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Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
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Reviewed by:
Laura Longero
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Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Question: How is the Honda Civic coupe classified in comparison to the Civic sedan?  Will a coupe have a higher car insurance rate than a sedan?

Answer:  More often than not, car insurance providers will find one or more of the risk factors associated with a coupe to push the cost of its coverage higher than that of the same model sedan, and this is what we found with the Honda Civic.

For insurance companies to come up with the vehicle classifications and ratings for each make and model vehicle, they take into account several rating factors, including, but not limited to: 

  • Initial purchase price of the vehicle
  • Cost of repairs
  • How often the model/type of vehicle is involved in an accident
  • Safety ratings
  • Top speed/horsepower
  • Rate of theft

Using these factors, two-door coupes are typically more expensive to insure than a four-door sedan, but this isn’t true all of the time since insurance companies rating systems and vehicle rating classifications do differ. 

For an example of the difference in costs, we ran a quick quote for a 30-year-old single male living in Edmond, Okla.,for a 2012 Honda Civic sedan and a coupe.  We chose bodily injury liability limits of $50,000 per person, $100,000 per accident, and $50,000 for property damage liability (50/100/50 coverage) and carrying collision and comprehensive insurance coverages with $500 deductibles each.

The sedan came back with a rate of $1,626 a year and the coupe $1,838, so the coupe in this rate comparison was more expensive by $212 per year. 

The differences were seen in higher rates on your bodily injury liability, collision, and comprehensive coverages.  Comprehensive (coverage that protects against theft) went up the most; this coverage was $144 more a year for the coupe than the sedan.

If you are shopping for a new car and a Honda is at the top of your list, you’re in luck.  We’ve already done some of the heavy liftings for you.  We have complied auto insurance rate comparisons for several 2012 Honda models here.

We also have gathered information specifically on the 2012 Honda Civic, which includes car insurance comparison rates for it and its competitors.  

Your car insurance rates will differ above or on the Honda pages because your premium will be based on your location, driving record, annual mileage, and other important rating factors.

I’d encourage you to get free car insurance rates quotes before purchasing your new vehicle, whether it’s a Honda coupe, sedan, or totally different car.  This way, when you head to the dealership to purchase your car there are no surprises on how much your car insurance premium will be.

— Penny Gusner contributed to this story.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.