Honda Car Insurance Rates

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Here's what you need to know...

  • Hondas tend to be reliable
  • Prices to insure the same Honda vehicle vary from company to company, so it’s a good idea to compare quotes online
  • You should check the financial stability of any insurance company you consider using
  • Experiences of those you know should factor into your decision of an insurance company

Honda was originally a popular manufacturer of motorcycles.

Its founder, Soichiro Honda, started as a mechanic who tuned cars and raced them. He then started a firm to make piston rings for Toyota. He was involved in the Japanese war effort by assisting companies in the automation of manufacturing processes.

After World War II, Honda began building his own version of motors to attach to bicycles.

By 1964, Honda was the world’s largest manufacturer of motorcycles.

In 1963, Honda began producing a T360 mini pick-up, then an S500 sports car with chain-driven rear wheels. In 1986, Honda introduced the Acura.

From that point, with a brief threat of a takeover by Mitsubishi Motors, the Honda brand moved upward. Expansion of factories into the United States has helped make the brand more appealing to American purchasers.

The general reliability of Honda vehicles has swayed a whole generation of customers.

No matter what car you drive, you will always need good auto insurance coverage. Use our FREE comparison tool by entering your ZIP code to get started today!

Insuring a Honda

For insurance purposes, we chose to compare insurance prices on the Honda Civic, a well-known model. Even though lower limits of liability are acceptable in many states, suggested insurance limits are as follows:

  • Bodily Injury Liability – $100,000 per person/$300,000 each accident – your responsibility to others for injury you have caused others
  • Property Damage Liability – $50,000 each accident –your responsibility to others for damage to their property
  • Medical Payments Coverage – $5,000 – covers medical payments that may not be covered by health insurance to you and your passengers
  • Comprehensive Coverage – $500 deductible – pays for damage to your own vehicle from such things as animal damage, weather, vandalism, and theft
  • Collision Coverage – $500 deductible – pays for collision damage to your own vehicle from collisions
  • Uninsured Motorists Coverage – $100,000 per person/$300,000 per accident – pays for bodily injury to you and your passengers caused by an uninsured motorist

When requesting quotations on insurance, details such as dates of birth for all drivers, drivers license numbers, driving experience, tickets, and accidents, as well as occupations and credit ratings, make a difference.

Whether you own your own home and how far you commute to work are also important. An accurate quote will require that you enter your Social Security Number so the insurance company can access your credit data to verify insurability.

These factors can cause variation in insurance rates, so it is wise to pay attention to them when comparing rates with friends and relatives. A wiser option is to compare service and reliability of insurance companies with your acquaintances.

Knowing the way a company addresses losses will make a difference in your insurance satisfaction.

You can check the financial stability of insurance companies with a company called A.M. Best that gives a rating to each company using an alphabetical system.

The following prices were available online for a 2013 Honda Civic Sedan:

  • Insurance Company #1 – $589.00 for six months
  • Insurance Company #2 – $885.00 for six months

This is an example illustrating why it is a good idea to compare insurance quotes annually when seeking insurance. Credits and rates vary from company to company – and even within companies.

Both the companies quoted here are owned by the same entity, but one quote is considerably less because all the transactions are done online and no paper is generated.

Premium collection is done by direct deposit from your bank account with your permission.

Comparison-shopping has benefits.

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What Honda Has to Offer

Honda’s offerings for 2016 are impressive in number and variety. Most configurations of passenger autos are available. This listing is somewhat condensed:

  • Accord
  • Civic
  • Crosstour
  • CR-V
  • CR-Z
  • Fit
  • HR-V
  • Insight
  • Odyssey
  • Pilot

Most of the Honda line achieves excellent highway mileage ratings from the EPA. Visit Honda’s website to get an exact listing of their line-up with the MSRP for each, the EPAs gas mileage ratings, and seating capacity by vehicle.

Shopping for a New Car

Recognize that the Manufacturer’s Suggested Retail Price (MSRP) does not include taxes, licensing fees, registration, destination charges, and options.

There are a number of sites online that can give you estimated costs of vehicles along with the five-year cost of ownership for a particular vehicle.

Before choosing a new vehicle, check these sites and compare the costs of ownership to determine if you can afford the vehicle.

Arrange for financing before you see a dealership. If you do this, you will be able to logically determine if any dealer financing is comparable or a better deal. In addition, this will assure you that you can, indeed, purchase the vehicle you want.

Examine consumer websites and reviews to see what other people have experienced with the particular vehicle you’ve chosen. Many of these websites put the cars through their own tests and evaluations to determine the reliability and durability of selected cars.

Comparison-Shopping for Cars

Once you have narrowed down the models and brands of cars that you will consider purchasing, check what the cost of the vehicles are online with all the options you want.

Honda has a “build a car” feature where you can list the base car you want, then add the options you desire, culminating in a final price.

Be sure, though, to factor in the hidden costs of car ownership. They may vary from state to state as well as county-to-county because taxes and fees are usually unique to the area in which you live.

Always get the best auto insurance rates regardless of what you drive. By entering your ZIP code below, you can find and compare car insurance quotes instantly!

FREE Car Insurance Comparison

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