Finding the best cheap auto insurance for a Honda Civic depends on lots of different rating factors such as miles driven annually, your residence address, and any driving offenses on your record. Drivers will pay on average $2,772 each year for Civic insurance, but that cost is an estimation based upon a 30-year-old single female driver with full coverage and $500 deductibles.
There’s a good chance you are not 30 and maybe not even a female, maybe you are married instead of single, or you just prefer to insure for liability only. Just a very minor change in the factors used in pricing a policy may result in a big change in rates.
There is no one cookie-cutter policy that works for everyone, so the best way to find cheap auto insurance rates for your Honda is to do a thorough rate comparison.
The specific model of Civic will be a contributing factor to the yearly cost, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will cost $914 less than the insurance cost for 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||$420||$892||$932||$56||$280||$2,580||$215|
|Civic VP 4-Dr Sedan||$420||$1050||$932||$56||$280||$2,738||$228|
|Civic LX 4-Dr Sedan||$420||$1050||$932||$56||$280||$2,738||$228|
|Civic DX 2-Dr Coupe||$420||$1050||$1166||$68||$348||$3,052||$254|
|Civic EX 4-Dr Sedan||$420||$1050||$932||$56||$280||$2,738||$228|
|Civic LX-S 4-Dr Sedan||$420||$1050||$932||$56||$280||$2,738||$228|
|Civic LX 2-Dr Coupe||$420||$1210||$1166||$68||$348||$3,212||$268|
|Civic EX-L 4-Dr Sedan||$482||$1210||$932||$56||$280||$2,960||$247|
|Civic SI 4-Dr Sedan||$482||$1210||$932||$56||$280||$2,960||$247|
|Civic EX 2-Dr Coupe||$482||$1210||$1166||$68||$348||$3,274||$273|
|Civic GX 4-Dr Sedan||$482||$1210||$932||$56||$280||$2,960||$247|
|Civic EX-L 2-Dr Coupe||$482||$1210||$1166||$68||$348||$3,274||$273|
|Civic Hybrid 4-Dr Sedan||$544||$1050||$932||$56||$280||$2,862||$239|
|Civic SI 2-Dr Coupe||$544||$1368||$1166||$68||$348||$3,494||$291|
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in specific location which can alter premiums substantially.
Comparing quotes for budget car insurance is not always easy, and determining which company offers the cheapest auto insurance rates for a Honda Civic calls for a bit more work. Every car insurance company uses a different method to determine premium rates, so we’ll go over the most competitive auto insurance companies in Michigan.
It’s important that readers know that Detroit auto insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Events such as a birthday, buying a home instead of renting, or getting a driving violation can cause premium changes that may make certain companies more affordable than the competition.
Best Auto Insurance Prices for Your Honda
USAA has some of the best car insurance rates in Detroit at around $949 annually. This is $1,444 less than the average rate paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb would also be considered some of the cheapest Detroit, MI insurance companies.
As shown in the table above, if you are currently insured with Safeco and switched to USAA, you might realize yearly savings of about $98. Customers with MetLife could save as much as $401 a year, and Chubb customers might see rate reductions of $479 a year.
Remember that these premium estimates are averages across all types of insureds and vehicles and are not factoring in an exact zip code location for a Honda Civic. So the company that is best suited for you may not even be in the top 30 companies shown above. That helps illustrate why you need to compare rates from multiple companies using your own specific driver information and vehicle.
Careless driving habits raise auto insurance rates
A great way to receive the best auto insurance rates in Michigan for a Civic is to be a safe driver and avoid getting tickets or having accidents. The illustration below illustrates how traffic citations and at-fault fender-benders can impact car insurance rates for different age groups of insureds. The premium estimates are based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of auto insurance in Detroit per year with a clean driving record and no accidents is $3,651. Get written up for one speeding ticket and the average cost jumps to $4,269, an increase of $618 each year. Now get two accidents along with the one speeding ticket and the annual cost of auto insurance for a Honda Civic jumps again to an average of $9,866. That’s an increase of $6,214, or $518 per month, just for not driving attentively!
You may be paying too much for Civic insurance
Detroit auto insurance rates are determined by lots of factors that may substantially change the price you pay for coverage. Improving your credit score, buying a home instead of renting, or getting caught speeding may generate price changes that can cause some rates to be more affordable than others.
Additionally, car insurance companies file new Michigan auto insurance rates every year to reflect underwriting profits or losses. Significantly higher claims may cause high rates, while less frequent claims can cause more affordable Civic insurance rates.
As an example, the bar chart below shows which companies have the cheapest car insurance in Detroit, MI for a 40-year-old female driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on her personal risk profile, USAA may offer the most affordable car insurance rates in Detroit at $2,372 per year. This is $21 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and MEEMIC also make the list of the cheapest Detroit, MI auto insurance companies.
In this example, we will give the driver in the first example a claim surcharge, a lower credit score, and a couple of points charged on her driving record. Due to the fact that every auto insurer uses their own calculation for filing rates in each state, comparing rates could result in a different list of affordable Detroit car insurance companies as shown below.
GEICO now has the lowest car insurance rate in Detroit, MI with Pioneer State Mutual, Safeco, USAA, and Hastings Mutual completing the list. This example proves why it is so important to compare many different companies when trying to get the cheapest insurance rates for a Honda Civic.
Insurance prices are influenced by many risk factors and can decrease or increase without notice, so the cheapest company three years ago may now be an over-priced policy.
How to find budget-friendly auto insurance for a Honda Civic
The list below summarizes some of the better thrifty suggestions that can help Detroit drivers quote more affordable coverage.
- Buy safe vehicles
- Being accident-free can lower rates significantly
- Pay lower rates with good credit
- Save money by observing traffic laws and speed limits
- Claim-free drivers earn discounts
- Compare rates regularly to ensure the best deal
The last item on the list is very significant, as was discussed in this article. Prices charged by car insurance companies can change considerably based on profitability, so don’t hesitate to buy a policy from a new company if a more affordable rate is found. Staying with the same company for years is fine, but it’s not a great idea if that inflexibility results in costing you a small fortune year after year. In just a few minutes you could compare prices to find cheaper auto insurance for a Honda Civic in Detroit.
The agents below can probably aid you in deciding which auto insurance policy fits you best, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when comparing insurance rates for a Civic. It can be complicated to do it yourself, so getting advice from a licensed agent can provide comfort knowing your policy gives you enough coverage when you need it.
To find an auto insurance agency nearest to you, click the button following the list.
22824 John R Rd – Hazel Park, MI 48030 – (248) 398-5200
- Woodward Insurance
1529 Woodward Ave – Detroit, MI 48226 – (313) 962-6200
- L.A. Insurance Agency
15607 Grand River Ave – Detroit, MI 48227 – (313) 835-4000
- Tony Massey – State Farm Insurance Agent
15 E Kirby St #112 – Detroit, MI 48202 – (313) 873-3334
- Cosby Insurance Agy and Financial Services
10140 W McNichols Rd – Detroit, MI 48221 – (313) 864-3285