Cheap Insurance for a Honda Civic in Kentucky

Cheap Insurance for a Honda Civic in Kentucky

Your chances of buying cheaper coverage for a Honda Civic in Kentucky is dependent upon a calculation that uses factors like how old you are, your credit status, and citations on your driving record. Kentucky drivers on average pay around $1,160 a year to buy Honda Civic insurance, but that price is a ballpark figure that uses rate data for a 40-year-old married female driver who requires full physical damage coverage and $250 deductibles.

Chances are that you may not be 40 years old (or even female), possibly single instead of married, and maybe you want different deductibles. Even a minor difference in the rating criteria used to formulate rates may result in significant differences in rate quotes.

Auto insurance is not “one size fits all”, so the best way to find the cheapest coverage for your Honda is to make a habit of comparing rates at every renewal.

Find Cheaper Honda Civic Insurance

The specific trim level will likely have an effect on the annual cost of coverage, so the price you will pay to insure a Civic DX 4-Dr Sedan will be $396 lower than the insurance cost for the higher-end Civic SI 2-Dr Coupe trim level, as shown by the rates below.

Honda Civic Insurance Rates in Kentucky
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Civic DX 4-Dr Sedan $190 $416 $342 $20 $102 $1,070 $89
Civic VP 4-Dr Sedan $190 $490 $342 $20 $102 $1,144 $95
Civic LX 4-Dr Sedan $190 $490 $342 $20 $102 $1,144 $95
Civic DX 2-Dr Coupe $190 $490 $428 $26 $128 $1,262 $105
Civic EX 4-Dr Sedan $190 $490 $342 $20 $102 $1,144 $95
Civic LX-S 4-Dr Sedan $190 $490 $342 $20 $102 $1,144 $95
Civic LX 2-Dr Coupe $190 $566 $428 $26 $128 $1,338 $112
Civic EX-L 4-Dr Sedan $216 $566 $342 $20 $102 $1,246 $104
Civic SI 4-Dr Sedan $216 $566 $342 $20 $102 $1,246 $104
Civic EX 2-Dr Coupe $216 $566 $428 $26 $128 $1,364 $114
Civic GX 4-Dr Sedan $216 $566 $342 $20 $102 $1,246 $104
Civic EX-L 2-Dr Coupe $216 $566 $428 $26 $128 $1,364 $114
Civic Hybrid 4-Dr Sedan $244 $490 $342 $20 $102 $1,198 $100
Civic SI 2-Dr Coupe $244 $640 $428 $26 $128 $1,466 $122
Get Your Own Custom Quote Go

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific zip code location which can increase or decrease coverage prices noticeably.

Ratings for Kentucky car insurance companies

Insuring your vehicle with the right car insurance company can be difficult considering how many companies provide coverage in Kentucky. The rank data displayed below could help you select which car insurance providers you want to consider when comparing rates. The ratings below only include the largest auto insurers in America, so smaller companies are not included in this list.

Top 10 Large Auto Insurance Companies Overall in Kentucky

  1. Travelers
  2. USAA
  3. AAA Insurance
  4. Nationwide
  5. Allstate
  6. State Farm
  7. The Hartford
  8. Safeco Insurance
  9. Progressive
  10. American Family

Top 10 Large Auto Insurance Companies in Kentucky Ranked by A.M. Best Rating

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

Top Companies for Honda Civic Insurance in Kentucky

The information below illustrates how your choice of deductibles can change insurance costs when researching cheap insurance for a Honda Civic. The premiums assume a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

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In the chart above, a 40-year-old driver could save $332 a year by increasing from a $100 deductible to a $500 deductible, or save $498 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could drop their prices up to $1,130 or more just by using higher deductibles. If you do make the decision to raise your deductibles, it is essential to have emergency funds available to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Does full coverage make sense?

Finding cheap insurance for a Honda Civic in Kentucky is the goal of the majority of vehicle owners, and a great way to pay less for insurance is to not insure for full coverage. The illustration below shows the difference between premium costs when comparing full coverage to liability only. The premiums assume a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3283,1161],[‘Age 30’, 1677,639],[‘Age 40’, 1663,591],[‘Age 50’, 1517,553],[‘Age 60’, 1471,545],[‘Age 70’, 1819,727]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Kentucky’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged out for all age groups, physical damage insurance costs an extra $1,905 per year more than buying just liability insurance. That amount may make you wonder if it’s a good idea to buy full coverage. There is no exact formula for excluding comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

There are some cases where eliminating full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should maintain full coverage.