2012 Honda Civic Insurance Analysis

The 2012 Honda Civic is a good pick for safety and lower insurance rates.

Honda is proud of their 2012 Honda Civic

One of the safest cars on the road is the 2012 Honda Civic. It was not tested by the National Highway Traffic Safety Administration, but received very high marks by the Insurance Institute for Highway Safety.

The 2012 Honda Civic actually comes in 7 different versions:

• Sedan
• Coupe
• SI Sedan
• SI Coupe
• HF Hybrid
• Natural Gas

For our purposes, the specific 2012 Honda Accord we will be concentrating on it the sedan.

Insurance Rates of the 2012 Honda Civic

The 2012 Honda Civic is did not make the list as one of the cheapest cars to insure (insure.com). However, it also did not make the list of the top 20 most expensive cars to insure either.

With its high safety ratings, the chance that someone in the Honda Civic will be injured is small. If they are injured, their injuries will be minimal (excluding the worst case scenario). With a decreased chance of injury and severity of injury, the insurance for medical expenses is going to be closer to the cheaper side of the insurance premiums than anything else.

Also the Honda Civic is not an expensive car. This means that if it were to get into a car accident, that the insurance company is not going to be paying all that much for the parts to fix it.

Finally, the Honda Civic is a smaller sedan. The smaller the vehicle, the less damage it is going to be able to cause another vehicle. This makes the insurance premium for the liability coverage on the 2012 Honda Civic also on the low side.

IIHS Safety Ratings for the 2012 Honda Civic

The Insurance Institute of Highway Safety (IIHS) tested the 2012 Honda Civic sedan models for this year’s safety testing. The Civic received a “good” rating (the highest safety rating) in every category. This includes the: front crash test, side crash test, roof strength test and rear crash test.

With their consistent high ratings in every test the IIHS performed on it, the 2012 Honda Civic earned the IIHS “Top Safety Pick” designation for the year 2012.

2012 Honda Civic Recalls

Honda does have a recall out for some of its 2012 Civics. The recall is due to the driveshaft, and the possibility that it may separate. There have been no deaths or injuries reported yet due to this defect, they are just being cautious.

If you have any questions about you 2012 Honda Civic and if it is being recalled, contact your local Honda dealership.