Buying competitive car insurance for a Honda Civic in Ohio is dependent upon many factors such as driver age, whether or not you have filed claims in the past, and your policy deductibles. Drivers in Ohio will pay around $791 a year to insure their Civic, but that figure is an approximation based on a 50-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
If we were betting, you’re not a 50-year-old male, single instead of married, or maybe your Civic is old enough that it doesn’t require full coverage. Each driver’s needs are different, and that demonstrates why the only real way to find affordable rates for your Honda is to just take the time to compare rates yourself.
Your Honda’s trim level will be a contributing factor to the cost of coverage, so the price you will be charged to insure a Civic DX 4-Dr Sedan trim level will be $274 lower than the price to insure the more well-appointed Civic SI 2-Dr Coupe trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Civic DX 4-Dr Sedan||$132||$300||$218||$12||$66||$728||$61|
|Civic VP 4-Dr Sedan||$132||$354||$218||$12||$66||$782||$65|
|Civic LX 4-Dr Sedan||$132||$354||$218||$12||$66||$782||$65|
|Civic DX 2-Dr Coupe||$132||$354||$272||$16||$82||$856||$71|
|Civic EX 4-Dr Sedan||$132||$354||$218||$12||$66||$782||$65|
|Civic LX-S 4-Dr Sedan||$132||$354||$218||$12||$66||$782||$65|
|Civic LX 2-Dr Coupe||$132||$406||$272||$16||$82||$908||$76|
|Civic EX-L 4-Dr Sedan||$152||$406||$218||$12||$66||$854||$71|
|Civic SI 4-Dr Sedan||$152||$406||$218||$12||$66||$854||$71|
|Civic EX 2-Dr Coupe||$152||$406||$272||$16||$82||$928||$77|
|Civic GX 4-Dr Sedan||$152||$406||$218||$12||$66||$854||$71|
|Civic EX-L 2-Dr Coupe||$152||$406||$272||$16||$82||$928||$77|
|Civic Hybrid 4-Dr Sedan||$172||$354||$218||$12||$66||$822||$69|
|Civic SI 2-Dr Coupe||$172||$460||$272||$16||$82||$1,002||$84|
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in specific location information which can decrease or increase auto insurance rates greatly.
Buying coverage from a highly-rated auto insurance company can be rather challenging considering how many choices drivers have in Ohio. The company ratings below may help you pick which car insurance providers you want to consider shopping prices with. The rankings below are only made up of the largest auto insurers in America, so companies that may only write in Ohio will not be included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Careless drivers pay higher rates
The easiest way to earn the cheapest insurance prices in Ohio for a Civic is to pay attention while driving and avoid accidents and violations. The chart below shows how violations and at-fault claims can raise insurance prices for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,019. Get written up for two speeding tickets and the average cost swells to $1,438, an increase of $419 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a Honda Civic increases to an average of $1,878. That’s an increase of $859, or $72 per month, just for not maintaining a clean driving record!
Liability-only versus full coverage
Paying less for insurance is probably important to the majority of vehicle owners, and an effective way to buy cheaper insurance for a Honda Civic is to only pay for liability coverage. The example below shows the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The data is based on no claims or violations, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, full coverage on your policy costs $1,332 per year more than just buying liability only. Lot’s of drivers question if it’s worth it to buy full coverage. There is no exact rule for dropping comp and collision coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
Get discount Columbus insurance
Insurers that provide policies for a Honda Civic may also provide rate discounts that could potentially reduce rates by as much as 30% if you are eligible for them. Companies and some of their more popular discounts are outlined below.
- Farmers Insurance discounts include youthful driver, teen driver, switch companies, homeowner, and bundle discounts.
- State Farm has discounts for multiple autos, passive restraint, Drive Safe & Save, safe vehicle, driver’s education, student away at school, and multiple policy.
- Liberty Mutual may include discounts for newly married, teen driver discount, exclusive group savings, new move discount, new graduate, and new vehicle discount.
- MetLife offers discounts including good driver, good student, accident-free, claim-free, and multi-policy.
- Progressive includes discounts for continuous coverage, good student, multi-vehicle, online quote discount, multi-policy, homeowner, and online signing.
The information below compares auto insurance costs with and without discounts applied. The data assumes a female driver, no accidents or driving violations, Ohio state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with vehicle safety, defensive driving course, multiple vehicle, accident-free, safe-driver, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average savings per year on insurance for a Honda Civic is 28% or $463.