Buying the best cheap auto insurance for a Honda Civic depends on many rating factors such as when you were born, your residence address, and your driving record. Drivers will pay around $1,453 each year for Civic insurance, but that amount is an approximation based on a 30-year-old single male driver with full physical damage coverage and $250 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 30 years old (or even male), you might be married instead of single, or maybe you are just looking for cheap liability insurance. Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap car insurance rates for your Honda is to do the rate comparisons yourself. Get a free quote now and you will receive price comparisons from the best companies that insure vehicles in Colorado.
The trim level of your Honda will most likely have an effect on the annual cost of coverage, so the rate you will pay to insure a Civic DX 4-Dr Sedan will be $480 cheaper than the cost to insure the fancier Civic SI 2-Dr Coupe model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$270||$458||$460||$28||$138||$1,354||$113|
|Civic VP 4-Dr Sedan||$270||$538||$460||$28||$138||$1,434||$120|
|Civic LX 4-Dr Sedan||$270||$538||$460||$28||$138||$1,434||$120|
|Civic DX 2-Dr Coupe||$270||$538||$576||$34||$172||$1,590||$133|
|Civic EX 4-Dr Sedan||$270||$538||$460||$28||$138||$1,434||$120|
|Civic LX-S 4-Dr Sedan||$270||$538||$460||$28||$138||$1,434||$120|
|Civic LX 2-Dr Coupe||$270||$620||$576||$34||$172||$1,672||$139|
|Civic EX-L 4-Dr Sedan||$310||$620||$460||$28||$138||$1,556||$130|
|Civic SI 4-Dr Sedan||$310||$620||$460||$28||$138||$1,556||$130|
|Civic EX 2-Dr Coupe||$310||$620||$576||$34||$172||$1,712||$143|
|Civic GX 4-Dr Sedan||$310||$620||$460||$28||$138||$1,556||$130|
|Civic EX-L 2-Dr Coupe||$310||$620||$576||$34||$172||$1,712||$143|
|Civic Hybrid 4-Dr Sedan||$350||$538||$460||$28||$138||$1,514||$126|
|Civic SI 2-Dr Coupe||$350||$702||$576||$34||$172||$1,834||$153|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in specific location which can increase or decrease premium rates noticeably.
Insuring your vehicle with the top car insurance company can be challenging considering how many companies sell coverage in Denver. The rank data shown below can help you pick which insurers to look at comparing rate quotes with. The rankings below are for companies with a national presence, so smaller companies that only insure vehicles in Colorado are not factored into the list.
Top 10 Major Auto Insurance Providers Overall in Denver
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Top 10 Major Auto Insurance Providers in Denver Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
Get discounts on Denver car insurance rates
Auto insurance companies that provide policies for a Honda Civic may also provide special discounts that could lower prices by as much as 35% or more if you are eligible. Larger insurance companies and a summarized list of policyholder discounts can be read below.
- Mercury Insurance offers discounts including type of vehicle, multi-car, accident-free, good student, good driver, multi-policy, and annual mileage.
- Farmers Insurance has savings for bundle discounts, business and professional, good student, youthful driver, early shopping, electronic funds transfer, and pay in full.
- Farm Bureau offers premium reductions for multi-policy, driver training, youthful driver, good student, safe driver, and renewal discount.
- State Farm may include discounts for driver’s education, Steer Clear safe driver discount, anti-theft, student away at school, and multiple policy.
- Allstate policyholders can earn discounts including 55 and retired, anti-lock brakes, new car, senior citizen, good payer, premier discount, and premier plus.
- GEICO may offer discounts for seat belt use, five-year accident-free, driver training, multi-vehicle, federal employee, and defensive driver.
The diagram below shows the comparison of annual premium costs with and without discounts applied. Data assumes a female driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, multiple policy, defensive driving course, vehicle safety, homeowner, and marriage discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for a Honda Civic is 28% or $724.
The example below illustrates how your choice of deductibles can affect yearly insurance costs when trying to find cheap insurance for a Honda Civic. The premiums assume a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
In the chart above, a 50-year-old driver could lower their policy premium by $410 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $612 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could possibly save as much as $1,062 annually by using higher deductibles when buying full coverage.
If you do raise deductibles, it is necessary to have additional funds squirreled away to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Ideas for buying low-cost car insurance for a Honda Civic
It is possible to find better rates, and here are a few money-saving solutions that can help Denver drivers locate cheaper car insurance.
- Raise your deductibles
- Ensure your driving record is clean
- Accidents can significantly increase rates
- Buy vehicles with good safety ratings
- Maintaining good credit helps earn cheaper rates
- Ensure you have the best deal by shopping around regularly
The last tip in the list is certainly critical, as we discussed in the prior information. Insurance prices can be adjusted at any time, so don’t hesitate to switch companies if a lower price can be found.
Having a favorite company is fine, but we do not recommend it if that loyalty ends up costing big bucks every year. Take a few minutes and compare rates to find cheaper car insurance for a Honda Civic in Denver.