Determining if $272 per month is too much for car insurance can depend on several factors, including personal circumstances and location. For a 21-year-old driver, insurance premiums tend to be higher due to less experience on the road and statistically higher accident rates in younger age groups. The 2007 Honda Civic is known for being a generally affordable vehicle to insure, given its moderate repair costs and favorable safety ratings.
However, the cost of insurance can vary greatly depending on factors such as your state or city of residence, your driving history, the insurance company’s assessment criteria, and any available discounts (like those for good students or for bundling insurance policies). If you have a clean driving record with zero accidents or violations, you might be eligible for a lower rate.
It would be wise to shop around and get quotes from multiple insurance providers to compare prices and see if you can obtain a better deal. Additionally, consider speaking to an insurance agent to explore possible discounts or to understand if there are coverages included in the policy that you don’t necessarily need.
