Buying cheaper insurance for a Honda Civic is pretty simple for most people to do, but it hinges on a whole bunch of factors such as whether you are married, your claims history, and the level of deductible you choose. Drivers pay approximately $919 per year to insure their Civic, but that cost is an estimate calculated based on a 30-year-old single male driver with full coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 30 years old or even a male, possibly married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Auto insurance requires individual risk assessment, so the only real way to find cheap insurance prices for your Honda is to put in the effort to do a thorough rate comparison.
Your vehicle’s trim level tends to have a direct impact on price, so the price you will be charged to insure a Civic DX 4-Dr Sedan will be $296 less expensive the insurance cost for the higher-end Civic SI 2-Dr Coupe version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$156||$262||$326||$20||$98||$862||$72|
|Civic VP 4-Dr Sedan||$156||$308||$326||$20||$98||$908||$76|
|Civic LX 4-Dr Sedan||$156||$308||$326||$20||$98||$908||$76|
|Civic DX 2-Dr Coupe||$156||$308||$408||$24||$122||$1,018||$85|
|Civic EX 4-Dr Sedan||$156||$308||$326||$20||$98||$908||$76|
|Civic LX-S 4-Dr Sedan||$156||$308||$326||$20||$98||$908||$76|
|Civic LX 2-Dr Coupe||$156||$354||$408||$24||$122||$1,064||$89|
|Civic EX-L 4-Dr Sedan||$178||$354||$326||$20||$98||$976||$81|
|Civic SI 4-Dr Sedan||$178||$354||$326||$20||$98||$976||$81|
|Civic EX 2-Dr Coupe||$178||$354||$408||$24||$122||$1,086||$91|
|Civic GX 4-Dr Sedan||$178||$354||$326||$20||$98||$976||$81|
|Civic EX-L 2-Dr Coupe||$178||$354||$408||$24||$122||$1,086||$91|
|Civic Hybrid 4-Dr Sedan||$202||$308||$326||$20||$98||$954||$80|
|Civic SI 2-Dr Coupe||$202||$402||$408||$24||$122||$1,158||$97|
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in specific Durham garaging location which can revise premium rates significantly.
Ending up with the top auto insurance provider can be difficult considering how many different companies insure vehicles in Durham. The ranking data displayed below may help you select which car insurance providers you want to consider when shopping around. These rankings are only comprised of companies with a national presence, so companies that only write business in North Carolina or surrounding areas are not taken into consideration for the list.
Top 10 Large Auto Insurers in Durham Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurers in Durham Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Does full coverage make sense?
Lowering the price of insurance is the goal of most people, and one great way to pay less for insurance for a Honda Civic is to only pay for liability coverage. The illustration below shows the comparison of car insurance costs with full physical damage coverage and with liability coverage only. The premiums are based on no violations or accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
If all age groups are averaged, comp and collision coverage costs an extra $1,794 per year over liability only. That amount may make you wonder if you should buy full coverage at all. There is no definitive guideline to exclude full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your vehicle’s replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after the policy deductible has been paid. If you are paying more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.
The importance of comparing Civic insurance rates
North Carolina insurance rates are based on many factors which can substantially change your annual premium. Simply having a birthday, marrying your spouse, or having an accident can trigger changes in premium resulting in some rates now being more affordable than others.
In addition to those changes, insurance companies change rates at least once a year in order to maintain liquidity for claims. A period of higher than normal claims may cause increased policy costs, while better underwriting may produce lower-cost Civic insurance rates.
The chart below shows the companies that have the cheapest car insurance in Durham, NC for a 45-year-old female driver with no accidents or violations, and a good credit rating. If we estimate rates based on her personal risk profile, Utica National has the cheapest car insurance rates in Durham at $759 each year. This is $113 less than the average premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, NC Farm Bureau, and GEICO are also on the list of the top five cheapest Durham, NC auto insurance companies.
In this next rate comparison, we will give the driver from the first example a claim surcharge, less-than-perfect credit, and a traffic citation. Due to the fact that every insurance company has their own formula to establish rates, comparing prices could result in a different list of cheap Durham auto insurance companies as shown below.
Titan now has the cheapest rate in Durham with State Farm, Auto-Owners, National General, and Progressive also having competitive pricing. This illustrates why it is crucial to compare rates to find affordable car insurance quotes for a Honda Civic. Insurance rates are determined by many different factors and can change substantially, so the most affordable company when you last compared rates may now be quite expensive.