Cheap Honda Civic Insurance in Columbus

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Insurance quote for Honda Civic in ColumbusHow many times have you told yourself it's time to shop around for more affordable Honda Civic insurance in Columbus? Are you intimidated by the crazy number of auto insurance choices that you can choose from? You have so many options that it can turn into a difficult situation to find a more affordable company. Everyone knows that Columbus is a wonderful place to live, but high auto insurance prices makes it impossible to afford good insurance coverage.

Regrettably, most Ohio auto insurance customers have stayed with the same insurance company for over three years, and nearly 40% of drivers have never even shopped around for cheap coverage. Most drivers in the United States could save nearly $850 a year by just comparing quotes, but most undervalue the big savings they would realize if they moved their coverage to a different company.

Free Columbus Honda Civic insurance quotes

All the larger auto insurance companies like Allstate, GEICO and Progressive make it easy to get insurance quotes on the web. Getting online quotes for Honda Civic insurance in Columbus is fairly simple because it's just a matter of typing in your required coverages into a form. Upon sending the form, the company's rating system obtains your driving and credit reports and gives you a price quote based on these and other factors.

This simplifies rate comparisons, and it's very important to compare as many rates as possible in order to find a better rate.

To compare rates using this form now, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you replicate the insurance coverages identical to your current policy. This way, you will have an apples-to-apples comparison based on the exact same insurance coverage.

The providers in the list below are ready to provide free rate quotes in Ohio. If multiple companies are listed, we recommend you visit as many as you can to get the best price comparison.

Honda Civic insurance rate analysis

The coverage table displayed below showcases detailed analysis of coverage prices for Honda Civic models. Learning how auto insurance policy rates are formulated can be of help when making smart choices when purchasing an auto insurance policy.

Honda Civic Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $164 $398 $296 $18 $88 $964 $80
Civic VP 4-Dr Sedan $164 $470 $296 $18 $88 $1,036 $86
Civic LX 4-Dr Sedan $164 $470 $296 $18 $88 $1,036 $86
Civic DX 2-Dr Coupe $164 $470 $368 $22 $110 $1,134 $95
Civic EX 4-Dr Sedan $164 $470 $296 $18 $88 $1,036 $86
Civic LX-S 4-Dr Sedan $164 $470 $296 $18 $88 $1,036 $86
Civic LX 2-Dr Coupe $164 $540 $368 $22 $110 $1,204 $100
Civic EX-L 4-Dr Sedan $188 $540 $296 $18 $88 $1,130 $94
Civic SI 4-Dr Sedan $188 $540 $296 $18 $88 $1,130 $94
Civic EX 2-Dr Coupe $188 $540 $368 $22 $110 $1,228 $102
Civic GX 4-Dr Sedan $188 $540 $296 $18 $88 $1,130 $94
Civic EX-L 2-Dr Coupe $188 $540 $368 $22 $110 $1,228 $102
Civic Hybrid 4-Dr Sedan $212 $470 $296 $18 $88 $1,084 $90
Civic SI 2-Dr Coupe $212 $612 $368 $22 $110 $1,324 $110
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in specific Columbus garaging location which can decrease or increase premium rates substantially.

Higher deductibles save money

One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The tables below illustrate the differences in premium rates when you buy lower versus higher policy deductibles. The first rate table uses a $250 deductible and the second rate table uses a $1,000 deductible.

Honda Civic insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $152 $296 $226 $14 $68 $781 $65
Civic VP 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic LX 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic DX 2-Dr Coupe $152 $348 $284 $16 $84 $909 $76
Civic EX 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic LX-S 4-Dr Sedan $152 $348 $226 $14 $68 $833 $69
Civic LX 2-Dr Coupe $152 $400 $284 $16 $84 $961 $80
Civic EX-L 4-Dr Sedan $176 $400 $226 $14 $68 $909 $76
Civic SI 4-Dr Sedan $176 $400 $226 $14 $68 $909 $76
Civic EX 2-Dr Coupe $176 $400 $284 $16 $84 $985 $82
Civic GX 4-Dr Sedan $176 $400 $226 $14 $68 $909 $76
Civic EX-L 2-Dr Coupe $176 $400 $284 $16 $84 $985 $82
Civic Hybrid 4-Dr Sedan $198 $348 $226 $14 $68 $879 $73
Civic SI 2-Dr Coupe $198 $454 $284 $16 $84 $1,061 $88
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Honda Civic insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $94 $186 $226 $14 $68 $588 $49
Civic VP 4-Dr Sedan $94 $220 $226 $14 $68 $622 $52
Civic LX 4-Dr Sedan $94 $220 $226 $14 $68 $622 $52
Civic DX 2-Dr Coupe $94 $220 $284 $16 $84 $698 $58
Civic EX 4-Dr Sedan $94 $220 $226 $14 $68 $622 $52
Civic LX-S 4-Dr Sedan $94 $220 $226 $14 $68 $622 $52
Civic LX 2-Dr Coupe $94 $252 $284 $16 $84 $730 $61
Civic EX-L 4-Dr Sedan $108 $252 $226 $14 $68 $668 $56
Civic SI 4-Dr Sedan $108 $252 $226 $14 $68 $668 $56
Civic EX 2-Dr Coupe $108 $252 $284 $16 $84 $744 $62
Civic GX 4-Dr Sedan $108 $252 $226 $14 $68 $668 $56
Civic EX-L 2-Dr Coupe $108 $252 $284 $16 $84 $744 $62
Civic Hybrid 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Civic SI 2-Dr Coupe $122 $286 $284 $16 $84 $792 $66
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in Columbus location which can impact insurance rates substantially.

Based on these figures, using a $250 deductible will cost in the ballpark of $19 more each month or $228 annually averaged for all Civic models than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 39 months between claims, you would more than likely save some money if you choose a higher deductible. Below is an example of how you can perform this determination yourself.

Average monthly premium for $250 deductibles: $75
Average monthly premium for $1,000 deductibles (subtract): - $56
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

One thing to note is that higher deductibles means you pay more out-of-pocket if you have a claim. You should have some savings in the event you need to pay the higher deductible.

Rate comparison of males versus females in Columbus

The illustration below compares Honda Civic auto insurance costs for male and female drivers. Data assumes no claims or violations, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are applied.

Slash your car insurance rates with discounts

Auto insurance companies don't always publicize every available discount very well, so the list below details both the well known and also the lesser-known discounts you could be receiving when you buy Columbus car insurance online. If they aren't giving you every credit you deserve, you are just wasting money.Discount car insurance

  • Data Collection Discounts - Insureds that choose to allow driving data collection to scrutinize driving patterns by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as they are good drivers.
  • Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. Most companies allow this discount up to age 25.
  • Government Employee Discount - Having worked for a branch of the government can earn a discount up to 10% but check with your company.
  • Defensive Driver Discounts - Passing a course teaching defensive driving skills may get you a small discount and easily pay for the cost of the class.
  • Full Payment Discount - If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Save over 55 - If you're over the age of 55, you may be able to get a small discount on rates.
  • Passive Restraints and Air Bags - Factory options such as air bags or motorized seat belts can qualify for discounts as much as 30%.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think adding up those discounts means a free policy, it's just not the way it works.

The example below illustrates the comparison of Honda Civic annual premium costs with and without discounts applied to the rates. The information is based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, safe-driver, homeowner, and claim-free discounts applied.

A few companies that may offer policyholders most of these discounts possibly include:

Before buying, ask every prospective company to apply every possible discount. All car insurance discounts might not be offered on policies in Columbus.

Car insurance does more than just protect your car

Even though it can be expensive, maintaining insurance may not be optional for several reasons.

  • The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your Honda Civic with a loan, it's most likely the lender will make it mandatory that you have full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your Honda for a much higher rate and require you to reimburse them a much higher amount than you were paying before.
  • Insurance protects both your Honda and your personal assets. It will also reimburse you for medical bills for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of carrying adequate insurance greatly outweigh the cost, especially if you ever need it. As of last year, the average driver in Ohio overpays as much as $865 each year so compare rate quotes every year to be sure current rates are still competitive.

Local agents and auto insurance

Many people still prefer to talk to a local agent and that can be a great decision One of the best bonuses of comparing auto insurance online is the fact that you can find cheap auto insurance quotes but also keep your business local. Buying insurance from local agencies is still important in Columbus.

Insurance agency in ColumbusBy using this quick form, the coverage information is emailed to insurance agents in Columbus that can give you free Columbus car insurance quotes for your business. You don't have to leave your computer because prices are sent to your email. You can find better rates and work with a local agent. If you wish to compare rates from a specific company, don't hesitate to jump over to their website and fill out the quote form the provide.

Pick the best car insurance agent in Columbus for you

If you need to find a local Columbus insurance agent, it can be helpful to understand the different agency structures that you can select. Agents in Columbus can be described as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agencies

Independent agencies do not work for one specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. If they quote lower rates, they simply switch companies in-house and you don't have to do anything.

If you are trying to find cheaper rates, you will definitely want to include price quotes from a couple of independent agencies in order to have the best price comparison. A lot of them also have access to additional companies that you may not be familiar with that many times have cheaper rates.

Below are Columbus independent agents that can give you price quotes.

View more Columbus agents

Exclusive Auto Insurance Agents

Agents that choose to be exclusive can only provide one company's prices and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents receive extensive training on their company's products and that allows them to sell at a higher price point. Consumers frequently buy from the same agent for years primarily because of the brand legacy rather than low rates.

Listed below is a list of exclusive agencies in Columbus that are able to give comparison quotes.

View more Columbus agents

Finding a good insurance agent should include more criteria than just a cheap price quote. Before buying a policy in Columbus, get answers to these questions.

  • Are claim adjusters local or do you have to take your car somewhere else?
  • Did they already check your driving record and credit reports?
  • What company holds the largest book of business for them?
  • Can glass repairs be made at your home?
  • Who is covered by the car insurance policy?
  • When do they do a full risk review?
  • Is their price quote a firm figure or are their hidden costs?
  • How many years have they been established?