Geo Insurance Cost

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
Since Honda’s U.S. debut in 1959, its name has become synonymous with practicality, reliability, and versatility. From hatchbacks and sedans to SUVs, trucks, and vans, there’s a Honda model for every driver out there. 
Geo drivers pay an average of {X} per year for
auto insurance
—but every Geo car insurance policy is unique. Jerry, the trusted auto insurance broker that {X} Geo drivers use to find cheap car insurance, has all the facts on Geo insurance.

How much does Geo car insurance cost?

We spent {X} hours analyzing {X} Geo insurance quotes from our customers in the last year. According to our expert analysis, the average Geo insurance cost is {X} per month. 
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
September 27, 2023
GEO PrizmState Auto
• 50,000/100,000 Liability
• Comp / Collision
September 25, 2023
GEO MetroNational General
• 50,000/100,000 Liability
September 22, 2023
GEO PrizmBristol West
• State Minimum Liability
• Comp / Collision
September 20, 2023
GEO Storm 2+2Progressive
• State Minimum Liability
• Comp / Collision
September 15, 2023
GEO PrizmTravelers
• 100,000/300,000 Liability
coverageLast Updated Sep 27, 2023
Compared to the national average for other car manufacturers, Geo vehicles are {more/less} expensive to insure.
Many factors play a role in determining your Honda insurance cost, such as the car year, car model, and driving history—meaning there’s no such thing as an ‘average’
auto insurance quote
. Jerry helps you to easily compare personalized quotes, saving you time and money. Jerry has helped {X} Geo drivers save an average of {X} on their car insurance. That’s a lot of savings!
rating reverse-full
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Lower my car insurance too!

Best car insurance companies for Geo drivers

shopping for car insurance
, it’s important to find the right fit for you and your vehicle.
There is no single best insurance company for drivers since the best company for you will depend on your driving record, location, insurance history, and age along with the vehicle you drive. Jerry’s conducted the largest survey in the nation to help people compare car insurance companies.
Check out how Geo drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Liberty Mutual

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive is a great insurance company. Very pleased so far
Always friendly and ready to help
Very quick and easy process and saved me over $150. Thanks Jerry!
"I am flabbergasted by the fine work that Gainsco has offered me! I am satisfied with the coverage & I highly recommend Gainsco"

 Geo insurance costs

The Honda Civic is one of the best selling-vehicles in the country thanks to its low MSRP, unparalleled reliability, and fantastic safety ratings. On average, Geo insurance costs {X1} per year for full coverage and {X2} per year for state minimum coverage.
The trim level also factors into the cost of your Honda insurance. Trim levels are different versions of a car model that include different features. For example, there are four trim levels for the 2023 Honda Civic sedan: the LX, Sport, EX, and Touring. 
  • LX: Starting at $23,750, the 2023 Honda Civic LX features standard driver assistance aids, a 158-hp engine, and a four-speaker audio system. 
  • Sport: Starting at $25,350, the 2023 Honda Civic Sport adds 18-inch gloss alloy wheels, improved fuel economy, paddle shifters, and a leather-wrapped steering wheel. 
  • EX: Starting at $26,200, the 2023 Honda Civic EX upgrades to a 180-hp turbocharged engine with a power moonroof, heated front seats, and peak fuel economy. 
  • Touring: Starting at $30,350 the 2023 Honda Civic Touring maxes out with a multi-angle blindspot rear view camera, wireless Apple CarPlay and Android Auto, and a Bose premium sound system. 
Repair and replacement costs for premium trim levels like the EX and Touring tend to be higher, making them a higher risk to insurance companies. Check out the table below to see the average cost of auto insurance for some popular Geo trims.
In the table below, you’ll find real quotes for real people from Jerry.
Cheap quotes Jerry found for Geo drivers
CarInsurance CompanyPremium (monthly)CustomerInsurance coverage
GEO PrizmProgressive
• 100,000/300,000 Liability
GEO PrizmProgressive
• No Coverage Liability
GEO TrackerAAA
• State Minimum Liability
GEO MetroSafeco
• State Minimum Liability
GEO PrizmMercury
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Sep 26, 2023
The Honda Accord got some of the best safety ratings and fuel-efficiency ratings across its many configurations and trims. Fancier versions of the Honda Accord will have higher MSRPs that can drive up costs, but they also often have advanced security systems and safety features that lower their risk rating. 
According to our data, the average Geo insurance policy costs {X}. But remember,  quotes can vary greatly depending on factors such as your driving history, car year, trim level, and more. The cost of your insurance also depends on what type of coverage you’re looking for. 
Some Geo trim levels will be more expensive to insure than others, from the base LX to the Touring Hybrid. The trim levels available for the 2023 model year are: 
  • LX: Starting at $27,295, the 2023 Honda Accord LX comes with standard driver assistance tech, basic Apple CarPlay compatibility, and a 192-hp turbocharged engine. 
  • EX: Starting at $29,060, the 2023 Honda Accord EX features luxury touches like heated front seats and a power moonroof. 
  • Sport Hybrid: Starting at $31,345, the 2023 Honda Accord Sport Hybrid upgrades to a 204-hp hybrid powertrain, wireless smartphone compatibility, and a leather-wrapped steering wheel.   
  • EX-L Hybrid: Starting at $32,990, the 2023 Honda Accord EX-L Hybrid gets the best fuel economy of any Accord model, along with leather-trimmed heated front seats and front and rear parking sensors. 
  • Sport-L Hybrid: Starting at $33,325, the 2023 Honda Accord Sport-L Hybrid adds 19-inch wheels to the EX-L model—but loses the parking sensors. 
  • Touring Hybrid: Starting at $37,340, the 2023 Honda Accord Touring Hybrid offers heated and ventilated front seats, a built-in voice control system, rain-sensing windshield wipers, and a 12-speaker premium audio system. 
<table 4>
<table 5>

Are Geo more expensive to insure?

Compared with average, Hondas cost {more/less/about the same amount} to insure.
Average insurance cost of popular car makes
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost

Cheapest Geo to insure

The cheapest Geo model to insure is the {year}{Honda}{model name}, with an average monthly premium of {X2} for state minimum coverage and an average of {X1} for full coverage.
The cheapest Geo models to insure

Most expensive Geo to insure

The most expensive Geo model to insure is {year}{Honda}{model}, with an average monthly premium of {Y2} for state minimum coverage and an average of {Y1} for full coverage.
Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone. 

What factors affect Geo car insurance rates?

Many different factors play a role in
how car insurance is calculated
, such as:
  • Vehicle cost: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Vehicle age: Often, newer models also cost more to insure due to new tech and higher value.
  • Cost of parts: High-value or less common models will have higher replacement and repair costs, making them a greater risk to insurance companies. 
  • Your age: Drivers younger than 25 will pay higher insurance rates due to limited driving experience. On the flip side, senior drivers above the age of 70 may also face increased insurance rates. 
  • Your driving record and claims history: Insurance companies will reward those with a clean driving record with lower insurance rates, but individuals with a history of car accidents, tickets, and driving violations will typically pay higher rates. 
  • Where you keep your car: Insurance costs differ based on where you keep your car since road conditions, population density, theft rates, and other risk factors vary from state to state and city to city. 
Here are a few specific factors that impact auto insurance rates for Honda:
  • Imports: Honda vehicles are imported, which means replacement costs tend to be higher compared to domestic models.
  • Safety: Honda is renowned for excellent safety ratings, especially so for small vehicles.
  • Reliability: Hondas are extremely reliable and safe cars, which means there is a lower rate of claims for these vehicles. 

Geo insurance cost for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group. For teens who own their own car, full coverage is essential since teens have a higher accident rate than older, more experienced drivers. 
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Geo insurance cost for senior drivers

Car insurance rates start to rise once you get into your mid-70s.
Car insurance rates for seniors
tend to be higher because older drivers are more susceptible to being involved in accidents. They’re also more prone to severe injuries in the event of a collision, leading to significant medical expenses and increased costs for insurance providers.
Cheap insurance quotes for senior Geo drivers

Luis (20 years old)
State Minimum
per month
Irene (22 years old)
State Minimum
per month
Virgie (24 years old)
State Minimum
per month
Rose (24 years old)
State Minimum
per month

Geo insurance cost for drivers with driving violations

Honda car insurance costs also depend on your driving record. Honda drivers with no violations or at-fault accidents pay the lowest rates, but you’ll see a surcharge on your coverage if you have any of the following on your record in the last three to five years: 
  • Speeding tickets
  • DUIs
  • At fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Geo drivers with speeding ticket

A single ticket for going less than five miles over the speed limit isn’t likely to make a substantial change in your Honda insurance premiums—but repeated tickets, or a single ticket for serious speeding, could cause your rates to shoot up. Jerry is proud to help Geo drivers with varying types of speeding tickets on their record save on car insurance.
Cheapest insurance quotes for Geo drivers with a speeding ticket
<table x>
Cheapest car insurance for Geo drivers with a DUI record
If you have a
DUI conviction
on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Geo drivers obtain affordable auto insurance rates after a DUI.
Cheapest insurance quotes for Geo drivers with a DUI

 Cheapest car insurance for Geo drivers after an accident

One of the most important factors affecting Honda car insurance rates is your car accident or claim history. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped {Honda} drivers save on car insurance after accidents.
Cheapest insurance quotes for Geo drivers with accident record
<table x>

Cheapest car insurance for Geo drivers with other driving violations on their record

In addition to speeding tickets and DUIs, other violations such as reckless driving and
driving on a suspended license
can also cause your car insurance costs to increase. We’ve compiled a list of various driving violations and how we helped {Honda} drivers with these violations save on their car insurance.

How can I lower the cost of my Geo car insurance?

There are a variety of ways to lower the cost of insuring a {Honda} vehicle.  
  • Shop around:
    Shopping around for insurance coverage
    by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 50 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Opt for a small SUV or minivan: If you’re buying a new Honda, make sure to research insurance rates for different models beforehand. Buying a small used SUV rather than a brand-new sports car can save you money on insurance. 
  • Bundle your insurance policies:
    Bundling your home and auto insurance
    with the same company can amount to a lower overall bill. 
  • Participate in a telematics program: Those who drive certain {Honda} models may be eligible to participate in {Honda’s} {HondaLink Driver Feedback App}—a telematics program that rates driving habits. If you’re a safe driver, you could qualify for
    car insurance discounts
Reduce your coverage: If you have any older cars, you can
reduce coverage
on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.


In general, no. Honda car insurance rates are below average in most cases thanks to strong safety ratings, affordable models, and a low rate of insurance claims from Honda drivers.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.