Best Car Insurance for Honda Civic EX 2022

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Best insurance for Honda Civic EX

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 32% per year insuring their Honda Civic EX when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Honda Civic EX drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
2021-01-1366044KSLawrence27Progressive$1,800$1,296
2021-09-2291764CAOntario26ClearCover$2,016$1,608
2021-05-0490806CALong Beach29National General$4,800$2,040
2021-06-2032118FLDaytona Beach28Progressive$3,240$1,464
2021-06-1344135OHCleveland29Electric$1,932$1,452
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Honda Civic EX

The average annual cost to insure a Honda Civic EX is $2,968, which is $25 higher than the average annual cost to insure Hondas. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Honda Civic EX

While the mandatory liability coverage will be the cheapest option to insure your Civic EX, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Honda Civic EX

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Honda Civic EX will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Honda Civic EX than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Honda Civic EX:
Age Groups
Average Cost
Annual Savings with Jerry
18-20$3,496$1,177
21-24$3,509$1,156
25-34$3,027$933
35-44$2,810$852
45-54$2,865$823
55-64$2,570$556
65+$2,448$930

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Honda Civic EX will be lower for an older car. These are real quotes Jerry has found for drivers of a Honda Civic EX based on model year:
Model year
Average Cost
Annual Savings with Jerry
2022$2,074$302
2021$3,341$1,040
2020$3,680$1,285
2019$3,316$828
2018$3,489$1,131
2017$3,829$1,248
2016$3,077$1,180
2015$2,699$717
2014$2,666$654
2013$4,322$1,168

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Honda Civic EX with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
Commonwealth Insurance$2,268$1,464
Aspire Advantage$2,232$1,434
Encompass$3,216$1,356
ClearCover$2,768$927
Progressive$2,726$886
Gainsco$2,638$858
Nationwide$2,323$702
Mapfre$2,000$636
Assurance America$1,344$512
AAA$1,788$99

Trim levels and vehicle materials

The Honda Civic EX comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Honda Civic EX.

How can I save money when insuring my Honda Civic EX

We’ve got you covered with all you need to know to find the best deals on your car insurance. Here are some ways to help you lower your premium without compromising your coverage.

Comparison shop

Comparison shopping is the only way to look at different insurance providers and figure out which provider will give you the best policy at the best price. But comparison shopping is time-consuming and stressful—it means looking at dozens of websites and quotes to see what each company can offer you.
The car insurance comparison app, Jerry, is your best bet when it comes to comparison shopping for car insurance. Signing up takes less than a minute and you’ll get personalized, relevant quotes from 50 top providers to browse through.
Once you pick your policy, you can purchase it in-app, and Jerry will do all of the work. That means no paperwork, phone calls, or renewals for you. Plus, Jerry will automatically shop around every six months to ensure you’re always getting the best deals on your policy.
Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want.

Opt for a lower trim level

If you’re here, you’re probably interested in the EX trim model for the Honda Civic. But, it’s worth considering whether the EX trim is the best option for you.
You might find that you’ll be just as happy with the Civic LX, which can be purchased in either a sedan or hatchback.
On the other hand, you will be looking at a less powerful (158-hp) engine, as well as slightly worse fuel economy—35 / 31 / 40 for the LX versus 36 / 33 / 42 for the EX trim.
So, you might find that the EX is worth the extra $3,000 or so, even if it means a bit more in insurance costs.

Skip the extra features

Opting out of extra features is an easy way to save money on your vehicle and car insurance costs. Things like nicer stereo systems are often optional add-ons, and if you can live without them, it can lower the overall price of the car you end up buying.

Invest in anti-theft and safety features

The 2022 Civic already comes equipped with anti-theft and safety features like anti-lock brakes; stability control; front-impact, side-impact, overhead, and knee airbags; and a security system.
Investing in as many anti-theft and safety features as you can afford is a great way to save money on your insurance, as many insurance providers give sufficient discounts for these features.

Keep a clean record

Your driving record directly impacts your insurance rates, so keeping a clean driving record is a zero-cost way to save money on your premiums. Plus, it makes you a safer driver, which benefits both you and your car.
Keep a clean driving record to keep your premiums as low as possible.

Look for discounts

Most insurance providers offer discounts for insurance policies. Discounts will vary from provider to provider, and you’ll need to check how much money they’ll actually save you, but the savings can sometimes be substantial.
On top of traditional discounts, see if your provider offers a telematics program. In a telematics program, a device provided by your insurance provider tracks your driving habits to assess your driving safety. Then, you earn a discount based on how safely you drive.
Many companies offer an immediate discount just for enrolling in the program!

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