,133.
- 2018: The average cost is about $1,103.
- 2017: The average cost is about $1,076.
- 2016: The average cost is about $1,054.
Most of the time, it will cost less for insurance if you go with the older models of the Honda Civic.
Consider these costs if you’re thinking about investing in a Honda Civic. The Honda Civic insurance cost varies by year, so if you want to pay less, you may want to go with an older version of the vehicle.
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Cost of Honda Civic Lease Insurance
If you decide to lease a Honda Civic instead of buying, you’re required to pay for insurance for the duration of your ownership. They have a specific process they follow that permits full coverage in the case of an accident to keep their vehicles in the best possible condition.
Here’s how Honda lease insurance works according to lhmhonda.com:
- You must have insurance that covers up to $100,000 for bodily harm, $300,000 for injuries after one accident, and $50,000 for property damage OR
- Combined single limit for up to $300,000 AND
- Physical damage insurance covering no more than $1000 in loss
You can use gap coverage to fill in anything else you need.
Insurance is necessary when leasing a car. It will save you lots of trouble if you happen to get into an accident with your vehicle, and you could potentially pay much less to fix the damage.
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What Factors Can Affect Insurance?
As with any car insurance, several factors can impact the cost. It’s critical to consider these before deciding where to purchase insurance. Factors you can’t control could influence your payments and make them more expensive.
According to wallethub.com, here are a few of the factors that can affect how much your insurance costs:
- Age: The younger you are, the more you’ll have to pay for your insurance. You’re more of a liability on the road with less experience.
- Driving history: Those with many accidents in the past will have to pay more than those who have a safer driving history.
- Location: If you live in California, your insurance premiums will be higher than a resident in Louisiana.
- Model: Certain models have safety liabilities that make them more expensive to cover.
If you have a car from 2015 and live in Texas, you’ll pay a different amount than someone who has a 2022 model and is from California.
Many factors can impact a Honda Civic insurance cost. Whether you’re purchasing a new car and buying insurance or working on coverage for your lease, there are many things to research before committing.
Conclusion
Many things can shift how much Honda Civic insurance costs. On average, you will pay about $1,328 a year. However, this can change depending on your age, the model of the vehicle, and the state you occupy.
We hope this was useful! It can be frustrating to understand insurance, but the correct information can go a long way. Insurance is necessary if you spend a lot of time on the road.
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