Best Cheap Insurance for a Honda Civic in Nevada

Buying cheap auto insurance for a Honda Civic in Nevada relies on a calculation that uses factors such as how old you are, your credit rating, and if you have any chargeable driving offenses. Nevada drivers on average pay around $1,150 per year to buy insurance for a Honda Civic, but that cost is an estimation based on a 50-year-old single male that has full physical damage coverage and $250 policy deductibles.

When projecting a rate like this, the problem is that you are not 50 years old and maybe not even male, possibly married instead of single, and you need different coverage limits than the sample rates. Making even small differences in price quote data could end up in a significant change in how much coverage for a Honda Civic costs.

This shows why your best chance at finding the most affordable coverage for your Honda is to just take the time to compare rates yourself. It takes less than five minutes and you will get price quotes from the best auto insurance companies around.

Cheapest Honda Civic Insurance Rates

The trim level of your Honda will most likely have an effect on the cost of insurance, so the cost to insure a Civic DX 4-Dr Sedan will be $394 cheaper than the insurance cost for the more expensive Civic SI 2-Dr Coupe model, as shown in the prices below.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in specific location information which can affect auto insurance rates greatly.

Nevada auto insurance companies ranked

Finding the highest-rated auto insurance provider is hard considering how many different companies sell coverage in Nevada. The company information below could help you pick which car insurance companies to look at purchasing from. The rankings below are only made up of companies with a nationwide focus, so companies with more of a regional focus are not included in the list.

Top 10 Large Car Insurance Companies in Nevada Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Nationwide – A+
8. Allstate – A+
9. Mercury Insurance – A+
10. Titan Insurance – A+

Top Companies for Honda Civic Insurance in Nevada

Rate comparison of full coverage and liability-only

Finding the best cheap insurance for a Honda Civic in Nevada is important to most vehicle owners, and an effective way to lower the cost of insurance is to not buy full coverage. The illustration below illustrates the comparison of insurance premiums with and without physical damage coverage. The data is based on no accidents, no driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.

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If averaged out across all ages, physical damage coverage on your policy costs $2,091 per year more than insuring for liability only. That touches on the question when is the right time to remove full coverage. There is no set guideline of when to stop paying for full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s settlement value is $9,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $8,500 after the policy deductible has been paid. If premiums are more than $850 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

Comparing rates on Civic insurance can save you money

Nevada auto insurance rates are impacted by many factors that may substantially change the price you pay. Turning one year older, moving across town, or getting a few speeding tickets may generate price changes that can cause some rates to be more affordable than others.

In addition to those changes, companies amend premium rates at least once a year to adjust for unexpected claims or profits. An extended period of higher than normal claims can result in higher prices, while profitable underwriting can result in cheaper Civic insurance rates.

To illustrate this example, the chart below shows the cheapest car insurance in Nevada for a 40-year-old male driver with no accidents or violations, and a good credit history. When comparing rates based on his current rating profile, Allied may offer the most affordable car insurance rates in Nevada at $911 each year. This is $663 less than the average premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and Progressive are the rest of the cheapest Nevada auto insurance companies.

google.charts.setOnLoadCallback(drawNVWitcqcibChart);function drawNVWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Allied’, 911, ‘#53860C’],[‘Travelers’, 912, ‘#456F0A’],[‘Capital’, 1008, ‘#395C08’],[‘Oregon Mutual’, 1147, ‘#2F4C06’],[‘Progressive’, 1190, ‘#273F05’]]);var options = {title: ‘Best Cheap Car Insurance for a Honda Civic’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1290,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The example below compares rates after we give the driver from above a claim or two, poor credit, and a couple of points charged on his driving record. Due to the fact that every insurance company uses their own method for determining prices, comparing prices could now result in a slightly different list of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawNVWcqcibChart);function drawNVWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1368, ‘#FF8500’],[‘GEICO’, 1395.9, ‘#D46E00’],[‘USAA’, 1412.4, ‘#B05B00’],[‘Safeco’, 1452, ‘#924B00’],[‘Nationwide’, 1453.1, ‘#793E00’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1553.1,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Travelers now has the cheapest price in Nevada with GEICO, USAA, Safeco, and Nationwide now being in the top five. This example proves why Nevada drivers need to compare many different companies to find the lowest car insurance quotes for a Honda Civic.

Insurance rates are impacted by many factors and change dramatically, so the most economical company when you last compared rates may now not even be in the top five.

Who has the cheapest Honda Civic insurance quotes?

There are quite a few ways to find lower-cost auto insurance in Nevada, but the most common are through an independent insurance agent, an exclusive insurance agent such as Liberty Mutual or Allstate, or direct from companies such as Progressive or Geico.

Each way is similar, but they differ slightly in how they give price quotes.

Independent agencies have contracts with many companies and can get rate quotes from all of them. They do not sell for just one brand and can quote rates with many companies, which can help you get improved odds of finding cheaper coverage. If a cheaper rate is found, your agent can switch companies and you stay with the same agent.

A captive, or exclusive, agent is able to place business with just one company, two examples are an Allstate or Liberty Mutual agent. These agents are not able to quote rates from more than one company, so it’s a good idea to shop around.

Consumers who buy auto insurance direct forego a local insurance agent and buy from a direct company like Esurance. Shopping direct may be a decent choice people who do not need advice for risk management and have an above average understanding of the limitations of auto insurance.

What is the best method for finding the best cheap insurance for a Honda Civic in Nevada? Most people assume that shopping direct saves the most money because you bypass the agent, but unfortunately, it’s not that cut and dried. We’d also like to say an independent agency guarantees the cheapest rates since they can quote with many companies, but that is not necessarily true either. For the right applicant, exclusive agents have very competitive rates that are well below what direct and independents offer.

Because there is so much variation in auto insurance prices, the one way to make sure you’re not overpaying for auto insurance is to get quotes and compare the rates. In a perfect world, youll get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of auto insurance companies with low rates, click here to view.

Find the best cheap insurance for a Honda Civic in Nevada

The list below details some money-saving suggestions that can help Nevada drivers get the cheapest auto insurance.

• Save money by staying claim-free
• Full coverage is expensive so only insure older vehicles for liability only
• Raise physical damage deductibles
• Vehicles with safetly features generally cost less to insure
• Clean up your credit rating
• Buying your home and auto policies from the same company can earn a discount
• Shop around for cheaper prices often

That last piece of advice is notably valuable, as was stressed in the prior article. Car insurance prices adjust often, so don’t be unwilling to buy a different policy if a more affordable rate is found.

Being loyal to a particular company is commendable, but we do not recommend it if that dedication is costing money that could be spent on other things. Now is a great time to shop around to find cheaper insurance for a Honda Civic.