Cheap Insurance Quotes for a Honda Civic in Idaho

Buying cheaper insurance for a Honda Civic in Idaho depends on factors such as if you have purchased a home, if you are a frequent claim filer, and your driving record. Drivers in Idaho on average pay approximately $820 annually to insure a Civic, but that is a valuation rating a 50-year-old married male that wants full coverage and $100 physical damage deductibles.

More than likely, you are not a 50-year-old male, maybe you are single instead of married, or maybe you live in a different part of Idaho than the example. Just a very minor change in price quote data can create big changes in the coverage rate.

Not every driver requires the same auto insurance coverages, so the only way to find cheap insurance prices for your Honda is to do the rate comparisons yourself. It only takes a few minutes and you will be able to see rates from some of the best companies that offer coverage in Idaho.

Find Cheaper Honda Civic Insurance

The specific trim level will most likely have an effect on the insurance rate, so the price you pay to insure a Civic DX 4-Dr Sedan will be $282 less than the cost to insure the more well-appointed Civic SI 2-Dr Coupe trim level, as demonstrated by the prices below.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can decrease or increase prices significantly.

Finding good, affordable auto insurance is tough enough, and determining which company offers the cheapest auto insurance rates for a Honda Civic calls for additional perseverance. Each auto insurance company uses slightly different criteria to determine rates, so first we will examine the auto insurance companies that tend to be cheaper in Idaho.

We do need to point out that Idaho auto insurance rates are determined by lots of factors that can increase the price of your policy. This price variability is why Idaho drivers need to perform an extensive rate comparison when trying to find the lowest car insurance quotes for a Honda Civic. Car insurance prices are impacted by many risk factors and change substantially, so the cheapest company the last time you checked may now be quite expensive.

Cheap Insurance Rates for Your Honda

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American National may offer some of the cheapest car insurance rates in Idaho at around $240 annually. USAA, Farm Bureau of ID Group, Oregon Mutual, and American Family would also make the list of some of the cheaper Idaho auto insurance companies.

In the above rates, if you currently have coverage with Farm Bureau of ID Group and switched to American National, you may realize yearly savings of about $304. Insureds with Oregon Mutual could save as much as $438 a year, and American Family insureds might lower prices by $459 a year.

To find out how your current rates compare, click here to start your custom quote or visit any of the low-priced companies below.

Remember that these premiums are averages across all types of drivers and the different vehicles they drive and do not factor in a specific rate factor for a Honda Civic. So the car insurance company that is most affordable for your situation may not even be included in the company chart above. That illustrates why you need to compare prices as often as possible using your own specific driver and vehicle information.

The chart below highlights how deductible choice can increase or decrease insurance costs when trying to find cheap insurance for a Honda Civic. The price estimates are based on a single male driver, full coverage, and no discounts are applied.

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The chart above illustrates that a 40-year-old driver could lower their policy premium by $256 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $384 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could lower their rates $858 annually by choosing a higher deductible.

If you make the decision to raise deductibles, it is necessary to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Price comparison of only insuring for liability

Finding cheap insurance for a Honda Civic in Idaho should be important to the majority of drivers, and an effective way to pay less for insurance is to buy liability only. The diagram below illustrates the comparison of insurance costs with and without full coverage. The information is based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3465,1051],[‘Age 30’, 1727,579],[‘Age 40’, 1737,537],[‘Age 50’, 1581,503],[‘Age 60’, 1535,495],[‘Age 70’, 1883,659]]);var options = {title: ‘Savings of Only Insuring for Liability’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Civic in Idaho’,minValue: 0,format: ‘$###,###’},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);}

On average, full coverage on your policy costs $1,988 per year over and above liability coverage. Many people question if paying for full coverage is worth it. There is no set guideline for phasing out comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.