2012 Honda Civic EX Sedan
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  • 2012 Honda Civic EX Sedan
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Life is not fair. That's about the only rational explanation we can offer for this little fact of life: A low MSRP is likely to mean big insurance payments.

Citing information from Insure.com, MarketWatch says the average price to insure a 2012 Honda Civic sedan, for instance, is about $2,353 per year, while a 2012 Toyota Sienna will run only $1,111 annually. The least expensive vehicles to insure tend to be relatively large vehicles, like minivans, trucks and SUV's, according to the report. Even though those vehicles tend to be much more expensive than compact cars, they also tend to be driven by older, safer drivers.

Don't think this is just a case of the rich getting richer, however, as expensive luxury and sports cars are none too cheap to insure either. The 2012 Audi R8 Spyder topped the Insure.com list of most expensive vehicles to insure at $3,384 per year. The Sienna had the lowest average insurance cost in the study, followed by the Jeep Patriot and Dodge Grand Caravan.

Insure.com's editorial director, Amy Danise, told MarketWatch that the savings some people think they're getting by buying small could evaporate because of the higher insurance premiums. Her advice to keep premiums low? "Buy the minivan, move to the farm, only drive it locally and make sure you never have an accident or kids," she said.

I think we'll just keep writing those checks to AAA instead.


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    • 1 Second Ago
  • 102 Comments
      desinerd1
      • 3 Years Ago
      "Even though those vehicles tend to be much more expensive than compact cars, they also tend to be driven by older, safer drivers." So, you put a misleading title to bait the readers?
      Car Guy
      • 3 Years Ago
      Here are the 5 main things that set your insurance rates: 1) Age 2) Driving Record 3) Zip code 4) Credit Score 5) Claims rate on the model you are insuring. It's much less about the car and more about driver demographics (items #1-4 I list) that have the most influence.
        jtav2002
        • 3 Years Ago
        @Car Guy
        I was kind of surprised that when I went from a car that my insurance company considered "premium performance" to a Toyota Tacoma my insurance actually went up a couple hundred bucks to nearly $1,300(although I'm switching companies and will be down to around $850). I was hoping not having a car they consider performance would make it come down. I'm 28, clear driving record and have a great credit score. Not sure if my zip code area makes it go up.
      Jeff
      • 3 Years Ago
      Honda Civic = teen driver = higher insurance. Minivan = boring soccer mom = lower insurance. Market Watch are idiots for this, and Autoblog isn't much better for the re-post. Anything to post stories on the blog, huh guys?
      • 3 Years Ago
      [blocked]
      GearHeadDeals.com
      • 3 Years Ago
      really? Comparing a minivan to a sedan? how about comparing prices for insurance among vehicles of the same class at least. This data doesnt really point towards price of vehicle being the culprit, rather the type and age of driver....
        z28ssx
        • 3 Years Ago
        @GearHeadDeals.com
        Certain classes of vehicle are more expensive. Minivans on average cost more than small sedans, yet on average a minivan is cheaper to insure.
      BrunoT
      • 3 Years Ago
      Yet another goofball quasi-journalistic effort. Insurance is not based on size, but the driver and other attributes. Liability is a bigger component that "medical payments to those in your car" so it figures that bigger would cost more, not less. I have a 6000 lb HD pickup. $950/year. (with commercial coverage no less!) I have a 4400 lb Volvo crossover $880/year I have a 5500 lb newer pickup $980/year. I had a 3300 lb BMW $930/year I had a 3200 lb Saab $850/year The price differences have more to do with the driver, the value of the vehicle, replacement and repair costs, safety features, and anything but "size". I was trained as a p/c underwriter, but what do I know? You guys in the media are lazy. Hey guys, cut and pasting what someone else reported w/o checking it out isn't journalism. It isn't even "blogging". It's something a 12 y/o girl could do. Quit being a disgrace. You're passing on misinformation.
        lasertekk
        • 3 Years Ago
        @BrunoT
        Liability, or the threat of a lawsuit, and injured people, are one in the same.
      desinerd1
      • 3 Years Ago
      so not only is it ugly, forcing Honda to do a mid cycle refresh, it is also expensive to insure.
      • 3 Years Ago
      [blocked]
      GatorLCA
      • 3 Years Ago
      I went from an 07 Wrangler to a 11 300C and my premium only went up $7 a month. A lot of it has to do with how much spare parts cost and how much said parts cost, where the vehicle is made. Though the car may be assembled in the US, that Civics bumper may still have to come from Japan. Whereas the Sienna could have the majority of it's parts made here. I don't know if any of that is true but the bulk of the policy, from what I've seen comes from collision premiums. Still though, $2300 is really high for a whole years worth of insurance
      Bruce Lee
      • 3 Years Ago
      This is meaningless gibberish. It has to do with the fact that the Civic is a lot more likely to be driven by young and inexperienced drivers whose rates are on average going to be higher, not that everyone is going to have insanely huge quotes if they buy a Civic. And on top of that the places things are driven matter even more, you can drive a high end luxury sports car and in the right zip code insurance is actually very affordable. My friend pays less than I do to insure his brand new Porsche than I do for a 10 year old Camry but that's because he lives in suburban NorCal and I live near NYC where accidents happen basically nonstop.
      • 3 Years Ago
      [blocked]
      action3500
      • 3 Years Ago
      Lets be honest here, NONE of us know how they come up with rates. One company might give me $5k premium, while other will give me $2k for exact same car, in same place for the same driver. One thing is true, it depends on demographics and IIHS statistic for a given car. Scions happen to have A LOT of accidents. While 330HP G37 has relatively few. Premium for 20K scion is $5k a year, premium for $40k G37 is $1500. http://www.iihs.org/research/hldi/composite_cls.aspx?y=2007-2009&cls=2&sz=2&sort=name
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