2005 Honda Civic - car insurance quotes

How much does it cost to insure a  Honda Civic IMA Sedan Hybrid 1.396 cc in 2023?

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The average insurance rate is at $754 per year for  adults, $1,251 for  teens and $625 for  senior drivers.

How much does 2005 Honda Civic car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Honda Civic (IMA Sedan Hybrid) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Honda Civic is above $52 a month ($628 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Honda you drive (https://automobiles.honda.com/)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Honda model with 83 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Honda Civic if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.

On average, car insurance cost for a 2005 Honda Civic is $52 a month, which is around $628 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2005 Honda Civic is a 19 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of Civic (2005) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern Civic cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.

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Honda Civic, IMA Sedan Hybrid has engine power of 1396 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.

Insurance Company	New Vehicles *	Used Vehicles *
Allied	$463	$447
GEICO	$341	$313
Nationwide	$497	$391
Progressive	$207	$168
State Farm	$279	$207
Texas Farm Bureau	$463	$374
USAA	$369	$313
* Rough estimate for a new vs 19 years old used Honda Civic, IMA Sedan Hybrid. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2005 Honda Civic car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Honda, Civic is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Honda (made in 2005) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Honda Civic auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!

How much is car insurance for a 2005 Honda Civic in 2023? As you can see below, the lowest rates are around $558.4, while the highest ones fluctuate around $1172.64 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.

Insurance Company	Annual Rates (Estimate*)
GEICO	$595
American Family	$581
Erie	$580
Progressive	$683
State Farm	$753
Auto Owners	$669
State Auto	$793
Nationwide	$771
Farmers	$673
Allstate	$954
Safe Auto	$1,010
MetLife	$1,078
Victoria	$1,144
Allied	$807
Liberty Mutual	$962
Encompass	$1,198
* Just a rough estimate for 2005 Honda Civic, IMA Sedan Hybrid

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Civic, make Honda) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Honda, Civic will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?

• Don't ignore small regional insurers.
• Review your existing coverage and choose a higher deductible.
• Shopping around is the key to saving money on car insurance.
• Negotiate with an agent or directly with auto insurance company.
• Check for 2005 Civic car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
• If you don't qualify for these discounts, explore other options available or switch the insurance company.
• Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2005 Honda Civic auto insurance rates by state!

How to calculate premium for Honda Civic (2005) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2005 Civic (IMA Sedan Hybrid) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).

Rank	State	Lowest Rates	Highest Rates
1	Vermont	$419	$586
2	Ohio	$424	$597
3	Idaho	$436	$614
4	Virginia	$452	$642
5	Iowa	$469	$664
6	New Hampshire	$491	$676
7	Wisconsin	$497	$692
8	North Dakota	$508	$732
9	Indiana	$519	$771
10	North Carolina	$530	$799
11	Pennsylvania	$536	$843
12	Utah	$547	$854
13	Maine	$553	$871
14	Massachusetts	$564	$888
15	Alaska	$570	$899
16	Tennessee	$575	$921
17	South Dakota	$581	$972
18	Nebraska	$586	$1,000
19	Minnesota	$592	$1,016
20	Illinois	$592	$1,033
21	Hawaii	$597	$1,055
22	Alabama	$603	$1,072
23	Oregon	$609	$1,089
24	Missouri	$614	$1,128
25	Washington	$642	$1,167
26	South Carolina	$648	$1,195
27	Kansas	$664	$1,217
28	New Mexico	$676	$1,245
29	Arizona	$692	$1,256
30	New York	$704	$1,262
31	National average	$726	$1,279
32	New Jersey	$737	$1,318
33	West Virginia	$759	$1,329
34	Mississippi	$776	$1,346
35	Maryland	$793	$1,362
36	Montana	$815	$1,390
37	Nevada	$832	$1,402
38	Arkansas	$843	$1,424
39	Kentucky	$849	$1,446
40	Oklahoma	$877	$1,463
41	Wyoming	$893	$1,474
42	Colorado	$916	$1,502
43	Texas	$933	$1,513
44	Delaware	$955	$1,536
45	Georgia	$977	$1,541
46	California	$1,000	$1,558
47	DC	$1,016	$1,569
48	Connecticut	$1,039	$1,586
49	Rhode Island	$1,050	$1,591
50	Florida	$1,067	$1,625
51	Louisiana	$1,089	$1,647
52	Michigan	$1,111	$1,675
* Compare 2005 Honda Civic car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Is it a good idea for a young driver to drive a car like 2005 Honda Civic (Manual transmission, 1000 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Honda Civic annual insurance cost for a 16 year old is approximately $1284.32, while the cost of the same coverage for seniors aged 70 - 74 is $591.904. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Honda, Civic have 1396 cc, 83 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?

Your Age	Average Rate (Estimate*)
16 - 19	$1,228
20 - 24	$1,195
25 - 29	$1,005
30 - 34	$866
35 – 39	$698
40 – 44	$726
45 – 49	$664
50 – 54	$581
55 – 59	$715
60 – 64	$597
65 – 69	$625
70 – 74	$564
75 and more	$581
* Rough estimate for teens, adults and seniors who are driving Honda Civic (2005)

Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $475 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Honda, Civic good for senior drivers? If you have questions or issues relevant to Honda Civic or another vehicle, please ask in the discussion.

You know you need to insure your 2005 Front Honda, Civic, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Honda Civic: Exterior Specs, Features & Options

The engine of Honda, Civic (4 cyl) is mated to a Manual transmission, that in this case, sends power to the Front. Civic Sedan, 1396 CC (liter), 83 ps (98.6% of a brake horsepower) is matched to an IMA Sedan Hybrid for 2005. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Honda, Civic has horsepower of 83 ps & 1396 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model IMA Sedan Hybrid has an engine torque of 160 nm & 1000 rpm. The power and maximum speed of the Honda Civic vehicle (12.9/100 Kph & 177 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1270 kg is the weight of this model), its engine torque and the engine rotation speed.