Short answer
For a 2023 Honda Civic, full coverage is worth it for most owners. You pay about $574 per year, or $48 per month. Keep full coverage if you have a loan or lease. It also pays off if you drive in high-risk areas or lack savings for a $5,000 to $15,000 repair or total loss.
What full coverage includes
Full coverage means liability plus collision and comprehensive. Collision pays to fix your Civic after a crash you cause. Comprehensive covers theft, vandalism, fire, hail, and falling objects.
A new Civic keeps strong resale value. Modern repairs cost a lot. Collision and comprehensive protect that value. They also limit your big out-of-pocket costs.
Cost breakdown
Full coverage costs more than liability only. But it guards against large losses.
| Coverage type | What it covers | Annual cost | Monthly cost | Typical deductible |
|---|---|---|---|---|
| Liability only | Damage you cause to others | $200 to $300 | $17 to $25 | $0 |
| Full coverage | Liability + collision + comprehensive | $574 | $48 | $500 to $1,000 |
Full coverage runs $274 more per year than a $300 liability policy. That equals $23 extra per month for much broader protection.
When full coverage makes sense
Pick full coverage if you:
- Finance or lease your Civic. Lenders demand it.
- Park on streets, drive in heavy traffic, or deal with bad weather.
- Hold less than $10,000 in savings for a major loss.
- Plan to protect the Civic's resale value while it's new.
Drop collision and comprehensive only if you own the car free and clear. Do this when its market value drops low. Make sure you have cash set aside for repairs.
What affects your rate
Your driving record matters. A clean one saves 10 to 20 percent. High mileage or a long commute raises risk. City spots see more theft and crashes. Raise your deductible to $1,000 from $500 to cut premiums. But you pay more upfront on claims. Grab discounts for bundling policies, safe driving, or using telematics apps.
Practical steps to decide
- Review your loan or lease terms for required coverage.
- Gauge your risk by parking spot, miles driven, and local weather.
- Test if you can pay $5,000 to $15,000 out of pocket for a loss.
- Get quotes from at least three insurers. Use the same limits and deductibles.
- Choose a deductible you can cover now, like $500 or $1,000.
- Check your policy each year. The Civic loses value over time. Your savings might grow.
Sidekick compares quotes and coverage fast to match your budget.