Finding the best cheap car insurance for a Honda Civic is pretty easy for most people, but it is dependent upon an enormous amount of factors such as annual miles driven, your credit rating, and any prior driving offenses you have. Arizona drivers pay approximately $1,185 per year to insure their Civic, but that figure is using a 30-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
When projecting a rate like this, the problem is that you may not be 30 years old (or even female), possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Having different needs demonstrates why the best method for finding cheap auto insurance rates for your Honda is to do a thorough rate comparison. In just a few minutes you will receive prices from the best companies that sell coverage in Arizona.
Compare Honda Civic Insurance Rates
The trim level of your vehicle tends to have a direct effect on the insurance rate, so the price you will be charged to insure a Civic DX 4-Dr Sedan model will be $410 less than the cost to insure the higher-priced 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 | $218 | $456 | $306 | $18 | $92 | $1,090 | $91 |
| Civic VP 4-Dr Sedan | $218 | $538 | $306 | $18 | $92 | $1,172 | $98 |
| Civic LX 4-Dr Sedan | $218 | $538 | $306 | $18 | $92 | $1,172 | $98 |
| Civic DX 2-Dr Coupe | $218 | $538 | $382 | $22 | $114 | $1,274 | $106 |
| Civic EX 4-Dr Sedan | $218 | $538 | $306 | $18 | $92 | $1,172 | $98 |
| Civic LX-S 4-Dr Sedan | $218 | $538 | $306 | $18 | $92 | $1,172 | $98 |
| Civic LX 2-Dr Coupe | $218 | $620 | $382 | $22 | $114 | $1,356 | $113 |
| Civic EX-L 4-Dr Sedan | $250 | $620 | $306 | $18 | $92 | $1,286 | $107 |
| Civic SI 4-Dr Sedan | $250 | $620 | $306 | $18 | $92 | $1,286 | $107 |
| Civic EX 2-Dr Coupe | $250 | $620 | $382 | $22 | $114 | $1,388 | $116 |
| Civic GX 4-Dr Sedan | $250 | $620 | $306 | $18 | $92 | $1,286 | $107 |
| Civic EX-L 2-Dr Coupe | $250 | $620 | $382 | $22 | $114 | $1,388 | $116 |
| Civic Hybrid 4-Dr Sedan | $282 | $538 | $306 | $18 | $92 | $1,236 | $103 |
| Civic SI 2-Dr Coupe | $282 | $700 | $382 | $22 | $114 | $1,500 | $125 |
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific location which can affect coverage prices significantly.
Shopping around for low-cost auto insurance is hard enough, and determining which company offers the best car insurance rates for a Honda Civic will require even more diligence. Each insurer uses a different method to determine premium rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in Chandler.
Keep in mind that Chandler, AZ car insurance rates are impacted by many things that control the cost of coverage. This price fluctuation is why drivers need to compare lots of rates when trying to find affordable auto insurance rates for a Honda Civic. Car insurance prices are determined by many factors and can increase or decrease at any time, so the lowest-price company when you bought your policy may now be an over-priced policy.
Cheapest Insurance Rates for Your Honda
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,075 |
| 5 | Progressive | $1,118 |
| 6 | USAA | $1,124 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,323 |
| 13 | Farmers | $1,350 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,433 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,552 |
| 20 | MetLife | $1,567 |
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The Hartford generally has some of the best car insurance rates in Chandler at around $836 annually. Safeco, Auto-Owners, Travelers, and Progressive would also make the list of some of the most economical Chandler, AZ insurance companies.
In the above rates, if you are insured with Travelers and switched to The Hartford, you could realize savings of around $239. Drivers with Progressive could save as much as $282 a year, and USAA policyholders might see rate reductions of $288 a year.
Understand that those premiums are averages for all types of insureds and vehicles and do not take into consideration an exact zip code location for a Honda Civic. So the car insurance company that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to get rate quotes using your own driver data and vehicle information.
How careless driving impacts car insurance rates
The obvious way to snag low car insurance prices in Arizona for a Civic is to drive attentively and avoid tickets and accidents. The illustration below illustrates how violations and at-fault claims can increase insurance prices for different age categories. The premiums assume a single male driver, full coverage, $100 deductibles, and no policy discounts are applied.
In the previous example, the average cost of car insurance in Arizona per year with no accidents and a clean driving record is $2,753. Add in one speeding ticket and the average cost swells to $3,101, an increase of $348 each year. Then include one accident along with the one speeding ticket and the yearly cost of car insurance for a Honda Civic jumps again to an average of $4,110. That’s an increase of $1,357, or $113 per month, just for not driving attentively!
Discount Chandler insurance
Insurance providers that provide policies for a Honda Civic may have policy discounts that can lower rates by as much as 35% if you meet certain criteria. A few popular companies and the discounts they provide are shown below.
- State Farm offers discounts including student away at school, multiple policy, anti-theft, driver’s education, multiple autos, passive restraint, and accident-free.
- Farmers Insurance offers premium reductions for electronic funds transfer, teen driver, distant student, pay in full, good student, bundle discounts, and business and professional.
- GEICO may include discounts for multi-vehicle, five-year accident-free, military active duty, seat belt use, and good student.
- American Family has savings for air bags, multi-vehicle, mySafetyValet, bundled insurance, and TimeAway discount.
- Nationwide has discounts for accident-free, good student, anti-theft, easy pay, and business or organization.
- Progressive offers discounts for online signing, multi-policy, multi-vehicle, online quote discount, good student, and continuous coverage.
The diagram below illustrates the difference between insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, defensive driving course, multiple vehicle, accident-free, passive restraint, and vehicle safety discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Honda Civic is 28% or $618.
How to find cheaper car insurance for a Honda Civic
The list below shows some of the better money-saving ideas that can help drivers buy low-cost car insurance.
- Good credit can save money
- Raise physical damage deductibles
- Bundle home and auto and save
- Save money by only buying liability coverage for older vehicles
- Avoid filing excessive claims
- Drive a car with a high safety rating
- Comparison shop at least every other year
The last item on the list is notably valuable, as we emphasized in this write-up. Rates go up and down frequently, so don’t be afraid to buy a different policy if a lower price can be found.
Many drivers prefer to stick with one company, but it’s not a great idea if that stubbornness costs you thousands of dollars over the life of your policy. Now is a great time to compare prices to find cheaper car insurance for a Honda Civic in Chandler.
The Chandler car insurance agencies listed below can aid you in deciding which car insurance company is the best fit, since lots of people like to have a little guidance when trying to find lower insurance rates for a Civic. It can be challenging to find the best policy yourself, so agents can give you comfort knowing you have enough protection. To find a Chandler insurance agent closest to you, click the button link following the list.
- Foothills Insurance Agency
2490 S Gilbert Rd #105 – Chandler, AZ 85286 – (480) 759-1970 - Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050 - Farmers Insurance – Brett Thomas
4040 S Arizona Ave #14 – Chandler, AZ 85248 – (480) 666-7996 - Allstate Insurance: Jason Tuttle
985 W Chandler Heights Rd #3 – Chandler, AZ 85248 – (480) 477-7511