How is the Honda Civic coupe classified in comparison to the Civic
sedan? Will a coupe have a higher car insurance rate than the
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 rating for each make and model vehicle, they
take into account several ratings factors, including, but not
- Initial purchase price of the vehicle
- Cost of repairs
- How often the model/type of vehicle is involved in an
- 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 both a
2012 Honda Civic sedan and 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 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
If you are shopping around 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 lifting 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
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 a free auto insurance rate quote 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 auto insurance premium will be.