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Insuring your Honda Civic

In 1973, the Honda Civic was 139 inches long -- smaller than the modern Mini Cooper -- and weighed about 1,500 pounds. It was powered by a tiny four-cylinder engine that developed 50 horsepower. In the way of luxuries, it offered an AM radio.

The National Highway Traffic Safety Administration (NHTSA) didn’t crash-test a Civic until 1979, when it earned one star on the agency’s five-star scale.

Four decades later, the Civic has entered its ninth generation. It is 3 feet longer and twice as heavy as those first models; can be powered by gasoline, natural gas or electricity; and has airbags, stability control and antilock brakes. It is among the Insurance Institute for Highway Safety’s Top Safety Picks and a perennial best-seller in the U.S. marketplace.

The only thing the 1973 Civic and today’s model have in common is four wheels. One was a college-student special; the other is a sophisticated family car. Direct comparison is impossible.

2012 Honda Civic crash-test video

Compare insurance rates on Honda vehicles

Below we’ve gathered some comparison rates for the new Civic and its competitors, for new Civic models, and for recent model years.  Even if you drive the same kind of car we used in the sample rates, you may drive more miles, have better credit, or live in a less risky area.  Those factors can change rates dramatically, as can the insurance company involved.

We typically see quotes for the same driver differing by hundreds or even thousands of dollars from company to company. (See “Pocket $1,102 just by shopping around.”)

The only way to know for sure is to get a quote -- or get several at once, as you can with online quote-comparison engines. (Learn how to compare rates.)

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Compare insurance premiums for the 2012 Civic and its competitors

Premiums below are a nationwide average of rates from six major car insurance providers for a 40-year-old single man, no accidents or violations, commuting 12 miles each way to work, $500 deductible for collision and comprehensive coverages, 100/300/100 liability coverages ($100,000 in bodily injury liability coverage per person, $300,000 total per accident, and $100,000 in property damage liability coverage). We looked at base models only.

Make Model Cylinders Expected premium
Volkswagen Jetta Sedan
4 $1,256
Honda Civic DX
4 $1,281
Ford  Focus S Sedan  4 $1,305
Chevrolet Cruze LT1 Sedan 4 $1,309
Hyundai  Elantra Sedan  4 $1,356
Subaru  Impreza 2.5 Sedan 4 $1,373
Nissan Sentra S Sedan 4 $1,385
Mitsubishi Lancer DE Sedan 4 $1,406
Major safety equipment on 2012 Honda Civics
  • Anti-lock brakes
  • Electronic brake assistance
  • Traction control
  • Electronic stability control
  • Driver airbag
  • Passenger airbag
  • Front side airbags
  • Side head curtain airbags
Compare insurance premiums for 2012 Honda Civic models

Premiums below are a nationwide average of rates from six major car insurance providers for a 40-year-old single man, no accidents or violations, commuting 12 miles each way to work, $500 deductible for collision and comprehensive coverages, 100/300/100 liability coverages ($100,000 in bodily injury liability coverage per person, $300,000 total per accident, and $100,000 in property damage liability coverage).

Model Style Cylinders Expected premium 
Civic DX  4 Door Sedan  4 $1,281
Civic LX  4 Door Sedan  4 $1,322
Civic EX  4 Door Sedan  4 $1,363
Civic HF  4 Door Sedan  4 $1,364
Civic  4 Door Sedan  4 $1,372
Civic  4 Door Sedan Hybrid  4 $1,372
Civic LX  2 Door Coupe  4 $1,444
Civic EX  2 Door Coupe  4 $1,482
Civic SI  2 Door Coupe  4 $1,509
Compare insurance premiums for late-model Honda Civics

These sample premiums will be higher because we’re looking at a different driver. What you see is the nationwide average of rates quoted through the CarInsurance.com database for a 25-year-old woman, with one speeding ticket and no accidents, good credit, a 12-mile commute  and a $250 deductible on comprehensive and collision coverage.

Year, model and trim level Average premium
2006 DX VP  Sedan 4-door $1,812
2006 DX VP $1,963
2006 Hybrid  $2,071
2006 DX $2,083
2006 EX 4-door  Sedan $2,124
2006 LX 4-door  Sedan $2,151
2006 GX  $2,182
2006 DX  Coupe $2,265
2006 LX Coupe $2,304
2006 DX 4-door  Sedan $2,332
2006 LX Sedan 4-door $2,348
2006 EX Coupe $2,379
2006 EX Sedan 4-door $2,402
2006 DX Sedan 4-door $2,517
2006 SI $2,668
2006 LX $2,981
2007 Average premium
2007 Hybrid  $2,140
2007 DX Coupe $2,172
2007 EX 4-door  Sedan $2,213
2007 LX 4-door  Sedan $2,224
2007 DX 4-door  Sedan $2,268
2007 S I 4-door  Sedan $2,369
2007 GX  $2,424
2007 EX Coupe $2,438
2007 LX Coupe $2,457
2007 SI Sedan 4-door $2,593
2007 SI Sedan 4D $2,626
2007 SI Coupe $2,749
2008 Average premium
2008 Hybrid $2,259
2008 LX4-door  Sedan $2,286
2008 GX  $2,348
2008 EX-L4-door  Sedan $2,359
2008 EX 4-door  Sedan $2,406
2008 EX-L Coupe $2,454
2008 DX Coupe $2,541
2008 SI 4-door  Sedan $2,543
2008 DX 4-door  Sedan $2,567
2008 LX Coupe $2,570
2008 EX Coupe $2,618
2008 SI Sedan 4D $2,686
2008 SI Coupe $2,888
2009 Average premium
2009 EX-L  Sedan 4D $2,148
2009 Hybrid  $2,178
2009 EX-L 4-door  Sedan $2,180
2009 DX Coupe $2,304
2009 DX VP  $2,401
2009 LX  Sedan 4D $2,402
2009 DX 4-door  Sedan $2,432
2009 LX 4-door  Sedan $2,458
2009 DX Sedan 4D $2,517
2009 EX  Sedan 4D $2,519
2009 EX4-door  Sedan $2,521
2009 LX-S $2,570
2009 EX-L  Coupe $2,595
2009 LX  Coupe $2,643
2009 EX Coupe $2,667
2009 SI 4-door  Sedan $2,817
2009 SI  Sedan 4D $2,834
2009 SI  Coupe $3,203
2009 GX GX $3,293
2010 Average premium
2010 DX 4-door  Sedan/Other transmission $1,904
2010 EX-L 4-door  Sedan $2,354
2010 EX 4-door  Sedan $2,367
2010 LX 4-door  Sedan $2,499
2010 SI 4-door  Sedan $2,526
2010 LX-S  $2,639
2010 DX4-door  Sedan $2,644
2010 GX  $2,738
2010 Hybrid  $2,785
2010 EX  Coupe $2,816
2010 DX 4-door  Sedan/5-speed manual $2,825
2010 DX VP $2,844
2010 SI  Coupe $2,872
2010 DX  Coupe $2,924
2010 LX  Coupe $2,932
2010 EX-L  Coupe $3,111

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