Why is honda civic insurance so high reddit

A few risk factors for auto insurance premiums in the US:
Where you live (state).
Where you live (city).
How old you are.
Car safety rating.
Car age.
Car body style.

There are some other factors that can "discount" your premiums. What I mean by this, is that an Express online/phone quote might price only based on the above criteria, and these would be taken into consideration later on:
Miles driven per year. The fewer, the better.
Your credit history.
Your claims history.
Your driving record.

If there isn't going to be a lien on the car, you can choose less coverage. You might want collision, but not comprehensive as required by some lenders. You can opt out of collision as well.

Where have you gotten these quotes? If they're online quotes, you should try to find time to visit an agent local to you and discuss it in-depth. Cookie cutter quotes/policies aren't perfect. If you meet with an agent who isn't willing to help out much, move on to the next. Ask them about discounts. Generally people don't advertise free money.

If you were insured by someone else (your grandmother, your parents, etc), and they made a claim on a vehicle listing you as the driver, that might affect you.

$25k is very generous, and don't take this the wrong way, but since $2400/yr insurance isn't in your budget, get a car within your means. Replacing or fixing a $25k car obviously costs the insurance company more than it would cost them to replace a $20k car. That cost has to trickle down somewhere. You can find several reliable, newer cars with warranty for under $20k that might yield lower premiums.

Unfortunately, since city/state are factors, you really might find that any car over $15k retail is going to cost $2400/yr or more to insure where you live. A $15k car may cost you more in other aspects too, so keep that in mind.

With all of this being said, $200/mo for a $25k car is reasonable if you have comprehensive and collision with $500 deductibles. When I bought a $22k car 3 years ago I was paying $150/mo for high deductibles and the lowest state-required liability. I shopped around a year later and was getting quotes for $375+/mo. I have talked to low-risk drivers in high-risk geographics paying $450/mo for similar coverage as me. I have heard of high-risk drivers paying $700/mo for insurance on $35k cars. I'm not sure if that gives you perspective.

EDIT: Gender is also a factor. Vehicle paint color is NOT a factor.

Check this out. Kind of explains some of my points. https://www.esurance.com/info/car/how-your-car-insurance-rate-is-determined

UPDATE: Thank you everyone for your input, stories and advice. Gonna have to leave the thread for now but I appreciate it a lot!

I just need some advice on how to get lower car insurance. I just turned 24 this year, I’m a male, and my car insurance has done nothing but increase. My monthly premium is $155 a month, $900 6 months. I drive a modest car on a loan, 2016 Honda Civic with a 2.0L engine. It has 80,000 miles.

I have 0 moving violations for almost 10 years, I was in one minor wreck when I was 16 years old and have been told it’s not a factor anymore. I have no speeding tickets or infractions, I’ve never even got a warning. My record is spotless.

I’m not sure what factors could be making my bill this high. My girlfriend, 22, pays $60 a month through progressive and they quoted me $160 a month! My other friend (also a girl) pays $40 with Geico!

The only thing that I can think it that my credit is a little worse than it was before, but even when my credit was 780 when I was 22, I was still paying $140 a month.

What can I do to get a lower bill? What factors might be screwing me over?

I'm 21 and have had a license since I was 18. I've never been in an accident nor have I gotten a ticket but I do live in a pretty high crime area outside Boston. I drive a 2013 FRS with full coverage (it's financed) and my insurance is killing me. I pay $290 a month with Liberty Mutual, that's more than I pay for the car every month. I shopped around some other places but it wasn't much better. I got quoted $440 from Geico, $389 from Progressive, and $400 from AAA.

Why the heck is my insurance so high? Before the FRS I had a 91 Miata but I still paid $190 a month for that car with minimal coverage. Any suggestions would help greatly because I really can't afford this.

Im 18 and I want to buy a Honda Civic SI, I really like the 2006 over the 2000 but my father says since it will be my very first car the insurance will be really high so it will be cheaper to insure the 2000 over the 2006.

However after some re-search I found out newer cars can be cheaper to insure than older cars because of their now better safety measures when compared to its older version.

So, would it really be that much expensive to insure a 2006 Honda Civic SI over a 2000 Honda Civic SI or would it actually be cheaper?

Is insuring a Honda Civic expensive?

Why do Civics cost so much to insure?

Is a civic cheap to insure?

How much is insurance on a 2022 Civic?