Why is my auto insurance more expensive after adding Sport trim?
The 2023 Honda Civic Sport trim raises your insurance rates by 30% to 70%. You added power and style. Insurers see higher risks with sport trims. They charge more for faster speeds and costly repairs.
Sport models feature a 1.5-liter turbo engine with 180 horsepower. Drivers accelerate harder. Data shows Sport owners file more tickets and claims. Base Civic LX owners pay about $1,300 a year for insurance. Sport owners average $2,270. In high-risk areas like zip code 01760, rates top $3,500.
Repairs hit harder too. Sport adds alloy wheels, upgraded brakes, and premium audio. A fender bender costs $2,000 on a base Civic. The same crash on Sport runs $3,500. Full coverage doubles rates over liability. Sport looks attract thieves.
Your age, driving record, and mileage play roles. A clean record lowers costs. Sport trim changes often outweigh discounts.
Check this cost breakdown for the 2023 Honda Civic:
| Trim Level | Average Annual Insurance | Repair Cost Example |
|---|---|---|
| Base (LX) | $1,300 | $2,000 |
| Sport | $2,270 | $3,500 |
| Si/Type R | $3,500+ | $5,000+ |
Nationwide averages sit at $2,100 a year. Sport trims push over $3,000.
What can you do?
- Shop quotes from 3 to 5 insurers. One quote saves up to $1,000 a year.
- Raise your deductible to $1,000. Premiums drop 10% to 20%.
- Bundle auto and home insurance. Save 15% to 25%.
- Install anti-theft devices. Rates fall 5% to 10%.
- Drive safely for 3 years. No tickets earns 20% discounts.
Sidekick tracks your full ownership costs. It reveals how trim choices affect insurance and repairs.
Base trims save money. Skip extras that raise rates. Get new quotes before upgrades. Lower your bill now.