Finding cheaper insurance for a Honda Civic is pretty simple for most people to do, but it depends on a large number of rating criteria such as driver age, if you have prior claims, and blemishes on your driving record. Colorado drivers pay approximately $1,443 annually for Civic insurance, but that amount is an estimate calculated based on a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
But there is a good chance that you are not 50 and maybe not even a male, you might be married instead of single, or you just prefer to insure for liability only. Just a slight change in rating variables could end up in a significant change in the cost of a policy.
Not everyone needs the same coverages, so the only way to find cheap auto insurance rates for your Honda is to do your own rate comparisons.
The specific model of Civic can impact the yearly cost, so the price you will pay to insure a Civic DX 4-Dr Sedan trim level will be $504 cheaper than the insurance cost for the more costly Civic SI 2-Dr Coupe model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$226||$562||$396||$24||$118||$1,326||$111|
|Civic VP 4-Dr Sedan||$226||$662||$396||$24||$118||$1,426||$119|
|Civic LX 4-Dr Sedan||$226||$662||$396||$24||$118||$1,426||$119|
|Civic DX 2-Dr Coupe||$226||$662||$496||$30||$148||$1,562||$130|
|Civic EX 4-Dr Sedan||$226||$662||$396||$24||$118||$1,426||$119|
|Civic LX-S 4-Dr Sedan||$226||$662||$396||$24||$118||$1,426||$119|
|Civic LX 2-Dr Coupe||$226||$762||$496||$30||$148||$1,662||$139|
|Civic EX-L 4-Dr Sedan||$260||$762||$396||$24||$118||$1,560||$130|
|Civic SI 4-Dr Sedan||$260||$762||$396||$24||$118||$1,560||$130|
|Civic EX 2-Dr Coupe||$260||$762||$496||$30||$148||$1,696||$141|
|Civic GX 4-Dr Sedan||$260||$762||$396||$24||$118||$1,560||$130|
|Civic EX-L 2-Dr Coupe||$260||$762||$496||$30||$148||$1,696||$141|
|Civic Hybrid 4-Dr Sedan||$294||$662||$396||$24||$118||$1,494||$125|
|Civic SI 2-Dr Coupe||$294||$862||$496||$30||$148||$1,830||$153|
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific Colorado garaging location which can affect auto insurance rates greatly.
Finding good, cost effective insurance is not the easiest thing to accomplish, and finding out which companies offer the cheapest auto insurance rates for a Honda Civic in Colorado requires additional perseverance. Every insurance provider uses different criteria to set policy rates, so to begin we'll rank the auto insurance companies that tend to have lower prices in Colorado.
Best Cheap Insurance Rates for Your Honda
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,640|
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The Hartford offers some of the lowest car insurance rates in Colorado at around $825 annually. Grange, USAA, Nationwide, and Auto-Owners also qualify as some of the cheapest Colorado car insurance companies.
As illustrated above, if you currently buy coverage from Grange and switched to The Hartford, you might realize yearly savings of roughly $133. Customers with USAA could save as much as $174 a year, and Nationwide customers might see rate reductions of $284 a year.
To see if you're overpaying, click here to begin a quote or quote prices from the following companies.
It's important to note that these prices are averages for all drivers and vehicles and and are not figured with a specific rate factor for a Honda Civic. So the auto insurance company that can offer you the lowest price may not even be in the top 21 companies in the list above. That emphasizes why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Cautious Colorado drivers save money
A great way to enjoy the best auto insurance prices in Colorado for a Civic is to drive cautiously and avoid tickets and accidents. The example below illustrates how violations and at-fault fender-benders increase insurance costs for different age categories. The costs are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of car insurance per year with no accidents and a clean driving record is $1,994. Add in one speeding ticket and the average cost surges to $2,290, an increase of $296 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for a Honda Civic in Colorado jumps again to an average of $3,136. That's an increase of $1,141, or $95 per month, just for being a less-than-perfect driver!
Get discounts on Colorado insurance
Auto insurance companies that offer quotes for a Honda Civic may also provide discounts that may potentially lower prices by as much as 25% or more if you are eligible. A list of companies and some of the premium reductions they offer can be read below.
- Progressive offers discounts including online quote discount, continuous coverage, multi-vehicle, homeowner, and multi-policy.
- MetLife policyholders can earn discounts including good student, claim-free, defensive driver, multi-policy, good driver, and accident-free.
- Mercury Insurance may have discounts that include annual mileage, anti-theft, age of vehicle, good student, good driver, type of vehicle, and accident-free.
- Nationwide may offer discounts for family plan, easy pay, accident-free, good student, defensive driving, and anti-theft.
- GEICO offers premium reductions for air bags, emergency military deployment, seat belt use, military active duty, and driver training.
- AAA offers discounts for anti-theft, AAA membership discount, good driver, multi-policy, pay-in-full, and good student.
The example below illustrates the difference between premium costs with and without discounts being applied to the rates. The rates are based on a female driver, no tickets, no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, defensive driving course, passive restraint, multiple policy, accident-free, and safe-driver discounts applied. In this example, the average savings per year on auto insurance for a Honda Civic is 28% or $607.
The importance of shopping around for Civic insurance
Colorado auto insurance rates are calculated based on many things that will increase or decrease the price of coverage. Getting older, becoming a homeowner, or getting a speeding ticket can trigger price changes resulting in some rates now being cheaper than competitors.
Not only may things change on your end, but auto insurance companies file new rates as often as every quarter to reflect underwriting profits or losses. Larger than normal claims may result in additional price hikes, while lower claim levels can result in cheaper Civic insurance rates.
For instance, the chart below compares the cheapest car insurance in Colorado for a 40-year-old female driver with a good driving record, no prior claims, and a high credit rating. If we estimate prices based on her current risk profile, The Hartford offers the most affordable car insurance rates in Colorado at $825 annually. This is $753 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are also included in the cheapest Colorado auto insurance companies.
Now let's give the driver from the above example a couple of claims, a little lower credit rating, and a traffic citation. Since each insurance company uses a different method for determining rates, comparing insurance quotes may result in a different list of the cheapest companies as shown below.
Auto-Owners now has the lowest price in Colorado with State Farm, American Family, Amica, and Progressive now being in the top five. This example demonstrates why Colorado drivers need to compare many different companies to find the most economical insurance quotes for a Honda Civic. Insurance rates can be altered by many different factors and can increase or decrease at any time, so the best option the last time you shopped your coverage around may now be quite expensive.
Ideas to find cheaper insurance for a Honda Civic
The list below summarizes some of the recommended thrifty solutions that can help you locate more affordable coverage.
- Buy vehicles with good safety ratings
- Full coverage is expensive so only insure older vehicles for liability only
- Prevent price hikes by avoiding at-fault accidents
- Good credit scores may make rates cheaper
- Save money by insuring your home and auto with the same company
- Shop around and save
That last tip is extremely valuable, as was noted in the article above. Prices charged by auto insurers can change considerably based on profitability, so drivers shouldn't be reluctant to change to a new company if you find a better deal.
Staying with the same company for years is fine, but it's not recommended if that stubbornness costs you money that could be spent on other things. It takes less than five minutes to compare rates to find cheaper car insurance for a Honda Civic.